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Financial decisions rarely happen in isolation.

Our Financial Insights hub is designed to help individuals and families think more clearly about the interconnected decisions that shape long-term financial life — including retirement, taxes, investing, equity compensation, estate planning, and major life transitions.

We share perspectives drawn from real planning conversations, helping high earners, professionals, and retirees navigate complexity with greater clarity, structure, and confidence.

Friday, August 14, 2026

Most people associate interest rates with mortgages and the housing market. But recent swings in rates have an impact on more than just buying a home. Interest rate cycles tend to move in phases. Sometimes those cycles can feel more...

Friday, August 14, 2026

Cash can feel like one of the safest parts of your financial picture, but there’s a point at which playing it safe can come at a cost. While having cash on hand is essential for unexpected expenses, career changes, major purchases,...

Monday, July 27, 2026

Six months into the year, most investors glance at their statements, notice the change in value, and move on. However, a mid-year review offers the chance to ask important questions that reveal whether your financial plan still fits...

Friday, July 24, 2026

Tariffs, trade wars, rate hikes, inflation, global conflict, rising oil prices, AI valuations, layoffs. The last few years have seen market volatility become the norm. Some of it has been driven by a global market experiencing...

Monday, July 13, 2026

A midyear financial check-in helps you review your financial goals, evaluate cash flow, savings, debt, retirement contributions, and investments, and adjust your plan for life changes before year-end.

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Thursday, June 25, 2026

Approaching retirement from Lockheed Martin? Learn how to coordinate your pension, 401(k), company stock, Social Security, taxes, and retirement income before making decisions that may be difficult to undo.

Thursday, June 18, 2026

Learn how Required Minimum Distributions work, when RMDs begin, how they're taxed, and why Roth conversions, brokerage accounts, QCDs, and proactive tax planning can help retirees prepare before RMDs start.

Thursday, June 11, 2026

Summer has a way of making financial decisions feel less urgent. Calendars fill up fast: international travel, beach house rentals, maybe even a new car or a patio upgrade. On its own, each decision feels reasonable. Strung together...

Friday, June 5, 2026

Emily earned five ATA Southern District Championships, competed in all eight tournament events, and qualified for the ATA Tournament of Champions, where she will compete among the best in the world.

Friday, May 22, 2026

Many people build a vision of retirement early. Sometimes it’s based on accepted norms. Other times, it’s based on beliefs formed during the hardest parts of our careers, when retirement is an oasis offering relief from the daily...

Monday, May 18, 2026

If you’re like most people, you have a vision of what your retirement will be like. It’s healthy to visualize the life you want and actively work to achieve it. But problems often arise when we’re so rigid with expectations that we...

Thursday, May 7, 2026

For many people, the start of a new year brings new goals, and financial goals are typically at the top of the list. As the year progresses and life happens, it’s common to ease up on even our best intentions. With almost half the...

Wednesday, April 29, 2026

Many retirees want to live off dividends, but a total return strategy often provides greater flexibility, diversification, and tax efficiency when creating a sustainable retirement paycheck.

Friday, April 17, 2026

The decisions involved in retirement income planning can be daunting. Every choice seems to have far-reaching implications with the potential to make or break your plan. In part, it’s because the process itself represents a...

Friday, April 10, 2026

Scott Hammel reflects on completing Ironman 70.3 Dallas-Little Elm, overcoming windy conditions, adapting to a canceled swim, and continuing his preparation for Ironman Waco this October.

Friday, April 3, 2026

More than 120 pounds of crawfish, March Madness basketball, and a great cause. Apeiron clients and families gathered in University Park for an afternoon of food, conversation, and community while supporting Feed My Starving Children.

Monday, March 23, 2026

The most important retirement planning conversations are rarely all about numbers. When clients start working through Medicare options, long-term care coverage, and care cost projects, deeper emotions begin to surface: Fear of becoming...

Monday, March 16, 2026

James and Brittney Marsden attended the International Justice Mission Justice Gathering at The Star in Frisco, supporting an organization dedicated to combating human trafficking, violence, and exploitation around the world.

