Generated by All in One SEO v4.9.5, this is an llms.txt file, used by LLMs to index the site. # Caviness Wealth Management Caviness ## Sitemaps - [XML Sitemap](https://cavinesswealth.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [Resources](https://cavinesswealth.com/resources/) - [10 Signs It’s Time to Retire](https://cavinesswealth.com/10-signs-its-time-to-retire/) - How do you decide when to retire? Making that leap out of the workforce and into your retirement isn’t a decision that should be taken lightly or made for the wrong reasons. While a bad day at work or seeing someone else’s vacation photos on Facebook can give you trigger finger, it’s best to take a thorough approach to this major life transition. - [Financial Pitfalls to Avoid in the Years Leading Up to Retirement](https://cavinesswealth.com/financial-pitfalls-to-avoid-in-the-years-leading-up-to-retirement/) - Today, with people living 25 or more years in retirement, there is no room for error. The mistakes people make leading up to retirement can be challenging to overcome if not caught early. Avoiding these common retirement planning mistakes is crucial if you are going to have any chance at lifelong financial security. - [Elections + Your Investments](https://cavinesswealth.com/elections-your-investments/) - Over the last week, I’ve had a lot of questions coming in about the elections; and specifically, what effect the results will have on the market. Will the markets crash based upon which candidate wins? Does it really matter which political party occupies 1600 Pennsylvania? Most people tend to believe that stocks tend to do - [You’ve Earned a Great Retirement—Now Make Sure It Works for You](https://cavinesswealth.com/youve-earned-a-great-retirement-now-make-sure-it-works-for-you/) - You spent your life doing what most people won’t.You showed up early. Stayed late. Made smart decisions and built a life with intention. Now, you’re standing on the edge of retirement—and it should feel like freedom. But for many successful professionals, this next chapter comes with a heavy question: “Did I do enough to make - [You Push the Limits of What’s Possible—Don’t Let Money Hold You Back](https://cavinesswealth.com/you-push-the-limits-of-whats-possible-dont-let-money-hold-you-back/) - You’ve built a life that few can keep up with. You lead. You deliver. You’re running a business, scaling a career, raising a family—or all three. You’ve earned the right to chase bold goals and create a meaningful life. But here’s the problem: success comes with complexity.And financial complexity—if left unmanaged—can quietly erode the life - [The Real Cost of Doing It Yourself: When Delegating Your Finances Pays Off By David Caviness, CFP®](https://cavinesswealth.com/the-real-cost-of-doing-it-yourself-when-delegating-your-finances-pays-off-by-david-caviness-cfp/) - For many high achievers, the instinct to figure things out alone is second nature. You built your career on self-reliance. You’ve solved complex problems, led teams, and made big decisions under pressure. So when it comes to managing your finances, the thought might be: Why would I pay someone to do what I could do - [Why Smart People Still Get Retirement Buckets Wrong By David Caviness, CFP®](https://cavinesswealth.com/why-smart-people-still-get-retirement-buckets-wrong/) - If you’re a high achiever, chances are you’ve been disciplined about saving for retirement. You max out your 401(k), contribute to an IRA when you can, and maybe even have a taxable brokerage account on the side. You're doing the responsible thing. But here’s the problem I see over and over again—even among very smart, - [Stop Stuffing Your 401(k): How ‘Filling the Buckets Right’ Can Buy You Freedom](https://cavinesswealth.com/stop-stuffing-your-401k-how-filling-the-buckets-right-can-buy-you-freedom/) - By David Caviness, CFP® – because money should propel you, never restrain you. The Accumulation Trap Ever feel cash‑strapped even though your net worth screams “millionaire”? You spot a can’t‑miss investment or dream vacation—but the cash isn’t there. Required Minimum Distributions ambush you with a tax bill bigger than your first salary. Every swipe of the - [Should You Pay off Your Mortgage for Retirement or Keep Your Cash Working?](https://cavinesswealth.com/should-you-pay-off-your-mortgage-for-retirement-or-keep-your-cash-working/) - A ‘Buy‑Back‑Your‑Bandwidth’ Decision Guide