Author: Mau Sanchez, Chief Investment Officer

Illustration: A Health Savings Account can be part of a broader retirement healthcare and income plan. Retirement planning often focuses on investment accounts, Social Security, and monthly income. But one account that may deserve more attention before you leave work is your Health Savings Account, or HSA. An HSA is more than a way to…

An editorial illustration showing how long-term care planning can connect healthcare needs, household decisions, and retirement portfolio flexibility. A long-term care event can affect more than healthcare. It can change where you live, who provides support, how quickly you draw from investments, and how much flexibility remains in your retirement plan. Yet many households postpone…

Editorial illustration showing the early-retirement period as a five-stage planning path. Created for Portafolio Capital Management. Retirement is often described as a finish line. Financially, it is better understood as the beginning of a new phase that requires different decisions. During your working years, market declines may be uncomfortable, but regular income and ongoing contributions…

An editorial illustration showing how work income, portfolio withdrawals, and retirement goals can connect during a gradual transition. Retirement does not always begin with a final paycheck and a complete stop to work. For many people, the transition is gradual. They reduce their hours, accept consulting projects, start a part-time role, or continue working in…

Image description: A clean financial illustration shows the first year of retirement as a connected timeline, with icons representing employment income, investments, Social Security, healthcare, and household expenses. Retirement rarely begins with a single clean financial switch. Your salary may stop before Social Security begins. Healthcare premiums may change when employer coverage ends. Portfolio withdrawals…

You’ve spent decades building your nest egg. You’ve put in the long hours, made the sacrifices, and finally reached the point where you can see the finish line: or perhaps you’re already enjoying the view. But here is a question that doesn’t get asked enough: Who is actually sitting on your side of the table?…

You’ve spent decades building your nest egg. You’ve worked the long hours, managed the stress of career growth or business ownership, and carefully saved for the future. But as retirement gets closer, there’s another risk many people underestimate: future tax hikes. The so-called “2026 tax cliff” refers to the scheduled sunset of key provisions from…

For decades, the financial industry has sold a single, alluring narrative: Accumulation is everything. We are told to focus on the "number": the total size of the nest egg: and to keep pushing for growth until the very day we clock out for the last time. But as many professionals and business owners discover when…

For decades, the standard advice from Wall Street has been a simple, comfortable mantra: "Stay the course." The idea is that if you simply hold onto a diversified portfolio of stocks and bonds, the market will eventually bail you out of any downturn. It’s a strategy built on the back of the longest bull market…

For decades, many people build their financial lives around one simple idea: save more, spend less, and keep growing the nest egg. That mindset can be incredibly effective during working years. It helps create discipline, encourages long-term investing, and keeps lifestyle inflation in check. But retirement introduces a very different challenge. Once the paycheck stops,…