Monday, March 9, 2026

For decades, the 60/40 portfolio (60% equities, 40% bonds) was the backbone of retirement planning. But the world has changed. Inflation, a rising correlation between stocks and bonds, and a prolonged low-yield environment have exposed...

Monday, March 2, 2026

Choosing a Dallas financial advisor is about more than fees or investment returns. Learn how to evaluate trust, CFP® credentials, fiduciary responsibility, planning process, compensation, experience, and fit.

Tuesday, February 24, 2026

If you feel a sense of dread as tax documents begin to hit your inbox, you aren’t alone. For many, tax season isn’t just a financial obligation; it’s an emotional weight. We avoid tax planning because of the anxiety of the unknown,...

Monday, February 23, 2026

Colton Richards and Bri Blatchley attended the Genesis Young Leaders Masquerade at the Perot Museum, supporting Genesis Women's Shelter and helping raise awareness for families impacted by domestic violence.

Wednesday, February 18, 2026

Have company stock inside your 401(k)? Before automatically rolling everything into an IRA, learn how Net Unrealized Appreciation (NUA) works, when it may reduce taxes, and why the strategy should be evaluated before retirement assets are m

Monday, February 9, 2026

The new Trump Account gives eligible children born 2025-2028 a $1,000 federal investment seed. Learn exactly what it is, how it works, and what to do now.

Thursday, January 29, 2026

One of the most common questions I get about Roth IRAs is: “Why would I choose to pay taxes today on money I don’t need yet?” The answer I give is that you aren’t necessarily paying a bill; you’re buying out a partner. When your money...

Wednesday, January 21, 2026

Medicare is more than healthcare coverage. Learn how Medicare, IRMAA surcharges, Roth conversions, retirement income, and long-term care planning work together.

Wednesday, January 14, 2026

Learn why January is the most important month for tax-efficient retirement planning and how proactive tax decisions can help you reduce lifetime tax exposure.

Friday, December 19, 2025

How do you replace your paycheck after retirement? Learn how Dallas retirees can coordinate Social Security, pensions, cash, brokerage accounts, IRAs, taxes, and investments into a sustainable retirement income plan.

Friday, December 12, 2025

Retiring in Dallas? Learn how Roth conversions, brokerage accounts, RMDs, IRMAA, charitable giving, and strategic withdrawals can help retirees manage taxes over their lifetime. Not just this year's tax bill.

Friday, December 5, 2025

Approaching retirement in Dallas? Learn key financial, tax, and retirement income decisions affluent families should consider before leaving work, from Roth conversions and brokerage accounts to creating a sustainable retirement paycheck.

Friday, November 28, 2025

Lockheed Martin employees can accumulate significant retirement benefits over a long career. Learn how pensions, 401(k)s, taxes, Social Security, NUA opportunities, and retirement income planning can work together.

Friday, November 21, 2025

Apeiron clients explored Downtown Richardson through local food, drinks, and conversation while supporting small businesses and enjoying a memorable evening together.

Friday, November 14, 2025

What makes a great retirement planner? Learn the qualities that matter most—from retirement income and tax planning to Social Security, Roth conversions, and helping retirees confidently enjoy the wealth they've built.

Thursday, November 6, 2025

As we head into November, open enrollment season is upon us and with it, the opportunity to make sure your workplace benefits are aligned with your family’s goals and next year’s financial plan. A few key areas to review before...

Friday, October 24, 2025

After completing his first 50-mile ultramarathon at Palo Duro Canyon, Colton Richards reflects on endurance, friendship, personal growth, and the lessons learned over 50 miles of Texas trails.

Thursday, October 16, 2025

We’re excited to celebrate Colton Richards’ one-year anniversary with Apeiron! Bringing new faces into our family-style office is always a thoughtful decision, and we’re grateful to have Colton on the team. Originally from the...

