Commentary | Prosperion Financial Advisors

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When Markets Panic, Memory is the First Casualty

There is a curious trait built into human nature: When something is painful, frightening or deeply disorienting, we don’t just want it to end — we want to forget it ever happened. COVID fits that description perfectly.

Plan

The 62-Year Scorecard

Somewhere around age 62 — about the time many people begin thinking seriously about retirement — the focus shifts. The conversation moves from accumulation to preservation, from maximizing growth to ensuring durability. The question is no longer, “How much can I build?” but rather, “Will this last?”

Invest

The Quiet Power of Dividends

They aren’t flashy. They don’t dominate headlines. They rarely fuel cocktail-party conversations or social-media bravado. In a market obsessed with price momentum, dividends can feel like the broccoli of investing — nutritious, dependable and routinely ignored in favor of something more exciting.

Planning

Debt Is Real; Panic Is Optional

Recently, I met with a prospective client who leaned forward, lowered his voice and said, “I have one question — and I want your honest answer. The United States is bankrupt.”

Plan

Looking Forward with the Perspective of the Past 50 Years

Most people reading this column — whether early in their careers or well into retirement — have had their entire financial lives shaped by the events between 1975 and 2025. And yet almost none of us were taught to study that period carefully. Instead, we’ve been conditioned by markets, media and our own wiring to obsess over what’s happening today and what might come next. Such a short-term obsession is the enemy of good investor behavior.

Plan

Your Plan (and Behavior) Matter More Than the Headlines

The biggest success determinant has nothing to do with cleverness or timing. Instead, it has everything to do with having a plan and sticking to it. Amid all the noise in today’s world, it’s easy to get distracted from the foundation of your financial plan. By returning to those core principles, you can recalibrate to your highest priorities, both for now and the future.

Plan

Overcoming Inflation Using a Familiar Friend (Part 2)

If your income doesn’t rise to match inflation, your lifestyle must fall to compensate. That’s not pessimism but basic math.

Plan

Understanding Inflation, the Silent Killer (Part 1)

Among the greatest long-term threats to retirees and investors is inflation. The world was reminded in recent years — and almost overnight — just how quickly inflation can roar back to life.

Advisor Favorite

From Accumulation to Freedom: A Better Retirement Mindset

I want to start with a story that’s uncomfortable and all too common. A man dies at 73 with $2.4 million. He lived in the same modest house for forty years, drove an aging car and clipped coupons until the end. He never took the big trip or upgraded anything to make daily his life easier. Instead, he just kept stacking dollars in the bank. Shortly after his funeral, his children split the money. Flush with cash, they purchase new homes, cars and consumer goods to upgrade their lifestyle — until the money runs out.