Norberg Wealth Management

09/01/2026

How should your investment portfolio change as you approach retirement?

Bill Bengen, creator of the well-known 4% Rule, recently shared his thoughts on portfolio allocation, withdrawal strategies, diversification, and the importance of rebalancing over time.

Whether you're already retired or planning for the future, understanding how your investments work together can help support your long-term goals.

📖 Read more by clicking the link below.

The 4% rule for retirees is easy enough to understand in theory: withdraw that much of your portfolio per year, and your money should last you through retirement. But what does that look like in practice?

08/28/2026

As the final days of summer quietly pass, Mary Oliver offers a question worth carrying into every season:

"Tell me, what is it you plan to do with your one wild and precious life?"

It is a beautiful question, but also a practical one.

Many people spend years preparing financially for retirement without ever pausing to define what that chapter should actually look like.

Travel. Family. Service. Adventure. Creativity.

The details differ, but the exercise is the same: first envision the life you want to live, then build a plan to support it.

Financial planning is not merely about accumulating wealth.

It is about creating the freedom to spend your time in ways that are meaningful to you.

Because a well-crafted plan begins not with spreadsheets, but with purpose.

08/27/2026

As summer begins its graceful exit, it seems only appropriate to raise a glass to one of the season's most enduring classics: the Hemingway Daiquiri.

Named for Ernest Hemingway, who famously enjoyed the cocktail during his time in Cuba, this crisp and sophisticated variation on the traditional daiquiri trades sweetness for bright citrus and balance. With fresh lime, grapefruit, white rum, and a touch of maraschino liqueur, it's a drink that feels both refreshing and timeless.

A proper companion for these final warm evenings before Labor Day.

🍸 The Hemingway Daiquiri

Ingredients
• 2 ounces white rum
• 1/2 ounce maraschino liqueur
• 3/4 ounce fresh lime juice
• 1/2 ounce fresh grapefruit juice

Directions
1️⃣ Add all ingredients to a shaker filled with ice and shake until well chilled
2️⃣ Strain into a chilled coupe glass
3️⃣ Garnish with a lime wheel
4️⃣ Enjoy a final toast to summer

Thoughtful. Timeless. Elegantly balanced.

08/26/2026

As August comes to a close, staying informed can help you navigate changing market conditions with greater confidence. 📊

This week's commentary covers recent market developments, key economic trends, and insights that may be important for investors as we look toward the months ahead: https://www.norbergwealth.com/weekly-market-commentary 💡

08/25/2026

Can being too conservative in retirement actually put your financial future at risk?

While protecting your savings is important, avoiding growth opportunities altogether may make it harder to keep pace with inflation and support a retirement that could last decades.

Finding the right balance between preserving wealth and maintaining growth potential is a key component of a successful retirement strategy.
Learn more about the hidden risks of playing it too safe in retirement.

Being too conservative in your retirement years may cause more harm than good; as you might not take inflation or longevity into account.

08/24/2026

What's the one financial task you've pushed off so far this year? 🤔 Whether it's reviewing your retirement plan, updating beneficiaries, revisiting your investment strategy, or taking a closer look at your year-end tax opportunities, a little planning today can help reduce stress and create more confidence for the months ahead.

The year isn't over yet. What financial task would you like to accomplish before the holiday season begins?

08/21/2026

Here's a history lesson from The Financial Prof. 🎩

Before the 4% Rule became a cornerstone of retirement planning, financial advisor Bill Bengen asked an important question:
How much can retirees safely withdraw from their savings without running out of money?

His research helped shape the retirement income strategies advisors still discuss today and introduced what became known as the 4% Rule.
While retirement planning is about far more than a single rule of thumb, understanding the history behind these concepts can help us make more informed decisions for the future.

▶️ Watch this short to learn how one study changed the retirement planning conversation.

08/19/2026

Wishing students, teachers, and families a wonderful start to the new school year! 🍎📚

As new routines begin and fresh opportunities emerge, we hope this school year is filled with growth, learning, and success. Here's to a great year ahead for everyone heading back to the classroom!

08/18/2026

Should concerns about future Social Security changes influence when you claim benefits?

While headlines about potential reductions can create uncertainty, claiming early isn't always the best financial decision. Factors such as your income needs, life expectancy, retirement goals, and overall financial plan should all play a role in determining the right strategy.

Before making a decision, take time to evaluate your options and understand how different claiming ages may impact your long-term retirement income.

If you’re tempted to claim Social Security benefits early because you’re worried about future reductions to Social Security benefits, don’t make any hasty decisions until you analyze your situation further.

08/17/2026

Year-end planning starts sooner than many people realize. 📅

From retirement contributions and tax strategies to investment reviews and charitable giving, taking action now may help you avoid a last-minute rush and finish the year with greater confidence.

Swipe 👉 through for six areas worth reviewing before the year slips away.