Tuesday, October 7, 2025

The Apeiron team volunteered with Feed My Starving Children, helping pack 17,064 meals while strengthening relationships, supporting a meaningful cause, and giving back to the community we proudly serve.

Wednesday, October 1, 2025

Financial planning for Dallas-Fort Worth aerospace and defense professionals approaching retirement. Learn how to coordinate your 401(k), pension, Social Security, taxes, company stock and retirement income.

Wednesday, September 24, 2025

What does CFP® stand for, and what does the designation actually mean? Learn the education, experience, ethics, and fiduciary standards behind CFP® certification—and what to consider when choosing a financial advisor.

Monday, September 15, 2025

Social Security is one of the most important retirement decisions you'll make. Learn when claiming early, at full retirement age, or delaying until 70 may make sense.

Friday, August 29, 2025

Not all financial advisors are paid the same way. Learn the differences between fee-only, fee-based, and commission-based advice and how compensation can influence recommendations.

Tuesday, August 12, 2025

Starting in 2026, kids born after Jan 1, 2025, will receive $1,000 in an Invest America Account—growing tax-deferred with contribution matches, family gifts, and more. A quiet shift with big long-term impact.

Monday, July 28, 2025

Fiduciary advice means recommendations should serve the client, not the advisor. Learn how compensation, credentials, and planning philosophy affect the advice you receive.

Friday, July 11, 2025

The “Big Beautiful Bill” makes major tax updates for 2025—permanent brackets, higher SALT cap, new deductions for seniors, tips, OT, and car loans. Here’s what matters for your plan.

Friday, June 27, 2025

The five years before retirement can be some of the most important financial planning years of your life. Learn how to coordinate spending, retirement income, pensions, Social Security, 401(k) decisions, taxes, and the transition into life

Friday, June 20, 2025

What's the difference between a fiduciary and a wealth manager? Learn what these titles actually mean, why they aren't the same thing, and what questions to ask when choosing a financial advisor.

Thursday, June 5, 2025

529 plans aren't just for college anymore—use them for K–12 tuition, student loans, Roth IRA rollovers, and more. Learn how to maximize flexibility for your family.

Friday, May 30, 2025

Some people can manage their finances successfully on their own. Learn when complexity, taxes, retirement planning, and major life transitions make professional advice more valuable.

Wednesday, May 14, 2025

Even with identical finances, families make different choices. Learn how money psychology and behavior shape decisions—and how to build a plan that fits your values.

Wednesday, April 30, 2025

Employee Stock Purchase Plans can be a smart way to invest in your company’s future—if they’re used wisely. This article breaks down how ESPPs work, their benefits, and what to watch out for when deciding how much to participate.

Monday, April 14, 2025

A beautiful spring evening, pickleball, great food, and even better company. Apeiron clients and families gathered at Chicken N Pickle Grapevine for a memorable community event.

Friday, March 21, 2025

Talking about money shouldn't feel like a battle. Learn how understanding financial personalities and shared goals can help couples create harmony and enjoy the retirement they’ve worked so hard for.

Friday, March 7, 2025

After moving from Pennsylvania to Texas, CFP® Colton Richards shares why Dallas became home and what makes the city such a unique place to build a career, family, and community.

Wednesday, February 12, 2025

Newly married? Don't let money be a stress point. Learn key financial conversations, savings strategies, and benefits optimization tips to build a strong future together. Start your financial journey as a team today!

Wednesday, February 5, 2025

The Millionaire Next Door challenges common assumptions about wealth. Learn why income and wealth are different, how lifestyle inflation impacts progress, and what most wealth builders have in common.

Wednesday, January 29, 2025

Estate planning protects your loved ones and ensures your wishes are honored. At Apeiron Planning, we simplify the process with tailored strategies, from wills to trusts, so you can secure your family’s future with confidence.

Wednesday, January 22, 2025

The Psychology of Money explores why behavior often matters more than intelligence when building wealth. Learn the most important lesson investors can apply to their own financial lives.

