Estate planning isn’t just about documents — it’s about communication. Talking to your children about your health, finances, and long-term plans may feel uncomfortable, but it’s one of the most important steps in protecting your family and preserving peace of mind. At Penny Lane Financial, most of our clients tell us they know estate planning conversations are important. When we host our Will Awareness seminars, the majority of attendees agree that discussing their wishes wit

Planning for retirement doesn’t stop when you reach your last day of work. In fact, one of the most important aspects of retirement is knowing where your income will come from—and how to manage it wisely. While everyone’s situation is unique, most retirees draw from a combination of income sources. Understanding these can help you feel more confident and in control of your financial future. Social Security Benefits For many Americans, Social Security provides a foundational i

Life gets expensive fast, and lately, it’s happening even faster. From grocery bills to gas, prices keep shifting, and so do our routines. Creating a solid, flexible budget has never been more important, especially if you're thinking long-term about retirement. Financial experts agree: a budget that works in 2025 needs to protect your future, not just cover your monthly bills. This is where inflation-protected annuities come into play. Understanding Your Budget Challenges It’