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
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
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
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
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
Aggressive Growth vs Protection of Assets
Balancing growth and protection means segmenting assets by purpose and timeline, reducing market and inflation risk while aligning your portfolio with your retirement goals. ...more
Retirement ,Newsletter &How to Retire on Time
July 08, 2025•1 min read
Checking for Consistency
Like Feynman’s recalculations, aligning your financial, tax, and insurance strategies can prevent costly inefficiencies. A coordinated team can help optimize your retirement plan. ...more
How to Retire on Time
July 01, 2025•2 min read
Is 8% the New Withdrawal Rate in Retirement?
Relying on high past returns to justify an 8% withdrawal rate can be dangerous. History shows market cycles and flat periods can quickly deplete retirement savings. ...more
Retirement ,Newsletter &How to Retire on Time
June 24, 2025•3 min read
Understanding Protection and Guarantees
FDIC, SIPC, and state insurance guarantees protect certain assets, but limits and coverage vary. Use them as safety nets—not reasons to skip due diligence on where you invest. ...more
Retirement ,Newsletter &How to Retire on Time
June 17, 2025•2 min read
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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.