Most people assume that if an aging parent can’t afford long-term care, Medicaid will eventually step in. But as this article explains, old “filial responsibility” laws still on the books in many states can create unexpected financial exposure for adult […]
News & Commentary
The 4% rule is a popular starting point for retirement planning, but it doesn’t always reflect the way people actually spend in retirement. This article takes a deeper look at how to think beyond that single guideline and determine a […]
For many solo business owners, the day-to-day demands of running a practice leave little time to think about an eventual transition. But as this article points out, having a plan for how you’ll one day exit can be one of […]
Planning for incapacity is one of the most overlooked parts of a financial plan, yet it’s often the one that makes the biggest difference when someone can no longer manage their own affairs. This article highlights how a revocable living […]
529 plans have always been a powerful tool for education savings, but recent rule changes have made them even more flexible for families. This article walks through how the SECURE 2.0 Act now allows unused 529 funds to be rolled […]
Planning ahead is important for everyone, but it becomes especially critical for individuals who don’t have nearby family members to step in if help is needed. This article walks through the key documents and decisions that single adults — and […]
The question of whether to use retirement savings to pay off a mortgage comes up often, and it’s understandable why. Reducing debt before retirement feels appealing, especially when monthly cash flow becomes a bigger focus. This article walks through the […]
A Game Changer in Various Industries Artificial intelligence (AI) tools have become a game changer in various industries, and they are also proving incredibly useful for retirees looking to start consulting or a small business venture. These tools can simplify […]
Creating a lasting family legacy takes more than good financial planning — it requires communication, shared values, and a sense of purpose that carries across generations. This article offers a thoughtful look at how families can approach wealth in a […]
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Cayucos Wealth is a financial adviser based in the Central Coast of California whose mission is to guide clients in building a strong financial future that withstands the winds of change. For those seeking to navigate the sometimes-choppy waters of the markets, they make it possible for clients to catch the trade winds and live an adventurous retirement.
Cayucos Wealth is an investment adviser located in Cayucos, CA. This website should not be construed as a solicitation to effect, or attempt to effect, transactions in securities or the rendering of personalized investment or tax advice for compensation, over the internet. Advisory services offered through Sowell Management, a Registered Investment Advisor. Additional information about Sowell Management (CRD# 127145/SEC# 801-63991) is available on the SEC’s website at www.adviserinfo.sec.gov or FINRA’s BrokerCheck at https://brokercheck.finra.org/.
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4 Tips for Aging in Place
Aging in place is a goal many retirees share, and this article offers a thoughtful look at what it really takes to make that possible. It emphasizes that staying in your home isn’t just about comfort and familiarity — it’s […]