How to Plan Your Retirement

Whether you’re close to retirement or already there, it is crucial to evaluate your plan and make adjustments based on evolving financial conditions. For example, as you approach retirement, it’s a good idea to pay off your mortgage and reduce credit card debt. Doing so can help you minimize the amount of your retirement income that goes to paying interest—a major drain on your savings. Go here ex-ponent.com

Similarly, it’s important to reevaluate your spending plan. If you’re still working, increasing your contribution to a company-sponsored 401(k) or an individual retirement account (IRA) is a great way to increase the size of your nest egg. If you’re already retired, every dollar you spend is a dollar you can’t invest—and it could potentially shorten the life of your savings.

What Sets Exponent Financial Advisors Apart in the Ottawa Market

A robust retirement planning process should address the changing landscape of costs in retirement, including future healthcare expenses and inflation. In addition, it’s a good time to consider estate planning and ways to transfer your wealth to beneficiaries tax efficiently.

It’s also a good idea to shift your investment strategy into a more conservative mix of assets, such as Treasury bills. This can help reduce the risk of market downturns that could strain your portfolio. At this stage, you may also want to consider a low-cost fixed annuity to generate a steady stream of income in retirement.

Full Funnel Optimization – How Smart Marketers Optimize the Full Funnel

The customer journey doesn’t change, even when your audience is searching for answers on their laptops, phones or holographic interfaces. Whether they’re in the middle of their research or are ready to convert, a successful marketing strategy focuses on nurturing leads through the full funnel and converting them at each point of entry. This is known as Full Funnel Optimization and is what differentiates smart marketers from the rest. URL conversionteam.com

Top of the Funnel (TOFU)

This stage is all about awareness, reaching new prospects and generating interest in your product or brand. TOFU tactics include content marketing, email campaigns and social media advertising.

Middle of the Funnel (MOFU)

The MOFU phase is when potential customers start looking into how your product or service could solve their problems and help them reach their goals. Your goal is to show them that your solution works and would be a great fit for their needs. This is where case studies and product demonstrations come in handy.

Bottom of the Funnel (BOFU)

Once a prospective customer has entered the BOFU stage, they’re close to making a purchase and need that final push to complete the conversion. This is where strategic BOFU messaging comes in, such as offering a limited-time discount or a free gift to encourage them to act now.

Auckland Property Expert

Auckland property expert  a population of over 1.5 million people, Auckland is home to a diverse property market. The city’s growing economy, high immigration levels and lack of affordable housing make it a popular place for investors to invest their money.

Whether you’re buying or selling, our team is here to help you every step of the way. We have experts in investment sales, office leasing, industrial and commercial management, development advisory, valuations and research.

After graduating Kate joined a large national law firm, twice named New Zealand Law Firm of the Year, and gained broad experience in commercial/business property matters, including acquisitions and divestments, subdivision work and leasing for a number of larger corporations. She has also worked as in-house legal counsel for a large property syndicator, and advised a number of small businesses on their leasing, property and related financial transactions.

Rodney Property Market

In the last 24 months, house prices in Rodney grew at the fastest rate in Silverdale and at the slowest pace in Waimauku.

The redder the area – the faster house prices have grown.

This map shows a breakdown of the districts within the Auckland region that are most over- or under-valued based on median house prices (REINZ, Feb 2025).

Choosing a Military Real Estate Agent

Military homebuyers face a unique set of circumstances and challenges when buying a new house. A knowledgeable Military Real Estate Agent who understands the process and the complexities of purchasing a home with a VA loan is vital. Retired Navy Captain Eric Gardner launched his real estate career to help active duty and veteran families find stability in homes and build wealth through property ownership. His personal experience fuels his passion – he received 13 permanent change of station (PCS) orders during his military career, moving on a moment’s notice.

Having the right real estate agent to guide buyers through the process is crucial for service members, says retired Marine 1st Sgt. Duan Rockette. He recommends a professional who is certified through the Military Residential Specialist (MilRES) program, which educates agents on the specific needs of the military community. This includes factors like housing allowances, PCSing considerations, and application processes for mortgages backed by the Department of Veterans Affairs.

Finding a Home: The Role of a Military Real Estate Agent

When assessing an agent, military families look for someone who can provide insights into local neighborhoods and schools, commute times and future resale value. They also want an agent who communicates effectively – either in person, by phone, text or email. A strong communication strategy is particularly important for those serving overseas, explains Rockette.

In addition to the military-specific credentials, many agencies and brokerages work with specialized networks that serve the military community. The MilHousing Network, for example, has more than 3,000 prescreened real estate and mortgage professionals across the country who specialize in working with military homebuyers and sellers.