The Midnight Question The call usually starts the same way: “David, I’m thinking about borrowing from my IRA to wipe out the mortgage—sound smart?” Behind that question is fatigue. Debt feels heavy; cashing out feels liberating. Yet the numbers—and the future you’re buying into—tell a different story. The Hidden Tax Price - [Retirement: When Is It Time to Plan?](https://cavinesswealth.com/retirement-when-is-it-time-to-plan/) - Planning for an independent retirement is a process that evolves over time. Whether you're creating a new retirement plan or reassessing your existing retirement needs, understanding when to seek the expertise of a CERTIFIED FINANCIAL PLANNER® is important. Summary: When You Should Initiate a New Retirement Plan: Starting your career or with a new employer - [How Much Money Do You Need to Retire?](https://cavinesswealth.com/how-much-money-do-you-need-to-retire/) - Planning for retirement can be overwhelming, but addressing key questions can pave the way for an independent and fulfilling future. The three most common retirement planning questions we get asked are: How much money do I need to retire comfortably? When should I start taking Social Security benefits? What are the best ways to save - [Can I Make a Deductible IRA Contribution?](https://cavinesswealth.com/can-i-make-a-deductible-ira-contribution/) - Navigating the world of retirement planning can be complex, and one question we frequently encounter is whether you can make a deductible IRA contribution. At Caviness Wealth, I believe that understanding your options is the first step toward building a better financial future. In this article, I break down what a deductible IRA contribution is, - [Retirement Planning for Dummies, Part 1: Back to the Basics of Retirement Planning](https://cavinesswealth.com/retirement-planning-for-dummies-part-1-back-to-the-basics-of-retirement-planning/) - Retirement Planning for Dummies, Part 1: Back to the Basics of Retirement Planning Do you feel good about your future, or does retirement planning make you feel like you’re in over your head? Wealth management can be time-consuming and confusing, but it doesn’t have to be. I’m here to help you take control of your - [Retirement Planning For Dummies, Part 2: Most Common Retirement Planning Mistakes and How to Avoid Them](https://cavinesswealth.com/retirement-planning-for-dummies-part-2-most-common-retirement-planning-mistakes-and-how-to-avoid-them/) - Retirement Planning For Dummies, Part 2: Most Common Retirement Planning Mistakes and How to Avoid Them Once you’ve mastered the basics of retirement planning read Retirement Planning For Dummies Part 1, it’s time to dig a little deeper into what not to do. Many people make financial decisions that can jeopardize their retirement years. Instead - [What Retirement Looks Like In America: Overcoming Challenges for Women](https://cavinesswealth.com/what-retirement-looks-like-in-america-overcoming-challenges-for-women/) - What Retirement Looks Like In America: Overcoming Challenges for Women Retirement in America is a complex landscape. Americans are living longer, which means your retirement strategy requires careful planning and informed decision-making now more than ever. The fear of running out of funds during retirement means the average retirement age has shifted. In just the - [What Retirement Looks Like: The Types Of Plans Available](https://cavinesswealth.com/what-retirement-looks-like-thetypes-ofplans-available/) - What Retirement Looks Like: The Types Of Plans Available Planning and getting ready for retirement is a big step that needs attention. Whether you want to join a retirement community, buy a vacation home, or catch up on golf, it’s exciting to imagine how you want your retirement years to look. Before you map out - [The Unexpected Reasons Retirees Run Out of Money](https://cavinesswealth.com/the-unexpected-reasons-retirees-run-out-of-money/) - The Unexpected Reasons Retirees Run Out of Money Retirement should be the golden years—a time to enjoy the fruits of decades of hard work and disciplined financial planning. Yet, many retirees face a harsh reality: their carefully constructed nest egg doesn’t last as long as they had hoped. It’s easy to think that the key - [Cutting Out the Noise: How Often Should You Review Your Investments?](https://cavinesswealth.com/cutting-out-the-noise-how-often-should-you-review-your-investments/) - Cutting