Author

Author: Joshua Goldsmith

Retired couple on beach

When — and How — to Rebalance Your Retirement Portfolio

By Joshua Goldsmith

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.

Why Aren’t You Participating in Your Employer-Sponsored Retirement Plan?

By Joshua Goldsmith

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

close up on tablet with charts and graphs for wealth management

8 Common, Yet Unnecessary Risks Investors Take in Their Financial Plans

By Joshua Goldsmith

As a financial advisor in Annapolis, MD, I’ve helped countless clients make smarter financial decisions that help put them in control of their futures. Likewise, I’ve seen a lot of people make mistakes that added unnecessary risk to their long-term security. 

10 Ways Your Spending Habits Could Be Jeopardizing Your Retirement

By Joshua Goldsmith

Time is one of the most important ingredients in the recipe for a financial plan. Earning and saving money is important, of course, but Father Time can add rocket fuel to good financial habits.