Artificial Intelligence (AI) is transforming industries around the globe, and financial services is no exception. While the headlines often focus on AI for market timing or investment selection, our approach is grounded in something different: leveraging AI to enhance how we serve our clients, not to replace sound investment judgment. At our firm, we believe […]
Anyone who knows me knows how much I love to play music. Recently, a few friends have started learning guitar, and I keep hearing the same thing: “Yeah, it’s great—but I can’t get past the same few chords. It’s harder than it looks.” I get it. I remember my own start — not with a […]
For decades, the logic of retirement saving has been simple: defer taxes today, worry about them tomorrow. But beginning in 2026, that calculation changes for a very specific group of Americans — workers over 50 earning more than $150,000 a year. Imagine Susan, a 55-year-old doctor. She’s always maxed out her 401(k), relying on the […]
Retirement accounts like IRAs and 401(k)s can be among the most tax-efficient assets to donate to charity. But how you designate your charitable beneficiaries matters. A simple, strategic approach is to name a Schwab Charitable Donor-Advised Fund (DAF)—even a zero-balance DAF—as the beneficiary of your retirement account. Here’s why this method is both impactful and […]
Whether you’re relocating for a new job, a better lifestyle, or retirement, moving to a new home and community is a major life transition, and like any big change, it brings both excitement and uncertainty. At RTD, we’ve helped many clients navigate this shift with clarity and confidence. The key? Planning holistically, not just for […]
When it comes to investing, it’s natural to focus on performance. After all, results are what we see on statements, headlines, and financial apps. But at RTD, we believe that long-term success is rooted not in chasing results, but in trusting a sound investment process. Short-term performance is often unpredictable and influenced by factors like […]
At RTD Financial, we believe that financial wellness extends far beyond numbers. It is about living a life rooted in meaning, security, and strong relationships. This quarter, we are reflecting on a theme that feels especially timely: Community and Connection. These two elements often play a quiet, but powerful role in shaping our financial decisions. […]
It’s a scenario that we see often: A family matriarch or patriarch bought a vacation property years ago. Over time, the property has significantly appreciated in value. Now, as they look ahead, the current owners want to pass that property on to their children. This is where things can get complicated. The children often find […]
Life rarely unfolds exactly as we expect it to. Careers shift, families grow, opportunities arise—and sometimes, challenges do too. A strong financial foundation and a flexible plan can make all the difference. Take Colin and Erin, a couple I’ve had the privilege of working with for the past five years. Their journey is one of […]