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Roy Y. Gagaza
September 17, 2026

Why Financial Planning Seminars Matter for Pre-Retirees

Retirement can feel exciting, but it also brings important financial decisions. People approaching retirement must think about income, savings, taxes, health care, Social Security, investments, and everyday expenses. Because these areas often connect, making decisions without a clear plan can create unnecessary uncertainty. Financial planning seminars for pre-retirees can help people understand these topics before […]

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Roy Y. Gagaza
September 25, 2025

Navigating the Social Security Earnings Test: What Retirees Need to Know

The Social Security Earnings Test is a rule that determines how much of your Social Security benefits may be withheld if you continue working while collecting benefits before reaching full retirement age (FRA). Simply put, it places a limit on how much you can earn before your benefits are temporarily reduced. This test is often […]

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