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Richard Pelletier, Investment Advisor Representative

Investment advisory products and services made available through Impact Partnership Wealth, LLC ("IPW"), a Registered Investment Adviser.

📈 The annual Social Security COLA announcement is a reminder that inflation can have a lasting impact on retirement inco...
10/12/2026

📈 The annual Social Security COLA announcement is a reminder that inflation can have a lasting impact on retirement income.

COLA stands for Cost-of-Living Adjustment, the annual increase designed to help Social Security benefits keep pace with inflation.

Current projections suggest the 2027 COLA could land between 3.1% and 3.6%, potentially adding about $60 to $75 per month to the average $2,000 benefit. If those estimates hold, it would represent the largest Social Security benefit increase since 2023.

💡 Retirement Tip: Don't focus solely on your benefit increase. Take time to review your overall retirement income strategy and consider how rising expenses, healthcare costs, and inflation may affect your long-term budget.

📅 It's hard to believe we're already entering the last quarter of the year.Retirement planning isn't a one-time event, a...
10/09/2026

📅 It's hard to believe we're already entering the last quarter of the year.

Retirement planning isn't a one-time event, and the final months of the year can be a great opportunity to review your goals, evaluate your progress, and make any adjustments before the calendar turns.

As the year winds down, taking time to review your plan with a trusted financial professional may help you feel more prepared for whatever comes next.

Retirement can make it easier to slow down and enjoy the simple pleasures of fall. 🍁Whether you're spending time with fa...
10/06/2026

Retirement can make it easier to slow down and enjoy the simple pleasures of fall. 🍁

Whether you're spending time with family, enjoying the cooler weather, or revisiting favorite seasonal traditions, we want to know where you stand on these autumn favorites.

Drop your answers in the comments and tell us which fall tradition you look forward to most each year! ⬇️

💰 October is National Financial Planning Month.Here's a helpful retirement planning habit: Review your financial strateg...
10/03/2026

💰 October is National Financial Planning Month.

Here's a helpful retirement planning habit: Review your financial strategy whenever life changes, not just when the market changes.

Whether you've welcomed a new grandchild, paid off your mortgage, adjusted your travel plans, or experienced another major life event, your financial priorities may have evolved over time.

Your retirement plan should reflect the life you're living today and the future you envision.

Taking time to review your strategy each year and discussing any updates with a trusted financial professional can help ensure your plan stays aligned with your goals.

🍁 As the seasons change, it's a good time to check in on more than just your yard work.With the final quarter of the yea...
09/30/2026

🍁 As the seasons change, it's a good time to check in on more than just your yard work.

With the final quarter of the year approaching, now may be the perfect time to revisit your retirement goals, review your financial strategy, and make sure you're still on track for 2026.

💬 What's one financial goal you're hoping to accomplish before year-end?

Believe it or not, retirement planning requires both a telescope and a microscope...🔭 The telescope helps you see the bi...
09/27/2026

Believe it or not, retirement planning requires both a telescope and a microscope...

🔭 The telescope helps you see the big picture: Retirement lifestyle goals, income needs, legacy planning, long-term financial security

🔬 The microscope helps you focus on the details: Taxes, spending habits, savings rates, market conditions

Success often comes from paying attention to both.

Are you spending more time looking through the telescope or the microscope?

Music has a way of bringing memories back in an instant.A single song can remind us of our first job, our wedding day, r...
09/24/2026

Music has a way of bringing memories back in an instant.

A single song can remind us of our first job, our wedding day, raising a family, or moments we never want to forget.

If your retirement journey had a theme song, what would it be?

Tell us the song and the memory it brings back. 🎵

🍁 Today marks the first day of fall!As the seasons change, it's a great reminder to slow down, enjoy the present, and ma...
09/22/2026

🍁 Today marks the first day of fall!

As the seasons change, it's a great reminder to slow down, enjoy the present, and make memories with the people and activities you love.

One of the joys of retirement is having more flexibility to embrace each season and all it has to offer.

🍂 What's at the top of your fall bucket list this year?

⛽ Remember when gas cost less than a dollar a gallon?Or your first job and the hourly wage that felt like a fortune at t...
09/19/2026

⛽ Remember when gas cost less than a dollar a gallon?

Or your first job and the hourly wage that felt like a fortune at the time.

It's fun to look back, but it's also a reminder of an important financial reality: inflation changes the purchasing power of money over time.

That's why retirement planning isn't just about saving. It's about helping your money keep pace with rising costs throughout retirement.

💬 What was the price of gas when you got your driver's license, or what was your first hourly wage?

Retirement isn't just about what you're leaving behind. It's about what you're moving toward.💼 Retiring from: schedules,...
09/16/2026

Retirement isn't just about what you're leaving behind. It's about what you're moving toward.

💼 Retiring from: schedules, deadlines, and early alarms.

🌴 Retiring to: family, travel, hobbies, new experiences, and the freedom to spend your time your way.

💬 What are you retiring from... and what are you retiring to?

Address

181 Park Avenue , Suite 4
West Springfield, MA
01089

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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