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5 Reasons Women Should Plan for Long-Term Care

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Estate planning beyond a will involves more than just distributing assets—it helps align your entire financial strategy for the future.
Hanson Wealth Management

Why Estate Planning is About More Than Just a Will

When most people think about estate planning, they picture a will—one document that determines how their assets will be passed on. While a will is an important piece of the puzzle, estate planning beyond a will involves a comprehensive strategy that addresses more than just who inherits what. It’s about protecting your financial future, planning for unexpected events, and creating a legacy that reflects your values.  At Hanson Wealth Management, we believe that a well-rounded estate plan can support your overall retirement strategy, especially when paired with forward-looking tax planning principles like those in the Power of Zero approach. 

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Hanson Wealth Management March 1, 2026

The #1 Most Hated Retirement Strategy (That Actually Works)

This episode of The Power of Zero Show sees David McKnight discussing the single most hated retirement strategy in America: annuities. Interestingly enough, annuities are also one of the most powerful tools you can use to protect yourself from the biggest financial risk you face in retirement. Longevity risk, a retirement danger most retirees never fully grasp, is the reason why this topic matters so much. As David explains, “Longevity risk is the risk of living longer than you expected, running out of money before you run out of life.” While some people shrug longevity risk off as a

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David McKnight February 25, 2026

Elon Musk Says Stop Saving for Retirement Because of A.I. (Good Advice?)

David McKnight dissects Elon Musk’s recent claims that, because of AI robotics and automation, the future will have such hyperabundance that ordinary people may no longer need to save for retirement. In Musk’s future, robots are going to do all the work, AI will create prosperity, and society will provide everything you need at a little or no – cost. While David likes Musk’s vision for the future, he doesn’t agree with him on this one. When examined through the lens of economics, government obligations, and retirement realities, Musk’s idea of the future collapses. David identifies five specific reasons

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David McKnight February 18, 2026
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A tax-efficient strategy can help you manage potential future tax hikes. Explore options for protecting retirement savings from tax increases.

Shielding Your Savings: Strategies to Protect Against Future Tax Increases

Many retirees assume that their tax burden will decrease in retirement, but that isn’t always the case. In the context of growing government debt and potential changes in tax policies, some financial analysts suggest that there could be a possibility of tax rate adjustments in the future. If most of your retirement savings are in tax-deferred accounts, those increases could significantly reduce the amount of income available for your expenses.  A well-structured tax plan is essential to protecting retirement savings from tax increases. By taking proactive steps, you can create a more tax-efficient retirement strategy that helps preserve your […]

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With rising costs and evolving risks, traditional retirement income plans may face challenges. Discover alternative strategies for a more adaptable retirement.

Why Traditional Retirement Income Plans May Not Be Enough

For decades, retirement planning has followed a conventional approach: save in tax-deferred accounts, rely on Social Security, and withdraw a fixed percentage annually. However, this strategy may not be enough for today’s retirees. Factors such as increasing longevity, rising healthcare costs, market volatility, and potential tax changes require a more adaptable plan.  Relying solely on traditional retirement income plans can leave gaps in financial security and flexibility. A diversified strategy that incorporates tax efficiency, risk management, and alternative income sources may provide more stability. 

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Tax-free income strategies can help you reduce tax burdens in retirement. Explore ways to start aiming for the 0% tax bracket in retirement today.

The Power of Zero: Aiming for the 0% Tax Bracket in Retirement

Many retirees assume their tax burden will be lower in retirement, but that isn’t always the case. Tax rates fluctuate based on government policy, and if the national debt continues to rise, higher tax rates in the future could impact your retirement income.  Aiming for the 0% tax bracket in retirement means structuring your finances so that your taxable income is low enough to avoid federal income taxes altogether. This strategy can help retirees manage tax risk, maintain control over their income, and extend the life of their savings. 

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Discover five common financial myths from mainstream financial gurus and why a personalized approach may be more effective.

Top 5 Financial Myths Perpetuated by Mainstream Gurus

Mainstream financial gurus have built massive followings by offering simplified, easy-to-digest advice on personal finance, investing, and retirement planning. While their guidance may work for some, it often promotes a one-size-fits-all approach that overlooks critical financial nuances. The truth is, some of the most commonly accepted financial myths from mainstream financial gurus can be misleading—or even harmful—to those with more complex financial needs.  Let’s take a closer look at five financial myths that are widely accepted but don’t always hold up when applied to real-world financial planning. 

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From taxes to healthcare costs, financial risks beyond the stock market can impact your retirement. Learn to create a well-rounded risk management strategy.

Why Risk Isn’t Just About the Stock Market

When most people think about financial risk, they immediately picture the stock market. While market volatility is a significant concern, it’s far from the only factor that can disrupt a retirement plan. Unexpected healthcare costs, tax policy changes, inflation, and longevity risk all pose threats to long-term financial stability.  By focusing only on investment risk, investors may leave themselves exposed to other financial challenges that can erode wealth just as quickly—if not more so—than a downturn in the market. Let’s explore the key financial risks beyond the stock market and strategies to help mitigate them. 

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Generic financial advice overlooks personal factors—learn why personalized financial planning strategies may provide a more tailored approach to your future.

Why Personalized Financial Planning Outperforms Generic Advice

Financial planning is not a one-size-fits-all process. Yet, many investors rely on generic advice that may not align with their specific goals, risk tolerance, or tax situation. While broad financial guidelines can provide a starting point, they often fail to address the nuances of individual circumstances. Personalized financial planning strategies focus on aligning financial decisions with an investor’s unique needs, providing a tailored approach to managing wealth. 

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