For much of the past two years, interest rates have been high — giving savers something they haven’t seen in a long time: meaningful yield on cash, CDs, and bonds. But that era is likely coming to an end. Over the next year, interest rates are expected to move lower as inflation stabilizes, economic growth moderates, and the Federal Reserve looks to support a softer landing.

Artificial Intelligence (AI) is everywhere—streamlining tasks, automating processes, and reshaping industries. Headlines often sound alarming: “AI Could Replace Millions of Jobs” or “Your Career Is at Risk from AI.” But what does this mean for your financial future and retirement planning? Let’s break it down.

The term fiduciary simply means the advisor is legally obligated to put your best interests ahead of their own. Sounds great, right? The problem is that “fiduciary” has become a buzzword—a label many advisors use to build trust, but one that doesn’t always tell the whole story.