Out the Noise: How Often Should You Review Your Investments? Investing can be an emotional rollercoaster. With the 24/7 news cycle and constant updates on market performance, it’s easy to get swept up in the day-to-day noise. As a CERTIFIED FINANCIAL PLANNER™ serving Dallas, TX, I often remind my clients that making decisions based - [Investing Is Simple, But Not Easy: When It's Time to Hire a Financial Planner](https://cavinesswealth.com/investing-is-simple-but-not-easy-when-its-time-to-hire-a-financial-planner/) - At Caviness Wealth Management, we take a hands-on approach by customizing a sound investment strategy and a formal financial plan to match your unique needs. - [How to Balance Career, Family, and Finances: Tips from a CERTIFIED FINANCIAL PLANNER™](https://cavinesswealth.com/how-to-balance-career-family-and-finances-tips-from-a-certified-financial-planner/) - Caviness Wealth Management mission is to empower professionals like you to strive for financial autonomy while growing their wealth for future generations. - [How to Focus On the Things You Can Control in Life and Finances](https://cavinesswealth.com/how-to-focus-on-the-things-you-can-control-in-life-and-finances/) - We live in uncertain times. The pandemic has fueled challenges in all aspects of life, including family dynamics, health, finances, and societal stability. With the wide range of concerns you may be confronted with, it’s tempting to get swept up in the frenzy, scrambling to control all of the variables, only to realize that there - [Open Enrollment Coming Up? Now is a Good Time to Review Your 401(k) Investments. Here's How](https://cavinesswealth.com/open-enrollment-coming-up-now-is-a-good-time-to-review-your-401k-investments-heres-how/) - If it’s been a while since you’ve reviewed your investments, open enrollment is the perfect time to review your 401(k) investments. - [4 Reasons ‘Work Optional’ Can Lead to a More Fulfilling Early Retirement](https://cavinesswealth.com/work-optional/) - We’ll examine four reasons why you might want to continue working even if you retire early and opportunities you have when living a financialy independent life. - [How to Balance Wealth-Building Strategies and Short-term Financial Goals](https://cavinesswealth.com/how-to-balance-wealth-building-strategies-and-short-term-financial-goals/) - We help numerous clients map out their financial goals so they can start saving strategically. By putting in a few key strategies, your money can work for you. - [How to Create a Simple Holiday Budget For a More Peaceful Christmas Season](https://cavinesswealth.com/how-to-create-a-simple-holiday-budget-for-a-more-peaceful-christmas-season/) - Here at Caviness Wealth Management learn how to create a simple holiday budget for a more peaceful Christmas season. Be mindful of your spending this holiday. - [What You Can Expect When You Work With Caviness Wealth Management](https://cavinesswealth.com/what-you-can-expect-when-you-work-with-caviness-wealth-management/) - As a CERTIFIED FINANCIAL PLANNER®, my greatest motivation is to help my clients reach their goals. When starting a new relationship, we make it clear that financial planning and wealth management strategies are not just about achieving numerical goals, but about how those numerical goals will help you realize your lifestyle and life’s worth goals. - [The Most Important Question to ask your Financial Advisor](https://cavinesswealth.com/financial-advisor/) - If you’ve ever been on the hunt for a financial advisor, you’ve probably seen the “10 Questions to ask a Financial Advisor.” We’ve all pushed content about it and they’re nearly all identical in substance. Questions such as: “Are you a Fiduciary” “What are your fees” “Qualifications and Experience?” “Are you a CFP® (usually followed - [6 Benefits of Working With a CERTIFIED FINANCIAL PLANNER®](https://cavinesswealth.com/certified-financial-planner/) - Working with a trusted financial professional is one of the most important partnerships you can make. But did you know anyone can call themselves a financial planner, even if they don’t have any financial education or certifications? This is why it’s so important to carefully vet the financial professionals you’re thinking of working with. One - [Traditional Vs. Roth: How to Find the Right Balance if You Want to Retire Early](https://cavinesswealth.com/traditional-vs-roth-how-to-find-the-right-balance-if-you-want-to-retire-early/) - In