Packard Advisory Services

Packard Advisory Services Successful Retirements Just Don't Happen…They're Planned

Don’t let Social Security headlines catch you off guard.Recent updates—including a 𝟐.𝟖% 𝐂𝐎𝐋𝐀, 𝐚 𝐡𝐢𝐠𝐡𝐞𝐫 𝐭𝐚𝐱𝐚𝐛𝐥𝐞 𝐞𝐚𝐫𝐧𝐢𝐧𝐠𝐬 ...
09/04/2026

Don’t let Social Security headlines catch you off guard.

Recent updates—including a 𝟐.𝟖% 𝐂𝐎𝐋𝐀, 𝐚 𝐡𝐢𝐠𝐡𝐞𝐫 𝐭𝐚𝐱𝐚𝐛𝐥𝐞 𝐞𝐚𝐫𝐧𝐢𝐧𝐠𝐬 𝐜𝐚𝐩 𝐨𝐟 $𝟏𝟖𝟒,𝟓𝟎𝟎, 𝐟𝐮𝐥𝐥 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐚𝐠𝐞 𝐫𝐞𝐚𝐜𝐡𝐢𝐧𝐠 𝟔𝟕, 𝐚𝐧𝐝 𝐜𝐨𝐧𝐭𝐢𝐧𝐮𝐞𝐝 𝐝𝐞𝐛𝐚𝐭𝐞 𝐨𝐯𝐞𝐫 𝐭𝐡𝐞 𝐩𝐫𝐨𝐠𝐫𝐚𝐦’𝐬 𝐥𝐨𝐧𝐠-𝐭𝐞𝐫𝐦 𝐟𝐮𝐧𝐝𝐢𝐧𝐠—are a reminder that Social Security is only one piece of the retirement puzzle.

Your retirement strategy should consider how Social Security fits alongside your other income sources, investments, and long-term goals.

At Packard Advisory Services, we help you look at the bigger picture and build a strategy designed for what’s ahead.
Have questions about your retirement plan? Visit 𝐩𝐚𝐜𝐤𝐚𝐫𝐝𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐲.𝐜𝐨𝐦.

Recent data regarding men's health highlight a critical reality that deserves closer attention:1 in 8 men will be diagno...
09/03/2026

Recent data regarding men's health highlight a critical reality that deserves closer attention:

1 in 8 men will be diagnosed with prostate cancer in their lifetime.

Excluding non-melanoma skin cancer, it stands as the most commonly diagnosed cancer in U.S. men. While that statistic is stark, the turnaround potential is incredible:

🚀 When caught early, the 5-year survival rate exceeds 99 percent.

Here are the most critical facts to know about risk and prevention:

◾ The Age Factor: Approximately 6 in 10 cases are diagnosed in men aged 65 or older.

◾ Family History: Risk increases for individuals with a father or brother who has battled the disease.

◾ The Silent Nature: Early-stage prostate cancer rarely shows any symptoms at all, making proactive screening the ultimate defense.

The American Cancer Society recommends speaking with a healthcare provider to make informed decisions about testing. This conversation typically begins at age 50 for average-risk individuals and earlier (around age 40 to 45) for those with a strong family history.

Consider sharing this information with a colleague, friend, or family member who might need a reminder to prioritize their next check-up.

09/02/2026

You can't predict every retirement risk. But you can plan for them.

For , we're taking a closer look at how insurance can fit into a thoughtful retirement strategy.

From healthcare expenses to long-term care and unexpected changes in income, retirement can bring financial risks that deserve consideration.

Insurance may be one tool to help manage those risks—but the right approach is different for everyone.

Want to make sure your retirement strategy considers the bigger picture? Contact Packard Advisory Services at packardadvisory.com.

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.That's not the headline you see on day o...
09/02/2026

👉 Roughly 56 percent of IPOs bought at the offer price lost money after 3 years.

That's not the headline you see on day one.

You see the first-day pop. The company goes public, and its stock has averaged a 19 percent gain since 1980. Feels like a moment you should catch.

Here's what actually happens:

1️⃣ Institutional investors get the offering price before trading opens.

2️⃣ You buy at market open, after the move.

Then the real story starts.

🔎 This gap is based on research led by Professor Jay R. Ritter, who authored a 2026 report on IPO performance for the University of Florida. His analysis of 9,300 U.S. IPOs is one of the most comprehensive databases available.

Chasing IPOs can provide a thrill, but there are pros and cons.

A sound portfolio should reflect an investor's goals, risk, and time horizon. The risks of an IPO are not for everyone. 🎯

📋 Past performance does not guarantee future results. The return and principal value of IPOs and other stocks will fluctuate as market conditions change. And shares, when sold, may be worth more or less than their original cost.

08/31/2026

Could a Roth conversion help you keep more of what you’ve worked so hard to save?

Join Chris Packard for “𝐃𝐞𝐟𝐮𝐬𝐢𝐧𝐠 𝐭𝐡𝐞 𝐓𝐢𝐜𝐤𝐢𝐧𝐠 𝐓𝐢𝐦𝐞 𝐁𝐨𝐦𝐛𝐬 𝐨𝐟 𝐘𝐨𝐮𝐫 𝐈𝐑𝐀𝐬 & 𝟒𝟎𝟏(𝐤)𝐬 𝐰𝐢𝐭𝐡 𝐑𝐨𝐭𝐡 𝐂𝐨𝐧𝐯𝐞𝐫𝐬𝐢𝐨𝐧𝐬”—a complimentary live webinar created for retirees and pre-retirees with $𝟐𝟎𝟎𝐊+ 𝐢𝐧 𝐚𝐬𝐬𝐞𝐭𝐬.

