MFAC BLOG

You’ve spent the better part of your career building retirement accounts, growing investments, and accumulating the assets that are supposed to fund the next chapter. But as retirement gets closer, the focus can naturally shift from building wealth to protecting it, coordinating it, and making sure the right people and the right instructions are in place if something happens to you, and that’s what estate planning is really about. According to Caring.com’s 2025 Wills and Esta

Reaching 65 is a milestone worth celebrating. And if you’ve been quietly building up a Health Savings Account (HSA) along the way, it’s also a moment that rewards a little planning — because the way HSAs and Medicare fit together comes down, more than anything, to timing. The stakes are real. Fidelity estimates that a 65-year-old retiring in 2025 may need roughly $172,500 in after-tax savings to cover health care in retirement — and yet about one in five Americans say they’ve

A blog post template displayed on a laptop screen Retiring early is the ultimate financial milestone for many. But before you hand in your resignation, there is one massive hurdle you must clear: health insurance. If you are leaving the workforce before age 65, you are stepping into the “coverage gap”—the period between losing your employer-sponsored health plan and becoming eligible for Medicare. Without an employer subsidizing your premiums, the true cost of healthcare can

A practical framework for tackling the biggest fear in retirement planning If there’s one question that keeps pre-retirees up at night, it’s this: will my money last? It’s not an irrational fear. People are living longer, healthcare costs are rising, and markets don’t move in a straight line. The good news is that outliving your assets isn’t an inevitability — it’s a risk that can be managed, measured, and in many cases, significantly reduced. The key is knowing which questio

The questions you need to answer before you walk out the door Retirement feels like a single moment — the last day of work, the first Monday morning with nowhere to be. But the financial reality is that retirement is a series of interconnected decisions, and most of them need to be made before you leave your employer. Miss one, and it can cost you real money for years. This guide walks through the major issues to consider before you retire, organized into six categories: cash