Paladin Advisor Group

09/26/2026

Your first year of teaching is about a lot more than retirement.

But there’s one reason it can be smart to think about it now: time is one of your biggest advantages when saving for the future.

If you’re a new HCPSS teacher, you may have questions about your 403(b), how much to put away each paycheck and how your retirement savings will work with your pension.

You don’t need to figure it all out at once.

We created a straightforward guide to help new HCPSS teachers understand where to begin and make a plan that fits their current budget.

Take a look: https://www.paladinadvisorgroup.com/hcpss-new-teacher-retirement-how-to-start-your-403b-and-how-much-to-save-per-paycheck

New to Howard County Public Schools? Learn how your MSRPS pension and 403(b) plan work together, and how much new HCPSS teachers may want to save each paycheck.

09/24/2026

What if leaving a legacy meant more than passing down assets?

For families who have spent decades building wealth, one of the most important things they can pass on is the knowledge to manage it responsibly.

That can mean teaching children and grandchildren about saving, investing, giving, spending and making thoughtful financial decisions long before they inherit anything.

Because a well-designed estate plan can transfer wealth. It can’t prepare someone to steward it.

Our latest article explores how families can start those conversations and help the next generation become responsible stewards of family wealth.

Read the full article: https://www.paladinadvisorgroup.com/teaching-heirs-to-steward-family-wealth

Preparing heirs to steward family wealth takes more than estate documents alone. See how families build strong financial literacy into wealth transfer planning.

09/23/2026

🍎 New CCPS teacher? Don’t overlook your retirement savings.

Starting your teaching career comes with plenty of new decisions, and figuring out your retirement benefits can feel overwhelming.

Your CCPS pension is an important foundation. A 403(b) can help you build additional retirement savings alongside it.

But how much should you contribute? And where do you even start?

We put together a simple guide for new Calvert County Public Schools teachers covering how to start a 403(b), how much to consider saving from each paycheck and how supplemental savings can fit alongside your pension.

You don’t need to have your entire retirement plan figured out today. Starting with the right information is a great first step.

Read the guide: https://www.paladinadvisorgroup.com/calvert-county-ccps-new-teacher-retirement-how-to-start-your-403b-and-how-much-to-save-per-paycheck

New to Calvert County Public Schools? Learn how your MSRPS pension and 403(b) plan work together, and how much new CCPS teachers may want to save each paycheck.

09/22/2026

What happens when someone names you as the executor of their estate?

And how is that different from being a trustee, beneficiary, or power of attorney?

These roles are often treated as interchangeable, but they aren’t. Each comes with different responsibilities, timelines and decisions.

I’ve seen how much easier estate planning can be when everyone understands their role before they’re suddenly expected to act.

That’s the focus of my latest article. I break down the five key roles in an estate plan, how they work together, and what to consider when deciding who should fill each one.

It’s worth reviewing, especially if your family’s financial life has become more complex or your estate plan hasn’t been revisited in a while.

Read the full article: https://www.paladinadvisorgroup.com/estate-planning-roles-explained-who-does-what

Learn what beneficiaries, executors, trustees, and powers of attorney do, and how families decide who should take on each role in a well-coordinated estate plan.

09/18/2026

As your wealth grows, the financial decisions you make become more connected.

Selling a business can affect your retirement plan.

Helping your children can affect your estate plan.

The timing of retirement can affect your taxes and investment strategy.

And the way you structure your estate can determine how efficiently your wealth passes to the next generation.

This is why we take a comprehensive approach to wealth management at Paladin Advisor Group.

Our job isn’t simply to manage an investment portfolio. It’s to understand how the different pieces of your financial life work together and help you make decisions with the full picture in mind.

We’ve put together a guide explaining what wealth management should include and what Maryland families should consider when choosing an advisor.

Read the full guide: https://www.paladinadvisorgroup.com/what-does-a-wealth-manager-do-guide-for-maryland-families

Wealth management coordinates investments, taxes, and estate planning into one strategy. Here's what the role involves for Maryland families.

09/15/2026

A quick reminder. Women's Retirement Roadmap is coming up on Tuesday, September 15 at 6:00 PM ET.

Toni Whaley covers building retirement assets, managing income through retirement's different phases, and the realities unique to women along the way. Can't make this date? Paladin runs this session every four weeks, so register for whichever one fits.

Register: https://events.zoom.us/ev/Amd6vnPPsN53dAb5zM4CW0GxTuTFAfL55tAyCQHLQp13Gjf0h_Oz~AoFtJtVEuIYDmuSApvKeq28LVrxZfvdcdHbarWVSXH_gXxCaOkk2w99DJA

09/10/2026

Big financial decisions rarely happen in isolation.

Selling a business. Downsizing your home. Helping a child purchase a home. Supporting an aging parent.

Each decision may make perfect sense on its own, but the timing of those decisions can have a significant impact on your taxes, cash flow, Medicare costs and long-term financial plan.

A little coordination upfront can go a long way.

Our latest article looks at how Maryland families can think about the timing of major financial decisions and make sure each piece fits into the bigger picture.

Read the full article: https://www.paladinadvisorgroup.com/sequencing-big-retirement-decisions-homes-businesses-and-family-support

Selling a business, downsizing a home, and supporting family at once can raise taxes and Medicare costs. Learn how sequencing these decisions may help.

09/09/2026

Tomorrow Mike Whaley, CFP®️, will be walking PGCPS, HCPSS, WCPS, and CCPS employees through how their Maryland pension is calculated, their survivor benefit choices, and how retirement eligibility works under their specific plan.

Free. Educational. Seats are limited.

Thursday, September 10, 7:00 PM ET.
Register: https://events.zoom.us/e/view/d6wrq3G4QgSrXc4BC44_fw

09/08/2026

Who is this webinar for? Women approaching retirement, women managing their finances solo after losing a spouse, and anyone who wants a clearer picture of how their financial decisions today connect to their future.

Toni Whaley of Paladin Advisor Group covers the building years, the retirement years, and the realities unique to women on September 15 at 6:00 PM ET. It's free, and it's educational — no personalized advice given during the session itself.

Register: https://events.zoom.us/ev/Amd6vnPPsN53dAb5zM4CW0GxTuTFAfL55tAyCQHLQp13Gjf0h_Oz~AoFtJtVEuIYDmuSApvKeq28LVrxZfvdcdHbarWVSXH_gXxCaOkk2w99DJA

09/03/2026

How is your Maryland pension actually calculated? What happens to it if you pass away before your spouse? How does it work alongside Social Security?

These are three of the questions Mike Whaley, CFP®️, will walk through on September 10 for PGCPS, HCPSS, WCPS, and CCPS employees. The Maryland State Retirement and Pension System's formula and survivor options vary by plan, and this session breaks down what applies to yours.

Educational only. No products discussed.

Thursday, September 10, 7:00 PM ET.
Register: https://events.zoom.us/e/view/d6wrq3G4QgSrXc4BC44_fw