this article, we discuss how taking advantage of different retirement savings vehicles can help to diversify how and when your retirement income will be taxed. - [Why the Health Savings Account May Just Be the Best Benefit Your Employer Offers](https://cavinesswealth.com/health-savings-account/) - Discover why Health Savings Account (HSA) may be the most valuable benefit your employer offers, providing tax advantages and boosting your financial wellness. - [Is Your Money Working Hard Enough? Here are 7 Ways to Maximize Your Retirement Contributions](https://cavinesswealth.com/is-your-money-working-hard-enough-here-are-7-ways-to-maximize-your-retirement-contributions/) - In this article, explore 7 ways to maximize your retirement contributions and increase your chances of retiring when and how you want. - [Getting Started: The Road Towards Financial Success](https://cavinesswealth.com/getting-started-the-road-towards-financial-success/) - Watch the David Caviness video on how to start the road towards your financial success. Contact Caviness Wealth Management today. - [TRS Rule of 80 Explained](https://cavinesswealth.com/trs-rule-of-80-explained/) - Watch the video on how David Caviness explains the TRS Rule of 80. Contact Caviness Wealth Management for further informations. - [LPL Focus 2019](https://cavinesswealth.com/lpl-focus-2019/) - Watch the video about LPL Focus 2019 at Caviness Wealth Management youtube chanell. - [What I Love About Being a Financial Advisor in Dallas, Texas](https://cavinesswealth.com/what-i-love-about-being-a-financial-advisor-in-dallas-texas/) - Last week, I shared a post celebrating my 20-year anniversary as a financial advisor with LPL Financial. LPL is the company I partner with that provides comprehensive support to myself and my clients. This is an exciting milestone for me for many reasons, and I’m glad to have the opportunity to reflect on my personal and - [OUTLOOK 2017: GAUGING MARKET MILESTONES](https://cavinesswealth.com/outlook-2017-gauging-market-milestones/) - In 2016, financial markets, the economy, and geopolitics experienced an unusual number of milestones. While markets are testing new directions, it’s easy to overemphasize change, putting a spotlight on uncertainty and playing up the worst case scenario. The way to assess the new dynamic is not to ask, “What’s broken?” or “What’s fixed?” but “How - [If it Sounds Too Good to be True... Part 2](https://cavinesswealth.com/if-it-sounds-too-good-to-be-true-part-2/) - When it comes to investing, no words ring truer than the old adage - “If it sounds too good to be true, it probably is.” Back in March, I wrote a post on this very subject. You can read it here This past weekend I happened across this from the Dallas Morning News: A well-known Frisco - [NO TAXES, NO FEES, NO RISK. OH MY…](https://cavinesswealth.com/hello-world/) - Welcome to WordPress. This is your first post. Edit or delete it, then start writing! At some point, you’ve probably received a piece of mail or heard the guy on the radio with the following too-good-to-be-true sales pitch “No Taxes, No Fees, & No Risk”. If you haven’t heard it yet, just wait. You will. This sales - [How to Manage Event Risk and Recover From Life's Financial Curveballs](https://cavinesswealth.com/how-to-manage-event-risk-and-recover-from-lifes-financial-curveballs/) - The possibility of unforeseen financial risks keeps many of us up at night. If you’ve ever been dealt a financial curveball—or you simply live in fear of one—you may be looking for some guidance on how to best prepare for the future or get yourself back on track. The truth is, curveballs will always be - [Here Are the Best New Year’s Money Resolutions to Make in 2022](https://cavinesswealth.com/here-are-the-best-new-years-money-resolutions-to-make-in-2022/) - Although many people feel that New Year’s celebrations are a bit of a letdown after the magic of Christmas, I personally love the New Year holiday. New Year’s Eve and New Year’s Day symbolize a new chapter in our lives and provide us with a landmark by which to measure our progress with our goals. - [Three Steps for a More Sustainable Withdrawal Rate in Retirement](https://cavinesswealth.com/three-steps-for-a-more-sustainable-withdrawal-rate-in-retirement/) - As a financial advisor, one of the most common worries I hear is the fear of outliving your savings. In fact, an