Big Medicare Advantage plan changes are coming in 2027. That nondescript envelope from your insurance company could contain information you cannot afford to ignore. By Sean Sparkman If you are a Medicare Advantage enrollee who tends to sort your daily mail over the trash can, you should pay close attention to this [...]
by Sean Sparkman Pathfinders Wealth If you are like most people, you are probably hoping your children will say nice things about you after you're gone. You imagine them gathered around the table, raising a glass and toasting your wisdom, generosity and remarkable financial foresight. Maybe they'll even name a grandkid after you or start [...]
Video: 7 Powerful Trends that are reshaping retirement planning forever. To get the full white paper, contact: “Sean R. Sparkman, AIF® | Pathfinders Wealth.” (248) 487-9148 Mon - Fri 9 AM - 6 PM EST sean@pathfinderswealth.com
by Sean R. Sparkman, AIF® | Pathfinders Wealth If you’re like most people, you’ve been told that if you accumulated enough savings, you could withdraw 4% of your portfolio each year and reasonably expect your money to last throughout retirement. This concept is known as the “4% rule” and it is one of [...]
By Sean R. Sparkman, AIF® | Pathfinders Wealth Since it first hit the financial scene, cryptocurrency has generated strong opinions and more than its share of skepticism. There is one group of investors who view Bitcoin and other digital currencies as the future of money. Others see cryptocurrencies as little more than a speculative gamble [...]
By Sean R. Sparkman, AIF® | Pathfinders Wealth Until recently, inflation was something many Americans rarely thought much about. For the most part, prices tended to move gradually. Fuel costs were relatively manageable, and retirees had more predictable costs around which they could build their financial plans. Then, the world experienced an epic inflation shock [...]
By Sean R. Sparkman, AIF® | Pathfinders Wealth Retirement planning has traditionally focused on a familiar set of concerns, including market volatility, inflation, healthcare costs, taxes, and the possibility of outliving your savings. While these risks still matter, another, less-familiar issue is rising to the top of the list for retirees and pre-retirees [...]
By Sean R. Sparkman, AIF® | Pathfinders Wealth At their core, dividends are distributions of company profits paid to shareholders. These stocks can create a steady income stream, typically paid quarterly, and they can be a valuable part of retirement income. Still, retirees considering dividend stocks, need to understand that dividends are a [...]
by Sean R. Sparkman, AIF® | Pathfinders Wealth For decades, most retirement planning was built on the simple idea of accumulating as much as possible and then leaving the market to do the rest. But in 2026, things have changed in profound, often confusing ways. Many of my clients aren’t just asking, “How much can [...]
by Sean Sparkman You’ve probably heard it before: “Just buy the market and you’ll be diversified.” Sounds simple. Sounds safe. But, there’s a problem. That statement isn’t as true today as it used to be. Right now, a small group of companies that some financial pundits call “The Magnificent Seven” is doing most of the [...]
*This article and video are provided for educational and informational purposes only and should not be interpreted as a recommendation, solicitation, or endorsement of any particular investment strategy, security, or financial product. The material presented is not intended to provide investment, legal, or tax advice. Individual financial circumstances vary, and readers should consult with a [...]
by Sean Sparkman Pathfinders Wealth Retired and soon-to-retire investors may feel somewhat unsettled by current global instability, especially as the United States has entered a new conflict with Iran. News of conflict, rising tensions, or trade disturbances can prompt concerns about hard-earned savings. After decades of planning, the prospect of global turmoil threatening financial security [...]
