For those who enjoy their research…
Articles & Press
Read our articles, some written for other publications, others written exclusively for the Kedrec audience.
Portfolio Ingredients
Like baking cookies, a balanced portfolio needs all the right ingredients. Stable assets may not excite, but they help preserve wealth and smooth market volatility in retirement. ...more
Retirement ,Newsletter &How to Retire on Time
August 12, 2025•2 min read
Stocks vs. Indexes
Individual stock performance varies widely—over half never recover from declines. Thoughtful diversification, not random stock picking, can help manage risk and capture market growth. ...more
Retirement ,Newsletter &The Market with Context
August 07, 2025•1 min read
Retirement Stress Test
A market downturn early in retirement can derail plans. Stress testing your portfolio now can help ensure income stability and preserve your lifestyle through any market cycle. ...more
Retirement ,Newsletter &How to Retire on Time
August 05, 2025•3 min read
Interesting Market Pattern
Shiller’s CAPE metric shows that high market valuations often precede long flat periods. Focus on quality investments and long-term planning, not market timing. ...more
Retirement ,Newsletter &The Market with Context
July 31, 2025•2 min read
Clarifications on the One Big Beautiful Bill
The One Big Beautiful Bill brings new senior deductions, phased benefits, and HSA changes, but Social Security taxes remain unchanged. Review your tax strategy to maximize opportunities. ...more
Retirement ,Newsletter &How to Retire on Time
July 29, 2025•3 min read
A Lesson in Investments
Short-term volatility can be misleading. Focusing on quality companies and long-term fundamentals helps investors navigate market swings without making reactive decisions. ...more
Retirement ,Newsletter &The Market with Context
July 24, 2025•2 min read
The Warren Buffett Secret
Warren Buffett’s success shows the power of holding quality companies, avoiding unnecessary complexity, and focusing on long-term fundamentals over market hype. ...more
Retirement ,Newsletter &How to Retire on Time
July 22, 2025•2 min read
The Fed’s Dilemma
The Fed faces a tough choice: cut rates to spur growth but risk inflation and a weaker dollar, or keep rates higher to protect the dollar but slow the economy. ...more
Retirement ,Newsletter &The Market with Context
July 17, 2025•2 min read
Clarification on Social Security Benefits
Social Security is not tax-free, but new senior deductions under the OBBB may reduce or eliminate taxes for more retirees. Planning can help maximize these benefits. ...more
Retirement ,Newsletter &How to Retire on Time
July 15, 2025•3 min read
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HOW TO RETIRE ON TIME
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This content on this website is provided for informational purposes only and is not intended to serve as the basis for financial decisions. It should not be construed as investment advice or a recommendation.
Investment advisory services are offered through Kedrec, LLC, a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC. We are not affiliated with the US government or any governmental agency.
Investing involves risk, including possible loss of principal. No investment strategy can guarantee success, ensure a profit or guarantee against losses. Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.
Insurance and annuity products involve fees and charges, including potential surrender penalties. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% federal penalty before age 59-1/2. Life insurance generally requires medical and potentially financial underwriting to qualify for coverage. Optional features and riders may entail additional annual cost. Product and feature availability may vary by state.
Tax, legal and estate planning services are available only to members who purchase the Fresh Wealth Plan Membership level. Tax, legal and estate services provided by our network of tax and legal professionals. Always consult with qualified tax/legal advisors regarding your unique circumstances.
This content on this website is provided for informational purposes only and is not intended to serve as the basis for financial decisions. It should not be construed as investment advice or a recommendation.
Investment advisory services are offered through Kedrec, LLC, a Kansas state Registered Investment Advisor. Insurance products and services are offered through its affiliate, Kedrec Legacy, LLC. We are not affiliated with the US government or any governmental agency.
Investing involves risk, including possible loss of principal. No investment strategy can guarantee success, ensure a profit or guarantee against losses. Insurance product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company.
Insurance and annuity products involve fees and charges, including potential surrender penalties. Annuity withdrawals are subject to ordinary income taxes and potentially a 10% federal penalty before age 59-1/2. Life insurance generally requires medical and potentially financial underwriting to qualify for coverage. Optional features and riders may entail additional annual cost. Product and feature availability may vary by state.
Tax, legal and estate planning services are available only to members who purchase the Fresh Wealth Plan Membership level. Tax, legal and estate services provided by our network of tax and legal professionals. Always consult with qualified tax/legal advisors regarding your unique circumstances.