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Ryan Ermey at CNBC quoted our advisor Jeff Judge this week on TIPS and I bonds.The May inflation number came in at 4.2%....
06/17/2026

Ryan Ermey at CNBC quoted our advisor Jeff Judge this week on TIPS and I bonds.

The May inflation number came in at 4.2%. Jeff's message to CNBC: these tools get dusted off every time CPI makes headlines, and that's exactly backwards.

Here's what that means practically:

TIPS and I bonds are government-backed. They're designed to track inflation. But they're not an emergency switch you flip when prices go up.

If your savings plan doesn't already account for inflation, that's the problem. Adding a bond product in response to this week's news doesn't fix it.

We help clients build plans that don't require panic adjustments when inflation moves. If yours might need one, let's talk.

https://skd.so/MwmhSb

https://skd.so/sbi63j - https://skd.so/GWzQ3u -

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

Business owners know their sale price. Few know their after-tax number.The offer says $5M. The amount that funds your ne...
06/17/2026

Business owners know their sale price. Few know their after-tax number.

The offer says $5M. The amount that funds your next thirty years could be a million dollars lower, depending on how the deal is built.

Before you sign anything, it helps to have answers to a short list:

Is this an asset sale or a stock sale, and what does each do to your tax bill?

What's the actual number landing in your account after taxes and fees?

What replaces your paycheck the month after closing?

Who's coordinating your CPA, your attorney, and your planner so nothing slips through the gap?

What does this money need to do for the rest of your life?

The sale is a single day. The money has to work for decades after it.

The mistake we see again and again isn't selling for too little. It's planning around the headline number instead of the one you keep.

If you're within a few years of selling, a Fit Call is a sensible time to pressure-test that number.

Business owners, what's the part of a sale you wish someone had walked you through earlier?



The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Robert Kiyosaki made headlines this week calling dollar savers losers and telling people to pile into gold, silver, and ...
06/16/2026

Robert Kiyosaki made headlines this week calling dollar savers losers and telling people to pile into gold, silver, and crypto. The Street asked our own Jeff Judge to weigh in, and his take separates the noise from what actually matters.

The noise: moving money you might need soon into assets that swing wildly is not a plan. It is a gamble.

The part that matters, and the data backs it: a dollar held since 2020 has lost about 22% of its purchasing power, while the average savings account pays just 0.61% as prices keep rising. Money sitting still is losing ground.

As Damilola Esebame reported in The Street, here is what Jeff suggested instead. For cash you can leave alone for six to twelve months, short-term Treasury bills are worth a serious look right now.

You do not need to chase headlines. You just need your safe money to actually be doing something.

If you are sitting on a large cash balance and wondering whether it is working hard enough, let's talk.

https://skd.so/DAHTwg

https://skd.so/S7nXQO - https://skd.so/KDDEfq -

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

The deposit isn't the expensive part of renting with a pet.Jeff Judge was quoted by Hani Richter in Reuters this week on...
06/15/2026

The deposit isn't the expensive part of renting with a pet.

Jeff Judge was quoted by Hani Richter in Reuters this week on exactly this: the real costs stack up in the recurring category.

Vet bills. Monthly pet rent. Grooming. Boarding a week each year. Non-refundable move-out fees. Add those up across a year and you can easily be looking at several thousand dollars in expenses that never stop.

For a generation that often can't buy yet, having a pet is genuinely how a lot of people build a sense of home. That's not a budget mistake. It's a priority.

But when those costs go unplanned and start competing with retirement contributions or emergency savings, the financial picture shifts in ways that compound over time.

This is one of the conversations worth having early. If someone you care about is navigating this, share this piece.

https://skd.so/ORuLlI

https://skd.so/SLcmFg - https://skd.so/z13kdu -

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

Picture someone who saved diligently for 30 years, then froze the first time they tried to enjoy any of it. A single pur...
06/15/2026

Picture someone who saved diligently for 30 years, then froze the first time they tried to enjoy any of it. A single purchase, and the balance ticked down, and after decades of watching it only climb, that felt like a mistake.

It usually isn't a mistake. It's a habit that outlived its purpose.

Jeff Judge was quoted by Jacob Schroeder in Kiplinger this week on why this happens to so many good savers. For your whole working life, you are rewarded for one thing: getting the number higher. Save more, spend less, defer the reward.

Then you retire, and you are asked to do the opposite. Spend the money you spent decades protecting. Almost nobody is ready for that shift.

As Jeff said in the article, retirement is the first time being a beginner is financially safe. Most people have just never practiced it. The money got built as a score. It was never reframed as a tool you are allowed to use.

What helps is structure. A set amount each month that is safe to spend, arriving automatically, so it feels like the paycheck you used to get. After a year or two of watching the plan hold, the fear eases.

Saving well is a skill. So is letting yourself use what you built.

https://skd.so/ITFO1C

https://skd.so/TRMLUX - https://skd.so/HBR1y9 -

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

Your retirement paycheck is a system, not a vibe.While you were working, the paycheck just showed up. Direct deposit, ev...
06/15/2026

Your retirement paycheck is a system, not a vibe.

While you were working, the paycheck just showed up. Direct deposit, every two weeks, no decisions required.

