retirement planning

There’s a phenomenon in investing that rarely makes headlines, doesn’t trigger any alerts, and builds slowly enough that most people never notice it happening. It’s called portfolio drift — and by the time you see it clearly, it’s usually been reshaping your risk profile for years.

There’s no universal 60/40. Your investment allocation should reflect your unique timeline, risk tolerance, and what you’re actually building toward — not a textbook formula designed for no one in particular. Here’s how to think about portfolio allocation personally.

Halfway through 2026? Time for a mid-year financial checkup. Review your budget, retirement contributions, portfolio, and tax plan to finish the year strong.

Investing can feel overwhelming, especially when you’re trying to balance risk, reward, and flexibility in a way that fits your unique goals. Every investor brings different needs, preferences, and comfort levels to the table, and that’s completely normal. Education is one of the most empowering tools in financial planning, so this guide offers a clear, approachable overview of common investment vehicles to help you feel more confident in your decisions.

For many Americans, the idea of investing can feel overwhelming or even intimidating. It’s completely normal to feel uncertain, especially if you’re new to the financial world. But taking that first step toward investing is really a step toward financial independence, no matter how much you currently have saved. With the right knowledge and support, anyone can begin building a stronger financial future.

Securing a comfortable retirement isn’t just about saving consistently. It’s about making informed, intentional choices that evolve with your goals and lifestyle. Whether you’re early in your career or preparing for your final working years, the right strategies can help you build a strong, adaptable retirement plan.

Do you ever wonder where your money goes each month? Does it seem like you’re never able to get ahead? If so, you may want to establish a budget to help you keep track of…

Your retirement accounts—such as IRAs, 401(k)s, or pensions—represent decades of saving, investing, and planning for your future. They’re not just numbers on a screen; they’re your security net for retirement and a reflection of your…

In July 2025, the U.S. House of Representatives introduced the Digital Asset Market Structure and Clarity Act of 2025 (CLARITY Act)—a major step forward in defining the regulatory landscape for digital assets. The bipartisan legislation…

Much is written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Some classic financial missteps have been known to plague retirees, too. Calling them “missteps” may be a bit harsh,…

Spring has a way of making us think about fresh starts-whether that’s cleaning out the garage, planting a garden, or, yes, rethinking our financial plans. Over the years, I’ve seen that the best financial strategies…

Sept 14, 2020 | Lena Rizkallah, JD, CRPC® It seems that everyone is on some type of diet these days.  Whether it’s no carb/high protein; high protein/high fat/low sugar; no sugar/no carb/no fat/no dairy/all bacon—it…

Sept 8, 2020 | Lena Rizkallah, JD, CRPC® At what age does middle age begin?  Nowadays, many will argue that age ‘ain’t nothin’ but a number’ and ‘you’re only as old as you feel.’  Or…

July 16, 2020 | Lena Rizkallah, JD, CRPC®, Conte Wealth Advisors Many people entering retirement are faced with mixed emotions: on the one hand, it is the end of one’s career and the beginning of…

July 06, 2020 | Lena Rizkallah, JD, CRPC®, Conte Wealth Advisors When I was a kid, the weeks leading up to the first day of a school year were the most exciting of the year. …

June 24, 2020 | Lena Rizkallah, JD, CRPC®, Conte Wealth Advisors So guess what?  The Rolling Stones was scheduled to go on tour in 2020 but due to the coronavirus had to cancel all their…

It’s been a month since most states issued ‘stay at home’ orders to its citizens.  Since then businesses have shut down, schools have closed, people have stopped hugging each other, and my mother figured out…