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Haas Financial Group At Haas Financial Group, we believe in the power of personalized planning, by aligning your personal values, vision and wealth.

Subscribe to our Podcast on Spotify: A/B Conversations: CFP® Your Way Out Of It. A podcast where you get into the minds of a couple Certified Financial Planners™ on how we think about everyday financial planning questions and what should really matter most to you. Investment advice offered through Great Valley Advisor Group (GVA), a Registered Investment Advisor. Great Valley Advisor Group and Haas Financial Group are separate entities. Third party posts found on this profile do not reflect the views of GVA and have not been reviewed by GVA as to accuracy or completeness. For a list of states in which I am/we are registered to do business, please visit haasfinancialgroup.com

10/29/2026

You've spent decades saving for retirement. But when it's finally time to enjoy the money you've worked so hard to build, why can spending it feel so uncomfortable?

For many retirees, the habits that helped them build wealth are the same habits that make it difficult to enjoy it. But retirement planning isn't just about making sure your money lasts. It's also about making the most of your health, time, and opportunities while you can.

On this episode of A/B Conversations, Adam Werner and Ben Haas discuss the saver’s dilemma and how to balance enjoying life today while preparing for tomorrow.

Listen to the full episode: https://www.youtube.com/watch?v=1Oyu-tGtq64

10/28/2026

Having money in retirement is important. But what happens when you have the money and the time, yet your health no longer allows you to enjoy the experiences you've been saving for?

Retirement is about more than reaching a savings goal. It's about recognizing the window when your financial resources, health, and free time overlap—and making intentional decisions about how to use it.

That doesn't mean spending recklessly. It means building a financial plan that supports both your future security and the life you want to live today.

Listen to Adam Werner and Ben Haas discuss finding your retirement sweet spot on A/B Conversations.

Listen here: https://www.youtube.com/watch?v=1Oyu-tGtq64

10/22/2026

What if the biggest retirement mistake isn't spending too much—but waiting too long to enjoy what you've saved?

It's natural to worry about unexpected expenses or need more money later in life. But constantly putting off meaningful experiences can come with its own cost.

The goal isn't to spend time without a plan. It's to stress-test your retirement strategy, build in financial safeguards, and gain the confidence to use your money intentionally.

In the latest episode of A/B Conversations, Adam Werner and Ben Haas explore why finding the balance between saving and spending is an important part of retirement planning.

Listen to the full conversation: https://www.youtube.com/watch?v=1Oyu-tGtq64

10/01/2026

What happens to Social Security if the trust fund reserves are depleted?

It's one of the biggest questions retirees and future retirees are thinking about - and one that shouldn't simply be ignored when making a Social Security claiming decision.

As Adam and Ben discuss, potential changes to Social Security are another "domino" worth considering. The goal isn't to assume the worst. It's to understand the possibilities, consider how they could affect your retirement plan, and make decisions based on what matters most to you.

Listen to the full conversation from A/B Conversations for a deeper look at the many factors behind a Social Security claiming decision.

https://www.youtube.com/watch?v=bZAqRAPtehc

09/28/2026

If we knew exactly how long we were going to live, deciding when to claim Social Security would be a whole lot easier.

The math often points toward delaying benefits if you can afford to wait, because living longer can mean receiving more in lifetime benefits. But real-life retirement planning isn't quite that simple. Your health, financial needs, spouse, survivor benefits, taxes, and overall retirement strategy can all play a role in the decision.

So the question isn't simply, "When should I claim Social Security?" It's, "What makes the most sense for my overall financial plan?"

Listen to the full conversation from A/B Conversations.

https://www.youtube.com/watch?v=bZAqRAPtehc

09/24/2026

Retirement planning means planning for more than one possible future.

Delaying Social Security may increase lifetime benefits if you live a long life - but what happens if your circumstances change unexpectedly? Your Social Security decision can affect how much you draw from your portfolio, what assets you preserve, and what happens financially if one spouse passes away earlier than expected.

That's why looking at multiple "what if" scenarios can be so important when deciding when to claim Social Security.

Listen to the full conversation for more on the dominoes behind this decision.

https://www.youtube.com/watch?v=bZAqRAPtehc

09/14/2026

One of the hardest transitions in retirement isn't learning how to save.

It's learning how to spend.

If you've spent your entire career being disciplined, living below your means, and watching your accounts grow, suddenly being told “you have enough—go enjoy it” can feel incredibly uncomfortable.

But waiting forever to enjoy your money comes with its own risk.

What if you have the money later, but don't have the health, energy, or opportunity to do the things you've been postponing?

Your financial plan should help you prepare for tomorrow without sacrificing today. https://www.youtube.com/watch?v=KjRGeygjKeA

09/11/2026

We spend decades being told to save more, invest more, and build more wealth.

But what happens when “more” becomes the goal instead of the tool?

Financial planning isn't just about maximizing wealth. It's about figuring out what your money is supposed to make possible in your life—whether that's more time, more experiences, more freedom, or more meaningful moments with the people you love.

At some point, the question has to change from “How much more can I accumulate?” to “How can this money serve my life?”

Listen to the latest episode of A/B Conversations: Maximizing Your Life vs. Maximizing Your Wealth. https://www.youtube.com/watch?v=KjRGeygjKeA

09/01/2026

Even financial professionals need a second opinion.

Adam shares how he will sometimes turn to Ben when making decisions about his own finances because another perspective can reveal something he may not see himself.

That's one of the benefits of financial planning: not having someone who can predict the future, but having someone who can challenge your assumptions, ask better questions, and help you think through different outcomes.

If you've been making major financial decisions on your own, this episode is worth a listen. https://www.youtube.com/watch?v=julFnINQTZs

08/31/2026

One of the biggest financial risks isn't always making a bad decision. Sometimes it's being too confident that you've considered everything.

Adam and Ben discuss how overconfidence can lead people to overlook taxes, estate planning, insurance, longevity, market uncertainty, and other factors that can affect the outcome of a financial plan.

You don't have to predict the future. You need a plan that can adapt to it.

Listen to the full episode of A/B Conversations for a deeper conversation about financial blind spots. https://www.youtube.com/watch?v=julFnINQTZs

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172 West Main Street
Kutztown, PA
19530

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Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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