Ruby Financial Planning, LLC

05/30/2026

This might be the single highest value I add to the clients I work with through their retirements. So many people struggle to get comfortable spending the money they've saved.

As we age, the boogeyman gets replaced with a new fear:  running out of money in retirement. This concern is understandable given so many Americans are now responsible for not only  building their retirement savings  but also deciding how much they should pay themselves annually in retirement....

05/29/2026

Happy 529 Day (05/29...see what I did there?)! 529 Plans have evolved so much over the years, they really have become one of the most flexible tools you can use, right up there with HSA's and Roth IRA's. They don't have to be a college only investment!

05/27/2026

Tell your friends, family and neighbors. There's so much bad information floating around on Social Security, this article sums it up nicely.

Having misconceptions about Social Security can lead to a derailed retirement.

05/19/2026

I see it all the time. Don't wait until you're 70 to start thinking about Long Term Care insurance. Just like other types of insurance, the sooner you buy it the cheaper it will be for you.

05/02/2026

With one child entering a senior year and another about to head off for a freshman year, this topic has been top of mind for me and many of my peers for a decade!

College is expensive, and prices are rising. Here's what you might pay, plus the best ways to pay for college today.

04/25/2026

This seems like one of the more reasonable solutions I've seen floated around on how to fix the trust funds.

This solution could lead to benefit cuts for some higher earners.

04/21/2026

Here's your annual reminder that getting a large tax return is a clue that you may need to update your tax withholdings from paychecks and other income sources!!!

04/18/2026

So many times when I suggest Roth conversions the answer I get is "...maybe next year...".

Be careful if you're going to use this strategy.

04/14/2026

It's easy to get confused by all the rules around Roth "contributions" and "conversions"...but they are most definitely two different sets of rules.

04/09/2026

I hear so much bad information about what could happen to Social Security that I feel the need to post these stories somewhat frequently. This article does a great job of talking through what actually could happen with Social Security benefits.

Most Americans believe Social Security is "going broke," study shows. Here's what's happening and what needs to be done to save the system every American worker has helped fund.