The Week in Charts (9/12/25)
Big themes for this week include the return of "easy money," the Fed rate cut widely expected next week and a cooling labor market.| Creative Planning
The Fed has cut interest rates 20 times when the market was near all-time highs. On FOX Business, Peter Mallouk explains what happened in all 20 instances and what it may mean for investors today. The post Peter Mallouk on Fox Business appeared first on Creative Planning.| Creative Planning
A common misconception is that older adults are unwilling to adapt to the latest technologies. In reality, many retirees are using new tech to simplify their lives, support their health and remain connected with loved ones. Below, we highlight 10 tech tools, devices and apps to support your lifestyle in retirement. Tablets Seniors are increasingly ... Read more The post 10 Tech Tools to Support Your Retirement Lifestyle appeared first on Creative Planning.| Creative Planning
Big themes for this week include the Fed’s recent 25 bps rate cut, if rate cuts or rate hikes are more bullish and whether the small cap breakout is finally here. The post The Week in Charts (9/19/25) appeared first on Creative Planning.| Creative Planning
Key Takeaways There are many important financial decisions to make as you plan for retirement. One of those decisions is determining the optimal timing to begin taking Social Security benefits. While you can start taking Social Security as early as age 62, there may be some advantages to waiting until you’re older. Key Factors in ... Read more The post Timing Social Security: How to Get It Right appeared first on Creative Planning.| Creative Planning
Beginning in 2026, the One Big Beautiful Bill Act (OBBBA) makes several changes that impact charitable giving, particularly for corporate donors and individuals who itemize. The three main areas that will change are as follows. Universal Charitable Deduction of $1,000 Per Individual Who Doesn’t Itemize Beginning in 2026, individuals who don’t itemize can claim a ... Read more The post Charitable Donation Changes in 2026 appeared first on Creative Planning.| Creative Planning
OVERLAND PARK, Kan., September 15, 2025 – Creative Planning, LLC (“Creative Planning”), one of the nation’s largest registered investment advisors (RIAs), proudly announces that 11 of its wealth managers have been recognized on the 2025 Barron’s Top 100 Independent Advisors list. The Creative Planning advisors recognized this year are: “Having more than 10% representation on ... Read more The post 11 Creative Planning Advisors Named to Barron’s 2025 Top 100 Independent Advisors ...| Creative Planning
Key Takeaways 6 Tips to Help Preserve and Grow the Value of Your Investments Inflation has been in the news a lot lately. The high inflation rates of the last several years have significantly eroded Americans’ purchasing power on a variety of goods and services. While inflation puts a strain on short-term spending and saving, it can ... Read more The post Portfolio Strategies to Evaluate When Addressing Inflation Risk appeared first on Creative Planning.| Creative Planning
Big themes for this week include the return of "easy money," the Fed rate cut widely expected next week and a cooling labor market.| Creative Planning
As children transition to adulthood, it’s crucial for parents to consider various financial and estate planning actions to help them navigate this new phase of life.| Creative Planning
Wondering whether you need a trust or a will — or both? Learn the key differences, and discover which estate planning strategy fits your goals and situation.| Creative Planning
Transferring wealth across generations is a significant aspect of family legacy planning. Get comprehensive tips to facilitate family discussions about wealth transfer.| Creative Planning
What is the Approximate Amount of Your Investable Assets?| Creative Planning
Creative Planning provides private wealth management, financial planning, investment management, estate planning, retirement planning, tax planning, and more.| Creative Planning
How to Identify the Policy to Protect Your Family Life insurance is an important component of any comprehensive wealth plan because it provides financial protection for your loved ones should you die unexpectedly. It’s one of those things no one likes to think about, but it’s critical that you have the appropriate policy in place ... Read more| Creative Planning
Few schools teach personal financial management. How can you ensure the children in your life are prepared for financial success? These six tips can help.| Creative Planning
While saving for a child’s or grandchild’s college education may seem like an overwhelming task, taking small steps to put aside funds today can add up to big gains over time. The following tips can help you decide how to invest in a 529 plan.| Creative Planning
Our financial advisors and wealth managers can help you secure your retirement plan, customized to fit your goals.| Creative Planning
Leaving your career sooner than expected can significantly impact your retirement plan. These seven tips can help you navigate an early retirement.| Creative Planning
With each phase of retirement comes different priorities and financial requirements. Understanding these stages can help you live a more fulfilling life.| Creative Planning
Are you nearing retirement and considering an annuity? Learn the pros and cons and get annuity alternatives to help you get the most out of your retirement.| Creative Planning
