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.

Retirement should be the most rewarding chapter of your life — a time when your years of hard work pay off and you finally get to enjoy what you’ve built. Unfortunately, many Americans reach retirement only to find that financial missteps made along the way limit their freedom and peace of mind. Whether you’re 10 years out or already retired, avoiding these common mistakes can make all the difference between “just getting by” and truly dreaming bigger and sleeping better.

Artificial intelligence (AI) has become one of the most powerful and talked-about tools in the investing world. From stock-picking algorithms to robo-advisors that automatically rebalance portfolios, AI is reshaping how investors think about risk, reward, and decision-making. But as AI continues to evolve, a crucial question arises: Should you rely on it to make your financial decisions?