Scarborough Capital Management
Helping busy people make smarter financial decisions.
August 21, 2026
Most people treat their health savings account like a rainy-day fund for copays and prescriptions — not a retirement account. But new, higher contribution limits for 2026, combined with expanded HSA eligibility rules under the One Big Beautiful Bill Act, have made the HSA one of the most powerful — and most overlooked — tools in the tax code.
August 14, 2026
You spent 40 years building the nest egg. Here’s why letting yourself use it is the harder skill — and how a plan gives you permission. I see it all the time. Someone walks in who did everything right — saved for decades, lived below their means, built a portfolio that comfortably supports the life they want.
July 31, 2026
Most people have a general sense of what they earn. Far fewer have a clear picture of what they spend — and an even smaller number have a real system for connecting the two. That gap is where financial stress lives.
July 24, 2026
Your portfolio doesn’t stay where you put it. Over time, markets move, some investments outperform, others lag, and the allocation you carefully built quietly drifts into something different.
July 17, 2026
Life has a way of throwing financial curveballs — sometimes one after another. A new job, a wedding, a baby, a parent who needs help. Each one comes with a different financial priority, and sometimes they all arrive at once.
June 25, 2026
The GM Salaried Savings Plan is one of the stronger defined contribution plans offered by any major employer. It comes with a broad lineup of investment options, a company match, and — for employees with larger balances — access to Fidelity BrokerageLink®, which opens up a significantly wider investment universe. But many GM employees treat …
June 24, 2026
As you may be reassessing your financial goals and retirement savings to account for inflation, a common place to begin is within your 401(k) plan if your employer offers it. As traditional pensions are not as common, protecting and growing your 401(k) is pertinent for a secure retirement.
June 22, 2026
AT&T employees have access to a comprehensive benefits package — a 401(k) savings plan, a defined benefit pension for many employees, and a range of other retirement programs.
June 17, 2026
When it comes to retirement planning, the math is sobering: the average retired household spends about $5,200 a month, yet the average Social Security benefit as of January 2026 is only $2,074. With many Americans spending 25 to 30 years in retirement, relying on Social Security alone isn’t just difficult—it’s mathematically impossible
June 10, 2026
It usually starts with a single, urgent realization: the cash on hand isn’t enough. Whether it’s the weight of an unexpected funeral, the dream of a first home within reach, or the quiet desperation of a looming foreclosure, the decision to tap into a 401(k) is rarely made lightly.
May 27, 2026
A Health Savings Account (HSA) is just what it sounds like: A savings account you can contribute to and use to pay for qualified medical and dental expenses. But it also offers special tax advantages.
May 25, 2026
General Motors has a long history of offering pension buyouts to both current employees and retirees, including programs large enough to make national news. If GM has offered you a buyout, or you think one may be coming, understanding how to evaluate it is one of the more important financial tasks you’ll face.