Bucking the Trend: Retiring Earlier Rather Than Later
The median retirement age right now in the US is about 62 years old. This number has been growing since the early 90’s. In 1991, it was 57 and in 2022, the median retirement age was 59. The decision to retire is a very personal one and different for everyone. The motivation is usually prompted by the obvious reason- financial readiness- but health, career flexibility and personal lifestyle attitudes can also play a big role in the decision. Yet, while no longer the norm, retiring early is still a goal for some seeking earlier financial […]
Concentrated Stock Decision Guide
If you partake in sports gambling, you can attest that it comes with a rollercoaster of emotions. When you win a wager, you feel like you are the smartest person in the room. The excitement of winning is met with regret for not placing a larger bet. On the other hand, when you lose, you […]
Why Waiting Pays: Maximizing Spousal Social Security Benefits
When it comes to Social Security, timing isn’t just everything; it’s money in your pocket. For many couples, especially those with a spouse who has earned significantly less over their career, spousal benefits can be a powerful tool to boost retirement income. However, claiming too early can shrink their benefits for life. Understanding why a […]
One Big Beautiful Bill
One Big Beautiful Bill: A Game-Changer for U.S. Taxes On July 4, 2025, President Trump signed into law a landmark piece of legislation known as the One Big Beautiful Bill Act (“Act”). The provisions of the Act represent the most comprehensive tax law changes since the 2017 Tax Cuts and Jobs Act (“TCJA”). In many […]
The Rollercoaster Ride as a First-Time Homebuyer
There’s nothing quite like the experience of buying your first home. It’s exciting, overwhelming, empowering, and completely nerve-wracking. Whether you’re just starting to browse listings or you’ve already scheduled showings, the emotional highs and lows are real. But beneath those feelings lies a big financial decision that requires preparation, patience, and perspective. Here’s a look […]
The Juggle – Prioritizing Your Financial Goals
Today’s 30 and 40 something couples have many balls that they are juggling in their daily lives – work, taking kids to school and their extracurricular activities, planning family vacations, and having a few minutes to spend together, etc. The list can be overwhelming. The same can be said about family finances. Should we save […]
What Is the CFA Charter – and Why it Matters for Your Investments
At THOR Wealth Management, you may have noticed that several members of our team have “CFA” after their names. It’s not just alphabet soup — those three letters represent a commitment to deep expertise, high ethical standards, and long-term discipline in investment management. But what exactly is the CFA charter, and why should it matter […]
Should I Hire a Robot or a Human?
I was recently sitting in the airport catching up on emails and received a response from a woman who was applying for a position at our company. I had reached out requesting that she share her availability for an introductory call. Her response began with the following: “Here’s a polished and professional version of your reply:” […]
Why You Should Hire a Firm with a CFP® Professional
When it comes to your health, most people understand the value of having a primary care doctor. This is someone who keeps tabs on your wellness, helps you stay on track, and is available when something goes wrong. But when it comes to your financial life, many people don’t think the same way. They often […]
A Teacher’s Guide to Retirement Savings
As an educator, you’re dedicated to shaping the future for others, but what about your own? Planning for your financial future is just as important as the lessons you teach. Whether you’re in a public or private school, there are powerful savings strategies tailored to your path. The key is knowing which options are typically […]