Swad Wealth Management

You’ve probably seen the headlines: “Retire Early. Live Off Dividends Forever.”

But is that actually realistic? I recently shared my thoughts with U.S. News & World Report on the risks and realities of this strategy.

👉 Yes, living off dividends can work — if you have a large enough portfolio and a modest lifestyle.
👉 But chasing high dividend yields? That can backfire — with potentially lower returns, more volatility, and concentrated risk.
👉 And dividends are never guaranteed… they can be cut in a downturn.

I often see retirees who want more flexibility — to travel, support family, and enjoy life — which means building a plan that’s sustainable, not restrictive.

If you're thinking about how to generate reliable income in retirement, this article is worth a read 👇
🔗 https://buff.ly/iHeefEE

Vercel Security Checkpoint

If you got to play policymaker for the day, how would YOU fix the broken Social Security system?

So as a financial advisor who works with people in or near retirement, I’m constantly having conversations about Social Security and one of the biggest concerns I hear is:

"What happens if it runs out of money?"

I found this really cool tool from the Committee for a Responsible Federal Budget (CRFB) that lets you play the policymaker. You can try different strategies like raising the retirement age, adjusting taxes, or changing benefits, and see how each move impacts the long-term shortfall.

What’s surprising is… we’re not actually that far away from fixing it, despite what the headlines make it sound like.

I made this 3-minute video going over it: https://buff.ly/TS9xwAi

You can check out the tool yourself here: https://buff.ly/2thhk2f

Let me know in the comments: How would you fix Social Security if it were up to you?

What would your 90-year-old self tell you today?

Maybe it's:
“Take the trip.”
“Spend more time with family.”
“Stop waiting.”

Most people don’t regret the things they did.
They regret the time they didn’t spend, the dreams they didn’t chase, and the chances they were too afraid to take.

If you've saved all your life and have built up a nice nest egg, this might be your perfect window to do the things you’ve always said you’d do “someday.”

But remember—health and energy don’t wait.

❓ Imagine you're 90, looking back on your life...

What would you tell yourself right now?

That whisper from your future self might be worth listening to.

It’s the #1 retirement fear: “What if I run out of money?”
And it’s a valid concern—especially without the right planning.

I was recently quoted in a GOBankingRates article on two key strategies that research shows can help reduce that risk:

✅ Contribute consistently to a retirement account for 20+ years
✅ Delay retirement to age 70 to maximize Social Security and growth (in many cases but not all)

But there’s more to it than that…

I share why these strategies only work if they’re done right — from how much you save, to how you invest, to how you plan for rising healthcare costs and inflation.

Read the full article here: https://buff.ly/ilYR7wA

And if you’re not sure if you’re on track, send me a message — I’m here to help.

2 Ways to Avoid Running Out of Money in Retirement Most Americans fear running out of money, but it can be avoided.