If you're close to retiring then make sure you're on track with your financial goals with these four tips for planning income in retirement.| Creative Planning
An individual's buying power can quickly be eroded during periods of high inflation. The following tips can help position your portfolio to perform.| Creative Planning
With proper planning and some strategy, you can create your own retirement income using various sources of retirement income. These tips can help you get started.| Creative Planning
Learn about the One Big Beautiful Bill Act and how it may impact your financial plan.| Creative Planning
Explore potential tax deductions and credits that could potentially reduce your liability. Learn what most tax filers often overlook.| Creative Planning
What is the Approximate Amount of Your Investable Assets?| Creative Planning
Key Takeaways If you’re taking steps to save for retirement, you may be interested to know how your efforts stack up to others in your age group. It’s natural to wonder how you compare to others, especially as you make decisions about how to save and spend your income. Key Retirement Savings Statistics for 2025 ... Read more The post Average Retirement Savings by Age — How Do You Stack Up? appeared first on Creative Planning.| Creative Planning
On March 25, 2025, President Trump issued Executive Order 14247, which mandates a significant shift in how federal payments, including tax refunds and payments to the IRS, are processed. Effective September 30, 2025, nearly all transactions with the federal government, including the IRS, must be conducted electronically, phasing out paper checks. The order requires that ... Read more The post IRS Payment and Refund Changes Coming by September 30, 2025 appeared first on Creative Planning.| Creative Planning
IRS Notice 2025-42 updates “beginning of construction” rules for wind and solar projects under clean energy tax credits. Learn key deadlines and requirements.| Creative Planning
Creative Planning is a wealth management firm that offers comprehensive and personalized financial planning, investment management, and retirement planning.| Creative Planning
Social media “finfluencers” lack fiduciary standards. Discover why their advice is risky and how trusted fiduciary advisors help protect your wealth.| Creative Planning
Big themes for this week include the short- and long-term implications of printing money, the AI revolution and possible tariff rebates.| Creative Planning
An Efficient Charitable Giving Strategy Charitable giving is an important part of our American culture. According to Giving USA, Americans donated $484.85 billion to U.S. Charities in 2021.1 In recently years, donor-advised funds (DAFs) have gained popularity as a vehicle for giving. In fact, total grants from DAFs to charitable organizations increased from $8.52B in ... Read more| Creative Planning
Six Strategies to Help Maximize Growth With the rising cost of education, saving for college can be a daunting task. If your children are young, you may wonder how to plan for something so far in the future with so many unknown factors. If your children are older, you may be worried about how to ... Read more| Creative Planning
I don’t know if it’s just me, but it feels like gift giving is more complicated than it should be. Trying to think of a creative, personal gift at least twice a year really stretches the brain. Plus, this year we apparently aren’t going to be able to rely on our accustomed two-day shipping because ... Read more| Creative Planning
The One Big Beautiful Bill Act (OBBBA) makes the qualified opportunity zone program permanent with certain modifications and enhancements. Read our article to learn more.| Creative Planning
Tips for Prioritizing Your Spending If you, like me, take time to meditate, you may agree that it is a tedious journey. However, if you can string together enough days of mindfulness, the effects are real. Every day, I make an effort to start with the meditation mantra, “clear away and bring forward.” This mantra ... Read more| Creative Planning
Using Your Savings to Make a Lasting Impact I work with many couples who are in their golden years and living securely in retirement. After successful careers and a lifetime of smart financial decisions, they now have a significant nest egg and they need to consider what will happen to their wealth in their later ... Read more| Creative Planning
Retirement can be stressful as you transition from saving to spending. Fortunately, these tips can help your marriage thrive in retirement.| Creative Planning
In today’s inflationary environment, the cost of everything from gas to groceries to cars is rising, and the cost of healthcare is no exception. Healthcare is one of the biggest expenses most people face in retirement.| Creative Planning
Learn why planning for retirement is different for the child-free.| Creative Planning
Protect your legacy with estate planning and trusts designed for your family’s future. Our estate and trust services are designed to support efficient tax planning and long-term wealth strategies.| Creative Planning
What is the Approximate Amount of Your Investable Assets?| Creative Planning
Are you a new parent? Put your free time (if you can call it that) on maternity or paternity leave to good use by completing the important action items detailed here.| Creative Planning
We provide a range of financial services and solutions for businesses, including retirement plans and exit strategies.| Creative Planning