AARP survey found that 61% of Americans are worried about running out of money during retirement. This is no surprise, since inflation rates, longevity risk, and unexpected medical needs are unknowns that can - [How Will This Election Affect My Portfolio?](https://cavinesswealth.com/how-will-this-election-affect-my-portfolio/) - Election year is here again, and so are many accompanying questions. I am here to debunk some myths and shed some light on what history can teach us. During election years, it's natural for investors to look for a connection between who wins the White House and which way stocks will go, especially given how - [Who We Help](https://cavinesswealth.com/whowehelp/) - We work with busy corporate professionals and business owners to help them - [Should I Hire A Financial Advisor?](https://cavinesswealth.com/should-i-hire-a-financial-advisor/) - I often hear from new clients that have started working with me that they “wished they would have started this process sooner.” Working with a financial advisor is one of the most significant decisions you’ll make in your financial life, and studies have shown that investors who work with an advisor are generally more confident - [When It’s Time to Seek a Second Opinion](https://cavinesswealth.com/when-its-time-to-seek-a-second-opinion/) - We seek out second opinions in life for just about everything we do – whether we’re making a large purchase, hiring a professional for an upcoming project, or on a more serious note, a medical diagnosis and procedure. But what about inside our own financial lives? When should you seek out a second opinion on - [Stopping Contributions?](https://cavinesswealth.com/stopping-contributions/) - Should we stop our contributions until the market gets better? - [Common Concerns](https://cavinesswealth.com/common-concerns/) - As I think back on the many conversations that we’ve had this year, here are the Top 3 concerns you’ve shared with me this year: • I’ll never make up what’s been lost in the market. How long it will take me to make it back? • How will the political landscape affect the markets? • I - [Longevity Risk in Retirement: Are You in Danger of Outliving Your Money?](https://cavinesswealth.com/longevity-risk-in-retirement-are-you-in-danger-of-outliving-your-money/) - Are you building a retirement nest egg that will last? For some people, that means they’re saving enough to pass wealth to future generations. For others, their nest egg is meant to provide just enough for what they need without having to work another day. But ultimately, most people save for retirement with the hopes - [Increase Your Tax Savings and Grow Your Small Business Retirement Plans](https://cavinesswealth.com/increase-your-tax-savings-and-grow-your-small-business-retirement-plans/) - According to Business Insider, there were 14.9 million self-employed Americans in 2021, up from 12.7 million in 2020. If you’re among the growing number of individuals who are self-employed or own a small business, you may already know that you have several options when choosing your retirement plan. Two of the most common are the SEP-IRA - [Preparing for Tax Season: Take These Steps Now to Make Filing Easier](https://cavinesswealth.com/preparing-for-tax-season-take-these-steps-now-to-make-filing-easier/) - If you tend to put off doing your taxes, you’re not the only one. In fact, as many as 33% of Americans wait until the last minute to file their taxes. But just because it’s a common habit doesn’t mean it’s a good one to have. Doing your taxes well before the deadline can allow you to - [How to Create a Savings Strategy for Your Financial Goals](https://cavinesswealth.com/how-to-create-a-savings-strategy-for-your-financial-goals/) - Saving money to meet your goals isn’t always enough to get to where you want to be—you need a savings strategy to make sure your savings are optimizing your progress toward your goals and working for you, not against you. An optimal savings strategy is one that best suits your unique financial profile. As with most questions - [How to Avoid Taking Bad Financial Advice at the Holiday Dinner Table](https://cavinesswealth.com/how-to-avoid-taking-bad-financial-advice-at-the-holiday-dinner-table/) - Money can be an emotionally charged topic that’s often best avoided at large group gatherings. But every family has that one relative who can’t help themselves from doling out their ‘expert’ opinions on money every time the family sits down at the dinner table. Unfortunately in many households, that relative has a captive audience, even - [A Simple End-of-Year Financial Checklist to Help You Prepare for 2022](https://cavinesswealth.com/a-simple-end-of-year-financial-checklist-to-help-you-prepare-for-2022/) - Thanksgiving and Black Friday are behind you. Your favorite coffee shops and downtown streets are decked in red ribbons and white lights, and the airwaves are filled with classic holiday tunes. There’s a chill in the air. As we approach the Christmas and New Year holidays, it’s a time to reflect on the year past - [If it Sounds Too Good to be True…](https://cavinesswealth.com/if-it-sounds-too-good-to-be-true/) - I had the pleasure of spending 4 hours of quality road time yesterday driving to East Texas for a client meeting. On multiple AM channels, I heard an advertisement for an "investment" that was “like a CD” using words such as "Safe" "Predictable" “Stable”. Here's the kicker. This 1 year investment offers a 9% return. - [When Should You Retire? 6 Signs Early Retirement May Be Right for You](https://cavinesswealth.com/when-should-you-retire-6-signs-early-retirement-may-be-right-for-you/) - Voluntary early retirement is a coveted ambition many people dream of. The chance to spend your days exactly how you want instead of slogging away at a desk until you’re 65 (or older) seems too good to be true. Plenty of families plan to achieve early retirement – and do so successfully – every day. - [Top 7 Disadvantages of Early Retirement and How You Can Overcome Them](https://cavinesswealth.com/top-7-disadvantages-of-early-retirement-and-how-you-can-overcome-them/) - In theory, early retirement sounds like an absolute dream. Save enough money, quit your job in your 50’s or even your early 60’s, and everything should be golden, right? Unfortunately, there are a few disadvantages of early retirement that can be detrimental to your early retirement ambitions if not adequately planned for. Today we’re covering - [5 Strategies Other People Have Used to Achieve Early Retirement](https://cavinesswealth.com/5-strategies-other-people-have-used-to-achieve-early-retirement/) - Picture yourself waking up, pouring a leisurely cup of coffee, and heading out to your back deck to sit in the morning sunshine. Maybe you’ll spend the day finishing a good book, or perhaps you and your spouse will hit the golf course for a bit of exercise. At dinner time, you might cook a - [What Is Early Retirement? 4 Ways Early Retirees Live Their Best Life](https://cavinesswealth.com/what-is-early-retirement-4-ways-early-retirees-live-their-best-life/) - What with business disruptions from the Covid-19 pandemic, high rates of extreme employee burnout, and the increasing popularity of the FIRE community (which stands for Financial Independence, Retire Early), the concept of early retirement is a hot topic in 2021. Although many people in 2020 and 2021 were forced to retire early against their wishes, others are sitting in their office - [Celebrating 20 Years With LPL Financial](https://cavinesswealth.com/20years/) - It’s hard to believe, but this September I’m celebrating my 20-year anniversary as an independent financial advisor with LPL Financial. For those of you who don’t know, LPL Financial is the organization I partner with that provides the excellent range of investment securities and financial products I offer to my clients. LPL also supplies state-of-the-art - [Why Health Insurance Is Such an Important Part of Your Financial Plan](https://cavinesswealth.com/why-health-insurance-is-such-an-important-part-of-your-financial-plan/) - For the past month, we’ve been writing and posting about different aspects of employee benefits packages and how your choices regarding your benefits play an important role in your overall financial circumstances. One of the reasons we’ve been writing about employee benefits this month is that the open enrollment period is quickly approaching for most - [Retirement Distributions Got You Confused? Here's What You Need to Know](https://cavinesswealth.com/retirement-distributions/) - You’ve spent decades carefully funneling money into your 401(k), 403(b), IRA, or some combination of retirement accounts. And you’ve likely enjoyed watching your investments grow at an increasingly exponential rate as compound interest works its magic. Now you’re