You’ll learn:
• When a Roth conversion may make sense
• How timing can impact your taxes
• Common mistakes to avoid
• Ways to manage the tax impact

📅 𝐓𝐮𝐞𝐬𝐝𝐚𝐲, 𝐒𝐞𝐩𝐭𝐞𝐦𝐛𝐞𝐫 𝟏
⏰ 𝟔:𝟑𝟎 𝐏𝐌 𝐏𝐓
💻 𝐋𝐢𝐯𝐞 𝐨𝐧𝐥𝐢𝐧𝐞
🎟️ 𝐂𝐨𝐦𝐩𝐥𝐢𝐦𝐞𝐧𝐭𝐚𝐫𝐲—𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐬𝐩𝐨𝐭𝐬 𝐚𝐯𝐚𝐢𝐥𝐚𝐛𝐥𝐞

Your retirement is too important to leave to chance.

👉 𝐑𝐞𝐬𝐞𝐫𝐯𝐞 𝐲𝐨𝐮𝐫 𝐬𝐩𝐨𝐭 𝐭𝐨𝐝𝐚𝐲. tr.ee/QOwCiP

Market volatility is picking up. Should you be concerned?Several factors are creating uncertainty for investors right no...
08/28/2026

Market volatility is picking up. Should you be concerned?

Several factors are creating uncertainty for investors right now:

📈 Elevated Treasury yields
🛢️ Rising oil prices
🌎 Geopolitical tensions
💻 Pressure on technology and AI stocks
🏦 Ongoing questions around interest rates

These pressures have contributed to recent market swings, but volatility alone isn’t necessarily a reason to change course.

For those approaching or living in retirement, a more important question may be: 𝘐𝘴 𝘺𝘰𝘶𝘳 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰 𝘣𝘶𝘪𝘭𝘵 𝘵𝘰 𝘩𝘢𝘯𝘥𝘭𝘦 𝘱𝘦𝘳𝘪𝘰𝘥𝘴 𝘭𝘪𝘬𝘦 𝘵𝘩𝘪𝘴?

A thoughtful retirement strategy considers more than potential returns. It also accounts for your income needs, time horizon, risk tolerance, and how market downturns could affect your plan.

At Packard Advisory Services, we believe a well-constructed plan can help you make informed decisions through changing market conditions.

Learn more at 𝐩𝐚𝐜𝐤𝐚𝐫𝐝𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐲.𝐜𝐨𝐦.

Two retirees can earn the same average return and have very different outcomes.Why?Because in retirement, timing matters...
08/27/2026

Two retirees can earn the same average return and have very different outcomes.

Why?

Because in retirement, timing matters.

An early market downturn in retirement can be more damaging than the same downturn later.

That is the sequence-of-returns risk.

The risk is not simply “the market went down.” It’s “the market went down while income still had to come out.”

A strong retirement strategy should look beyond average returns and address:

🔹 Where income will come from
🔹 How much cash or short-term reserves make sense
🔹 Which accounts to draw from first
🔹 When to rebalance
🔹 How RMDs and Social Security fit into the withdrawal strategy

Sequence-of-returns risk does not make many headlines.

But for anyone entering retirement, it can be one of the most important ideas to understand.

The goal is not to predict the next downturn. It’s about being prepared.

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $3...
08/26/2026

By 2030, women are expected to control nearly two-thirds of private wealth in the United States, representing roughly $30 trillion, according to a landmark 2020 study by McKinsey & Co.

That shift is already underway.

More women than men now graduate from college. Women-owned businesses generate more than $2.7 trillion in annual revenue.

And because women statistically live longer than men, many also manage the final, and often most complex, chapter of a family’s financial life.

The numbers tell an important story:

🔸 Women make or influence a growing share of household financial decisions.

🔸 Yet many still report feeling less confident, less heard, and less well served by traditional financial preparation.

🔸 That gap isn’t about ability. It is about whether the guidance, questions, and process reflect the realities of modern wealth.

Today is Women’s Equality Day.

A financial strategy should reflect the life being built and the goals that matter most for women and men alike: family dynamics, longevity, business ownership, caregiving, legacy, and the financial decisions that shape what is possible.

Does yours?

08/26/2026

Would you trust a chatbot with your retirement plan? 🤖

Technology can make financial information easier to access—but access to information isn’t the same as having a strategy.

When it comes to your financial future, thoughtful guidance and a clear process can help you evaluate your options and make decisions with greater confidence.

Ready to talk about your financial goals and retirement strategy? Contact Packard Advisory Services at 𝐩𝐚𝐜𝐤𝐚𝐫𝐝𝐚𝐝𝐯𝐢𝐬𝐨𝐫𝐲.𝐜𝐨𝐦.

There is usually no single moment when the roles begin to shift with aging parents.A confusing medical bill.A missed pay...
08/25/2026

There is usually no single moment when the roles begin to shift with aging parents.

A confusing medical bill.
A missed payment.
A scam text that almost got clicked.

When and how do you step in without taking over?

The goal is not to take control.

The goal is to make sure helpful people, information, and safeguards are in place before decisions have to be made under pressure.

One potential conversation starter you could try…

“We are reviewing our own estate documents and realize we should understand where everything is.”

Sometimes, that is enough to open the door.

The families who tend to feel best about how this chapter goes are the ones who approached it as a proactive exercise rather than a response to a problem.

We are glad to be part of that process at whatever stage a family is ready to begin.

Address

600 S. Andreasen Drive Ste D
Escondido, CA
92029

Website

Alerts

Be the first to know and let us send you an email when Packard Advisory Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category