Financial Education Resources

The money can be in perfect shape while retirement still feels off. What the research says about the transition, and what the happiest retirees do differently.

529 or UTMA for a grandchild? How grandparents can fund education and more, plus the financial aid rule change and gift tax limits families often miss.

When should you claim Social Security? Why break-even math falls short, how couples' choices affect survivor benefits, and what the trust fund shortfall really means.

Happy Birthday Spencer Financial Planning! As of June 2026, we are now six years old, huzzah! Let’s look at where we are, where we’ve been, and what’s cookin’ for the future!

High-net-worth retirees in Kentucky can optimize retirement income taxes by leveraging the Kentucky retirement income exclusion, Social Security tax exemption, and favorable inheritance tax rules. Explore strategies for withdrawal sequencing, Roth conversions, tax-efficient investing, and estate planning to minimize state and federal taxes and improve long-term financial outcomes.