Endeavor Advisors

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Endeavor Advisors Endeavor Advisors is a full-service Financial Planning Firm with office locations in Arizona and California.

We are Independent, Fiduciary, Fee-Only, Experienced Financial Advisors Investment Advisory Services are offered through Endeavor Advisors, LLC, a registered investment adviser. Insurance products and services are offered and sold through [Endeavor planning Group, LLC and individually licensed and appointed agents.]

Leaving money behind is one thing. Leaving someone prepared to handle it is another. Most families focus on the first pa...
10/21/2026

Leaving money behind is one thing. Leaving someone prepared to handle it is another. Most families focus on the first part and skip the second entirely. The kids or grandkids inherit the account but never learned the values behind it. That is where a lot of legacies quietly fall apart. It doesn't take a formal lesson. Let them help plan a grocery run on a budget. Talk about why the family saves, spends, and gives the way it does. Those small conversations build something that lasts longer than any dollar amount. Wealth without wisdom is just a number with an expiration date.

Retirement readiness is about lifestyle, not just a savings number. So many people think retirement planning is just abo...
10/21/2026

Retirement readiness is about lifestyle, not just a savings number. So many people think retirement planning is just about hitting some magic number in a savings account, but that's only half the picture. What matters is whether your money can support the life you want to live. Someone who wants quiet mornings and occasional family visits needs a very different plan than someone who wants to travel the world every year. The real work is defining your ideal lifestyle first, then reverse engineering the finances to support it. When retirement planning starts with lifestyle instead of just numbers, it becomes something people actually get excited about instead of something they dread thinking about.

What hobbies or lifestyle changes should I financially prepare for in retirement? People often underestimate how much fr...
10/20/2026

What hobbies or lifestyle changes should I financially prepare for in retirement?

People often underestimate how much free time actually costs. Golf memberships, hobby equipment, more frequent dining out, or even just driving more because you have time now, all add up. A new hobby can also cost more than expected in the first year, especially when equipment, memberships, lessons, or travel are involved. The fix isn't avoiding hobbies, it's building a realistic "fun budget" into your retirement plan from the start. That way, when you pick up a new interest or start traveling more, it's already accounted for instead of quietly draining savings meant for other things.

Healthcare is consistently one of the most underestimated expenses in retirement planning. Even with Medicare coverage, ...
10/20/2026

Healthcare is consistently one of the most underestimated expenses in retirement planning. Even with Medicare coverage, there are premiums, deductibles, and gaps like dental or long term care that aren't fully covered. Costs also tend to rise with age, which many people don't anticipate. Treating healthcare as its own dedicated budget category, rather than lumping it into general monthly expenses, creates a much clearer and more realistic financial picture. Understanding these costs ahead of time can prevent unpleasant surprises later and allows for more confident, informed decisions when choosing insurance options and coverage during retirement years.

It's incredibly common for spouses or partners to have different visions of retirement, one dreaming of travel, the othe...
10/14/2026

It's incredibly common for spouses or partners to have different visions of retirement, one dreaming of travel, the other wanting to stay close to home and family. This isn't necessarily a financial conflict, it's a lifestyle conversation that finances need to support. Rather than assuming compromise means giving something up entirely, a well built plan can often include space for both visions, like a dedicated travel budget alongside funds for staying local. The real risk isn't having different dreams, it's avoiding the conversation altogether. Talking openly early on leads to a shared plan both partners feel good about.

How do I make my retirement savings last if I live longer than expected? Longevity is one of the biggest financial risks...
10/13/2026

How do I make my retirement savings last if I live longer than expected?

Longevity is one of the biggest financial risks in retirement, especially if it runs in your family. The goal isn’t to guess exactly how long you’ll live. It’s to build a retirement plan that can adjust along the way. That might mean being flexible with withdrawals, allowing yourself a little more spending in strong market years and pulling back slightly during tougher ones. It also means coordinating reliable income sources like Social Security with your investment portfolio so you’re not relying on one source of income alone. As retirement progresses, your spending, taxes, investments, and income needs can all change. A plan that gets revisited regularly gives you more flexibility to respond. The goal is simple: build a strategy designed to support you whether retirement lasts 20 years or 40.

Let's talk about planning for retirement with variable or self employed income. Retirement planning advice often assumes...
10/13/2026

Let's talk about planning for retirement with variable or self employed income. Retirement planning advice often assumes a steady paycheck, but that leaves out a huge portion of workers who are self employed or dealing with fluctuating income. The good news is, flexible income doesn't mean flexible planning is impossible. Saving a percentage of income rather than a fixed dollar amount allows contributions to naturally adjust with earnings. Building a larger cash cushion also helps smooth out slower periods. Retirement accounts designed specifically for self employed individuals can offer more aggressive savings opportunities during stronger income months. The key is consistency in habit, even when the numbers change month to month.

How do I balance risk if I also have debt?It depends on the rate. High-interest debt like credit cards, anything in the ...
10/12/2026

How do I balance risk if I also have debt?

It depends on the rate. High-interest debt like credit cards, anything in the 7-8% range or above should be paid down first. That's a guaranteed return. But a 4% student loan or a low fixed-rate mortgage? That's a different conversation. At those rates, your money might actually do more work invested than sitting in an extra loan payment. Someone with a 4% student loan and steady income could reasonably split that extra cash (some to the loan, some to investing) and make real progress on both. The goal isn't perfection. It's putting your dollars where they do the most good without adding more stress than you started with.

10/07/2026

A lot of people spend their whole working life saving diligently, only to feel guilty spending that money once retirement actually arrives. The truth is, retirement savings exist specifically to support the life you envisioned, not to sit untouched. That means intentionally budgeting for things like travel, hobbies, or family time, rather than treating them as afterthoughts. When lifestyle goals are built directly into the financial plan from the start, spending feels purposeful instead of anxiety inducing. Retirement isn't just about survival, it's about designing a life that reflects years of hard work and careful planning.

One of the most debated retirement questions is whether to pay off the mortgage before stepping away from work. There's ...
10/06/2026

One of the most debated retirement questions is whether to pay off the mortgage before stepping away from work. There's no universal right answer here, it really depends on the numbers and how someone feels about debt. Keeping a low interest mortgage while investing elsewhere can sometimes create more long term growth, but for many people, being completely debt free brings a peace of mind that's hard to put a price on. This decision blends math with mindset, and both matter. A good plan accounts for the numbers while also respecting how secure someone wants to feel every single month.

Address

2801 E. Camelback Road, Suite 232
Phoenix, AZ
85016

Opening Hours

Monday 10am - 6pm
Tuesday 10am - 6pm
Wednesday 10am - 6pm
Thursday 10am - 6pm
Friday 10am - 6pm

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