getting ready to retire, so it’s time to start thinking about how you’ll access the money you’ve - [6 Brilliant Ways to Catch Up on Retirement Savings](https://cavinesswealth.com/6-brilliant-ways-to-catch-up-on-retirement-savings/) - If you’re behind on your retirement savings, you are far from alone. As of 2019, nearly two-thirds of Americans in their 40s had less than $100,000 saved for retirement. Likewise, more than half of Americans in their 50s still had less than $100,000 in retirement accounts. Maybe you’re a lifelong procrastinator. Or maybe you’ve been planning to buckle - [Top 3 Reasons Why People Fall Behind On Retirement Savings](https://cavinesswealth.com/top-3-reasons-why-people-fall-behind-on-retirement-savings/) - It’s no secret that Americans are behind on retirement savings – or at the very least, they feel like they are. According to one survey, 56% of Americans are concerned about their ability to save enough to fund a secure retirement. So if you’re feeling worried about the size of your nest egg, you can - [Why the 4th of July Matters](https://cavinesswealth.com/why-the-4th-of-july-matters/) - The Fourth of July is one of my favorite days of the year. The kids are home for the summer, we get to barbecue, and we always look forward to a night full of fireworks and fun. But the Fourth of July also reminds me how grateful I am to live in the U.S.A. This - [Our Approach to Financial Planning](https://cavinesswealth.com/our-approach-to-financial-planning/) - Do you know you could benefit from financial advice, but not sure how to find the right financial advisor? If so, you’re not alone. There are many types of financial advisors out there – some who specialize solely in investment management, others who sell proprietary products like annuities and life insurance, and still others who - [Why I Became a Financial Advisor](https://cavinesswealth.com/why-i-became-a-financial-advisor/) - Having been in the financial services industry for my entire working life, I often get asked why I became a financial advisor. The truth is, financial advising isn’t for everyone. It can be stressful keeping a constant eye on volatile financial markets and the complex interplay between international economies, especially when those things start to - [What's Your Retirement Number?](https://cavinesswealth.com/whats-your-retirement-number/) - Saving for retirement can feel like you’re running a marathon without knowing where the finish line is. You don’t know exactly how much farther you have to go, but you’re doing everything you can to get there while conserving the energy to enjoy the journey. In other words, you might not know exactly how much - [Advice for Homebuyers](https://cavinesswealth.com/advice-for-homebuyers/) - Whether it's your first time or you're a pro; buying a new home is a huge financial undertaking. The impact a new mortgage can have on your personal financial plan and monthly budget shouldn't go unchecked. Making sure your new home is both affordable and feasible are important to your long-term financial health. We are - [Election 2020...Is Undecided](https://cavinesswealth.com/election-2020-is-undecided/) - The American people have voted, casting a record number of ballots under extraordinary circumstances, which is a testament to the enduring resilience of our democracy. Determining the outcome of our elections is a process, but it usually moves so quickly it barely gets noticed. This year it will take longer, but the process itself hasn’t - [TRS & SOCIAL SECURITY](https://cavinesswealth.com/trs-social-security/) - Q. I’m a teacher and plan on retiring in the next few years. I also have Social Security benefits from various jobs I have worked. I have been told that since I am a teacher I will not be able to collect my Social Security. Is this true? – J.B. in Texas I hear this - [ELECTION DAY](https://cavinesswealth.com/election-day/) - Finally, we made it! The day we’ve all been waiting for. By the end of the day, we’ll either have a new president-elect, a contested outcome or even the possibility of a split electoral. And while the market protagonists are out in full force today, whatever the outcome, there’s one thing I know with near certainty. ## Pages - [Home](https://cavinesswealth.com/) - Expert wealth management in Dallas. Grow your financial future with personalized strategies. 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