In retirement, you build that paycheck yourself, out of parts that don't naturally line up. Social Security, savings, maybe a pension, maybe rental income.

The people who feel calm about money in retirement often aren't the ones with the biggest balance. They're the ones who turned a stack of accounts into a monthly number that holds up.

A few questions a working system answers:

Which account funds this month, and which one stays invested?

What do you do in a year the market falls in January?

How does the income shift the year one spouse is on their own?

A stack of accounts is not a plan. A plan tells the stack what to do.

If your money is still a stack and not yet a system, that's the conversation a Fit Call is built for.

What part of your retirement income still feels like a stack instead of a system?



The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Most married couples we meet are already doing the work. They both save. They both contribute enough to get their employ...
06/14/2026

Most married couples we meet are already doing the work. They both save. They both contribute enough to get their employer match. On paper, it looks handled.

Then you put their two retirement plans next to each other, and there is money being left behind.

Money covered exactly this, in a piece where reporter Liliana Hall spoke with our founder Jeff Judge. New research from the Center for Retirement Research at Boston College found that roughly 1 in 5 married couples miss part of their employer match, around 757 dollars a year on average.

The reason is almost never that people are not saving enough.

It is that two spouses treat their 401(k)s as two separate decisions instead of one household decision. When one employer offers a more generous match, the household comes out ahead by funding that plan first, then sending additional savings to the second.

No combined accounts. No loss of control. Just a different order.

A once-a-year check-in together, ideally at tax time, is usually enough to catch it.

Here is the full article:

https://skd.so/wjlfyk

If you want a clear read on where your household stands, you can book a Fit Call here:

https://skd.so/9zrE5U - https://skd.so/EvOLFb -

For educational purposes only.

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

Most high earners in New York aren't paying too much because of the tax rate.They're paying too much because nobody has ...
06/14/2026

Most high earners in New York aren't paying too much because of the tax rate.

They're paying too much because nobody has looked at all three tax systems together.

Federal, New York State, and New York City each run their own rules. Their own deductions. Their own definitions of what counts.

CFP's Jeff Judge was just quoted in Wealthtender on this. He works with clients where the combined marginal rate can push above 50%. And the mistake he sees most often isn't a bad investment or an aggressive strategy. It's people who relocated out of New York believing they'd broken residency, and got audited years later.

New York tracks this. Fewer than 183 days in-state, documented with travel records and financial activity. One client sold a business, moved to Florida, and two years later had a six-figure audit bill. The planning to prevent it would have cost a fraction of that.

Tax filing records what happened. Tax planning changes what's going to happen.

If you're a high earner with income from multiple sources and want to know where your biggest exposures are, a Fit Call is the right first step.

https://skd.so/OtEEmP

https://skd.so/lHv7Sa - https://skd.so/dR8Ehn -

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

A client noticed their quarterly meeting felt rushed. They were right to notice.Their advisor had spent two mornings tha...
06/13/2026

A client noticed their quarterly meeting felt rushed. They were right to notice.

Their advisor had spent two mornings that week on regulatory paperwork. Not planning. Not reviewing their retirement income picture. Paperwork.

That was the quote Jeff Judge gave Financial Planning magazine this week, talking about what Form ADV compliance actually costs at smaller advisory firms.

The number: federally registered advisors filed an average of 1,026 data points on just two sections of their Form ADV last year. In 2011, that figure was 566. Nearly double. And it keeps growing.

Big firms absorb this with compliance departments. Small, independent firms absorb it in client time.

At Chesapeake Financial Planners, this is our reality too. It's why we're intentional about how we structure client work and where advisor time actually goes.

Your planning meetings should feel like they cover what matters. If they don't, it's worth finding out why.

https://skd.so/a5ohyc

https://skd.so/3irvBa - https://skd.so/Ss9uSp -

𝘛𝘩𝘦 𝘰𝘱𝘪𝘯𝘪𝘰𝘯𝘴 𝘷𝘰𝘪𝘤𝘦𝘥 𝘪𝘯 𝘵𝘩𝘪𝘴 𝘮𝘢𝘵𝘦𝘳𝘪𝘢𝘭 𝘢𝘳𝘦 𝘧𝘰𝘳 𝘨𝘦𝘯𝘦𝘳𝘢𝘭 𝘪𝘯𝘧𝘰𝘳𝘮𝘢𝘵𝘪𝘰𝘯 𝘰𝘯𝘭𝘺 𝘢𝘯𝘥 𝘢𝘳𝘦 𝘯𝘰𝘵 𝘪𝘯𝘵𝘦𝘯𝘥𝘦𝘥 𝘵𝘰 𝘱𝘳𝘰𝘷𝘪𝘥𝘦 𝘴𝘱𝘦𝘤𝘪𝘧𝘪𝘤 𝘢𝘥𝘷𝘪𝘤𝘦 𝘰𝘳 𝘳𝘦𝘤𝘰𝘮𝘮𝘦𝘯𝘥𝘢𝘵𝘪𝘰𝘯𝘴 𝘧𝘰𝘳 𝘢𝘯𝘺 𝘪𝘯𝘥𝘪𝘷𝘪𝘥𝘶𝘢𝘭.

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