Request a Meeting For more information on how we safeguard your personal information, please refer to our privacy policy.| Creative Planning
Learn how a dynasty trust can help support multigenerational wealth preservation.| Creative Planning
We customize intelligent investment portfolios for all of our clients. We believe your portfolio should be tied to your unique financial goals.| Creative Planning
How do donor advised funds work? Are there any specific advantages to them? Learn more by watching our short video.| Creative Planning
A CPA breaks down a tax-smart way he saves for his children’s education expenses My favorite college savings tax planning opportunity is a 529 plan. As a father, saving for all my four kids’ college costs is one of my dreams. Unless I want it to be a pipe dream, I believe that I need ... Read more| Creative Planning
Three Tips for Dealing with Irrational Financial Anxiety Financial anxiety can hit at any age, and when someone is struggling to make ends meet, those worries are real and justified. However, that’s not the type of financial anxiety I’m referring to in this article. Here, I am addressing “irrational” financial anxiety, which can become especially ... Read more| Creative Planning
Our team of CPAs and tax professionals provides expertise and strategies that align with your wealth management goals.| Creative Planning
What is the Approximate Amount of Your Investable Assets?| Creative Planning
Learn four strategies for diversifying a concentrated stock position in a tax-efficient manner.| Creative Planning
Taxes touch every aspect of your finances. Here are four ways proactive tax planning can help improve your financial outlook.| Creative Planning
Learn six reasons why it makes sense to implement tax planning strategies early in the year.| Creative Planning
Important Disclosure Information Disclosures & Certifications Disclosure Information Affiliates Certifications and Designations YouTube & Podcasts Accolades & Awards Disclosure Information Creative Planning, LLC. (“Company”) is an SEC registered investment adviser located in Overland Park, Kansas. Company and its representatives are in compliance with the current filing requirements imposed upon SEC registered investment advisers by those ... Read more| Creative Planning
Three Strategies for Transitioning From Saving to Spending in Retirement After decades of saving for retirement, you’re finally approaching the finish line and getting ready to transition into the next chapter of life. Congratulations! You have a lot to look forward to in your retirement years. Yet, making the shift from saving to spending in retirement can be difficult. ... Read more| Creative Planning
To properly estimate your healthcare expenses in retirement, you’ll first need to consider your possible healthcare needs.| Creative Planning
Our team of certified financial planners can customize a plan that works for all aspects of your life.| Creative Planning
Regardless of your outlook on retirement, completing the following tasks before you retire can help ensure a smooth transition to the next chapter of your life.| Creative Planning
How HSAs Can Be Good for Your Health and Your Wallet Health savings accounts (HSAs) have grown in popularity over the last few years as a way to help offset the expenses of qualified high-deductible health plans. In 2022, the IRS allows individuals to contribute up to $3,650 to an HSA ($7,300 for families). Those ... Read more| Creative Planning
The Benefits of Making Roth Contributions If you are currently working to save for retirement, you may be wondering what types of accounts are most advantageous. While it’s wise to invest in several types of accounts, including employer-sponsored retirement plans, traditional IRAs, and after-tax accounts, I believe the most advantageous is the Roth IRA because ... Read more| Creative Planning
A Case Study In this case study, we get to know John and Jane Sample, ages 63 and 61, who are in their prime earning years and have their eyes set on retirement. Join us as we follow the Samples through their introductory experience with Creative Planning. John and Jane Sample are ready to retire. ... Read more| Creative Planning
Perhaps you want to address the fact that your family members have different needs or abilities. You may not have a partner or children, but perhaps you have philanthropic goals or wish to provide for a dear friend or beloved pet. Most distributions are possible with the right planning.| Creative Planning
Getting the timing right for retirement can help mitigate the risk of being forced to withdraw from your portfolio sooner than anticipated.| Creative Planning
The FIRE movement (financial independence, retire early), isn’t right for everyone. Ask yourself these questions to help decide whether it's right for you.| Creative Planning
Request a Meeting For more information on how we safeguard your personal information, please refer to our privacy policy.| Creative Planning
Retirement comes with many uncertainties. Ask yourself these three questions to determine whether you’re currently in a position to retire.| Creative Planning
The retirement landscape is undergoing changes that could impact the way Americans plan and save for the future. Learn five trends significantly transforming retirement.| Creative Planning
In the years leading up to retirement, be sure to focus on the things that will bring you joy, meaning and fulfillment throughout the next chapter of life. Get our tips.| Creative Planning
