I am a CERTIFIED FINANCIAL PLANNER™, managing partner, and chief investment strategist at Capital Investment Advisors, an Atlanta-based RIA with $5 Billion in assets under management (as of 12/31/23). Additionally, I am the host of the nationally-recognized podcast Retire Sooner and the longtime host of Money Matters, a weekly call-in financial show on 95.5 WSB — Atlanta’s News and Talk. I am the author of four books, including best-sellers You Can Retire Sooner Than You Think and What the Happiest Retirees Know. Barron’s has named me as one of America’s Top 1,200 Financial Advisors every year since 2014, and I’ve been on the Barron’s Top 100 Independent Advisors list yearly since 2016. My mission is to help people retire sooner and happier than they ever thought possible by offering objective, plain-speaking advice.
When Is It Too Late To Start Saving For Retirement?
Is it ever too late to save for retirement? A closer look at the $1,000 savings statistic, 401(k) catch-up rules, and strategies for starting after 50.
8 Planning Strategies That Can Help Address Retirement Money Fears
Learn eight practical strategies to reduce fear of running out of money in retirement, including spending rules, income planning, taxes, and home equity.
How The Average Investor’s Returns Compare To The Market
Investor behavior often shapes results more than markets themselves. DALBAR data reveal how emotion, volatility, and timing decisions create the long-term return gap.
The Winning Elements In A Better 401(k)
Why starting early and saving consistently often matters more than chasing higher returns in a 401(k), illustrated through two savers with very different outcomes.
What Happy Retirees Understand About Spending Their Money
Many retirees save successfully but struggle to spend. Explore the psychology behind retirement spending, wealth perception, and why using savings can feel uncomfortable.
The Life Catalysts That Most Influence When—And How—You Retire
Major life events—from health changes to family shifts—can shape retirement timing, income planning, and lifestyle decisions. See which catalysts matter most.
A Hidden 401(k) Rule That Could Cut Your Taxes Big-Time
Understand the NUA rule for 401(k) employer stock, including cost basis, capital gains treatment, and when this tax strategy may be useful in retirement planning.
The Smart Loophole For Early Retirement: How Rule 72(t) Unlocks IRAs
Learn how the Rule of 72(t) lets investors access retirement funds early without the 10% penalty, using SEPPs from IRAs or 401(k)s
The Rich Ratio: The One Number That Redefines True Wealth
Your Rich Ratio reveals how financially free you may be. Learn how to measure wealth, balance income and needs, and see if you’re richer than you think.
How Your Target-Date Fund Could Be Missing The Mark
Explore target-date funds and their glide paths. Learn when you might need to step in to keep your retirement portfolio on track.