FSW Advisors

If you live to 95, will your money?

If you're too aggressive, will you come up short? Too conservative, and you leave quality of life on the table.

Also, will the life you are living at 70 change as you age? Have you considered how changing withdrawal rates can affect everything from estate management strategies to retirement strategies?




Disclosure: The portfolio is composed of 50 percent stocks, 40 percent bonds, and 10 percent Treasury bills. It is assumed that a person withdraws a hypothetical percentage each year. Historical returns based on the period January 1, 2001, to December 31, 2025. Stocks are represented by the Standard & Poor's 500, which is an unmanaged group of securities & considered to be representative of the US stock market. Bonds are represented by the five-year U.S. government bond and Treasury bills by the 30-day U.S. Treasury bill. An investment cannot be made directly in an index. Past performance is no guarantee of future results.

Moving to music can be more than just fun—it can also support physical, mental, and social well-being as people age.

Health professionals say dancing may help improve balance, strength, mobility, flexibility, and brain health. Because it combines movement, memory, rhythm, and coordination, it can engage both the body and mind.

Dancing can also create meaningful social connections, whether through line dancing, ballroom, salsa, tap, Zumba, or community groups.

For many older adults, that combination of movement and connection can make staying active feel more joyful and sustainable.

The best part? You do not need to be an expert to benefit. Starting with simple steps, a beginner-friendly class, or a favorite song at home can still be a meaningful way to get moving.


Source:

You should be dancing, yeah. Moving to music offers all kinds of benefits as you age Medical professionals say that moving to music is a great way for older adults to stay healthier as they age. It doesn't matter what kind of dancing.

Thank you to all that have paid the ultimate sacrifice so that I can have the freedom that I enjoy each and every day that I live in this great country!

Extended care is one of the biggest wild cards in retirement.

Costs vary by location, care type, and health needs—but they've all been rising faster than many realize.

These five insights can help you understand what drives costs and why they often catch retirees by surprise.



Sources:
CareScout, Cost of Care Report, July–December 2024
AALTCI, Long-Term Care Insurance Statistics & Data 2025
EBRI/Greenwald, 2025 Retirement Confidence Survey, April 2025

Here are 5 facts about Social Security you absolutely need to know.

Social Security: Five Facts You Need to Know Here are five facts about Social Security that are important to keep in mind.