Julian Grubbs, Certified Retirement Planning Counselor

10/17/2026

You’ve heard Medicare Parts A, B, C, & D referenced, but what do they mean—and what do they cover? Find out more here:

Medicare is broken down into four specific parts—but what do they mean? This article will help you understand each piece.

10/16/2026

What rate of return would it take to hit your savings goal? Enter your target and timeline, and this calculator will tell you what you'd need to earn.

Work backwards from your savings goal to find the rate of return you'd need to get there.

10/16/2026

Fidelity's 2025 wealth transfer study found that roughly 67 percent of parents age 55 and older have never told their adult children what they will inherit, or whether they will inherit anything at all.

About 33 percent would prefer the kids are kept in the dark about the amount.

Their reasons should feel familiar:
✔️ Worry that a specific number will dampen a child's drive
✔️ Discomfort talking about money at all

The same study found:

Most adult children say they are ready to handle whatever they inherit and would rather shape things while their parents are still around to explain the "why" behind decisions.

Families who have inheritance strategies share some similar habits:

💬 Kids know who the financial professionals are and how to reach them
💬 Everyone knows where the estate documents are
💬 They try to manage any surprises well ahead of time

So, do you tell your children or not?

There's no single right answer here.

Sharing exact numbers isn't necessary, but most families find that a broad discussion can help with priorities and expectations.

10/15/2026

Is there a role for both active and passive investments in your portfolio?

In investments, one great debate asks the question, “Active or Passive Investing: Which Is Better?”

10/15/2026

Health Savings Accounts (HSAs) offer a unique opportunity to align healthcare planning with long-term financial goals.

- Tax-deductible contributions

- Tax-free growth

- Tax-free withdrawals for qualified medical expenses

HSAs can also serve as a strategic component of retirement planning. If you're looking to optimize your financial wellness. Understanding how to leverage your HSA is a smart place to start.



Learn how your HSA fits into your broader financial strategy by visiting our website: https://www.heritageconsultants.com/

10/14/2026

What's the real rate of return on your portfolio? Learn about how inflation plays a factor in your investments. Read more now.

Learn about the role of inflation when considering your portfolio’s rate of return with this helpful article.

10/13/2026

How much could you receive from Social Security? Here’s what to expect.

Calculating your potential Social Security benefit is a three-step process.

10/12/2026

Do you know how long it may take for your investments to double in value?

10/12/2026

It’s National Savings Day! A little saved today is a lot gained tomorrow! Whether it’s a rainy day or a dream vacation spot, your future will thank you.

10/11/2026

Take an inside look into Simplified Employee Pension plans.

For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.