What are the opening hours?

Tuesday 9am - 5pm Wednesday 9am - 6pm Thursday 8am - 6pm Friday 9am - 5pm

Insight Financial Strategists, LLC

Home
United States
Newton, MA
Insight Financial Strategists, LLC

We help you reach peace of mind by simplifying your complex financial decisions. Ask us at www.insightfinancialstrategists.com
(1)

We are generalists Wealth Strategists with specific expertise and experience in Retirement Planning, Investment Management and Divorce Financial Planning. As fee only advisers we are committed to your best interest first and foremost. Track Your Net Worth for Free Today: po.st/financialplan

10/30/2026

Why invest in emerging markets? One reason, of course, is diversification. Another is that they are expected to have stronger economic growth.

10/29/2026

Do you need a financial advisor in your 20s?

You may not have accumulated significant assets yet, but you could be approaching some of your biggest financial decisions: buying a home, getting married, starting a family, and saving for retirement.

I recently spoke with Business Insider about why those different goals require different time horizons and often different approaches to risk.

Good financial planning isn’t just about managing investments. It’s about making sure your money is aligned with where you’re going.

Read the article: https://www.businessinsider.com/should-i-get-a-financial-advisor-planner-what-to-know-2026-8

Here are some things to think about if you're considering tapping a financial planner long before you're near retirement age.

10/28/2026

Food for thought! The top 50 performing stocks by year are not always American. That surprised me too!

10/27/2026

“My adviser is pushing annuities — should I buy one or find a new planner?”

Depending on how your advisor is paid, you may at least need a second opinion.

🔎 Check out my take on this question in the MarketWatch article:
https://www.marketwatch.com/picks/im-a-lifetime-federal-employee-with-all-the-perks-i-have-3m-in-investments-3-rental-properties-and-no-debt-now-my-adviser-is-pushing-annuities-whats-my-move-815699a2

10/27/2026

Retirement spending is not usually a flat line.

The chart shows what many retirees experience in real life: spending is often higher in the early years of retirement, then gradually declines over time. That makes sense. The first years of retirement are often when people travel more, pursue hobbies, visit family, renovate homes, or do the things they waited years to enjoy.

This is sometimes described as the “go-go, slow-go, and no-go” pattern of retirement spending.

That does not mean everyone will follow the exact same path. Healthcare costs, housing costs, family needs, and personal goals can all change the picture. But the general idea is important: your retirement plan should reflect the life you expect to live, not just a fixed monthly number multiplied by 30 years.

This is also why housing deserves careful attention. If housing remains one of your largest expenses throughout retirement, reducing or eliminating that obligation can create meaningful flexibility. If you're weighing that decision, our blog, Should You Retire With a Mortgage?, explores the factors to consider and when keeping a mortgage may (or may not) make sense.

Retirement planning is not just about how much you can spend. It is about when, where, and why you are likely to spend it.

https://insightfinancialstrategists.com/should-you-retire-with-a-mortgage/

10/26/2026

Except for bonds, the major asset classes have done well so far this year (graph until 9-30-26).

10/26/2026

It is common to assume that retirement portfolios should become very conservative once someone stops working.

The chart challenges that assumption.

Retirement can last 25, 30, or even 35 years. Over that kind of time horizon, growth still matters. A portfolio that is too conservative may feel safer in the short term, but it can increase the risk that inflation and withdrawals erode purchasing power over time.

That does not mean retirees should ignore risk. Sequence of returns risk is real, especially in the early years of retirement. A major market decline early in retirement can have lasting consequences if withdrawals are not managed carefully.

The answer is not simply “more stocks” or “less stocks.”

The answer is balance.

A thoughtful retirement portfolio usually needs enough stability to support near-term spending and enough growth potential to support long-term needs. That is why asset allocation should be based on income needs, time horizon, risk tolerance, tax situation, and the structure of the broader financial plan.

Your age matters. But it should not be the only factor driving your investment strategy.

10/23/2026

You already know that oil prices are way high. Unless you have an electric vehicle, you see it every time that you fill up your tank. There are other factors, but the war with Iran is at the root.

10/22/2026

One of the most important retirement planning assumptions is also one of the easiest to underestimate: how long retirement may last.

Most people think about their own individual life expectancy. But for married couples, that often isn’t the right planning number. In many cases, the more important question is how long the second spouse may live.

That changes the math considerably.

The chart shows there is a meaningful chance that at least one spouse in a couple will live into their 90s. For healthier, higher-income households, that possibility may be even greater than the population averages suggest.

Living longer is good news. It also means your portfolio, income plan, healthcare planning, and inflation strategy may need to last longer than you originally expected.

A strong retirement plan does not just help you get to retirement. It helps prepare you for the retirement you may actually experience.

What age are you planning for?

We help individuals and couples with retirement planning with a focus on retirement income.

10/21/2026

Why is the stock market continuing to do well? Or at least not doing badly? Part of the answer is that corporate earnings continue to grow.

Address

Newton, MA
02458

Opening Hours

Tuesday	9am - 5pm
Wednesday	9am - 6pm
Thursday	8am - 6pm
Friday	9am - 5pm

Website

http://insightfinancialstrategists.com/

Alerts

Be the first to know and let us send you an email when Insight Financial Strategists, LLC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.