Wednesday, January 15, 2025

Have you ever found yourself caught up in a burst of motivation, determined to overhaul your finances overnight? Meet Sarah, a marketing professional who started 2023 with $27,000 in credit card debt. Like many of us, she began with an...

Wednesday, January 8, 2025

A great financial advisor does more than manage investments – they help you plan your future. Learn how proactive guidance, real communication, and consistent planning can turn your goals into lasting success.

Friday, December 27, 2024

Die With Zero challenges traditional retirement thinking by asking a simple question: what is money actually for? Learn what the book gets right and how retirees can spend with greater confidence.

Tuesday, December 17, 2024

This holiday season, turn family gatherings into opportunities to share financial wisdom. Discover inspiring stories of families who built lasting legacies through thoughtful planning and learn how you can secure your family’s future.

Tuesday, December 10, 2024

Is Santa Coming to Wall Street? Understanding the Holiday Market Tradition As stockings are hung and holiday lights twinkle, Wall Street has its own festive tradition to watch for – the "Santa Claus Rally." This cherished market...

Tuesday, December 3, 2024

Discover five tax planning strategies to boost retirement savings, reduce tax burdens, and secure your financial future. Tailored insights from Dallas financial advisors for smarter, tax-efficient decisions.

Tuesday, November 26, 2024

Discover how strategic charitable giving this Thanksgiving can maximize impact, align with financial goals, and create a lasting legacy for your family. Explore donor-advised funds and family traditions to give back meaningfully.

Tuesday, November 19, 2024

Looking to improve your financial habits? These five books offer timeless lessons on investing, wealth building, retirement planning, and money psychology to help you make smarter financial decisions.

Tuesday, November 12, 2024

Cybersecurity professionals face unique financial challenges as their careers grow. Learn why Colton Richards, CFP®, chose to focus his practice on helping cyber leaders navigate wealth, taxes, equity compensation, and retirement.

Tuesday, November 5, 2024

When It Comes to Retirement Planning, Are You Focusing on the Wrong Numbers? Retirement planning often fixates on numbers: investment returns, fee structures, and market performance. Yet, after years of advising families, we’ve...

Wednesday, October 30, 2024

When searching for a financial advisor, most people fixate on a single number: the fee. Welcome to a fresh perspective on evaluating financial advisors—one that goes beyond the standard cost comparison. We call it the PRICE framework,...

Tuesday, October 22, 2024

As financial planners, our firm has guided hundreds of clients through the home buying process. While most people focus on the obvious aspects like location, price, and mortgage rates, there are several crucial elements that often go...

Monday, October 7, 2024

A will and a trust serve different purposes. Learn how they work together, when each may be appropriate, and why many estate plans include both.

Monday, September 16, 2024

Qualified Charitable Distributions allow certain retirees to donate directly from IRA assets to qualified charities. Learn how QCDs may help manage retirement taxes, Required Minimum Distributions, and long-term charitable planning.

Friday, August 30, 2024

Many assets pass through beneficiary designations rather than a will. Learn why reviewing beneficiaries is one of the simplest and most important estate planning decisions you can make.

Monday, August 12, 2024

Roth conversions can be especially valuable during lower-income years before Social Security and RMDs begin. Learn how retirees can evaluate timing, taxes, conversion amounts, Medicare considerations, and long-term tax planning.

Monday, May 27, 2024

High-income earners often save heavily into retirement accounts but lack flexibility before retirement age. Learn how brokerage accounts can help support future goals, liquidity, and long-term financial planning.

Monday, May 20, 2024

Most people save what is left after spending. A reverse budget flips the process by prioritizing savings first, helping households build wealth, reduce lifestyle creep, and align spending with long-term goals.

Monday, May 13, 2024

Donor-advised funds can help high-income households structure charitable giving more intentionally. Learn how affluent families use donor-advised funds alongside appreciated stock, bunching strategies, and long-term tax planning.

Monday, May 6, 2024

Should you take a pension or lump sum? Learn the key factors retirees should evaluate, including income needs, taxes, survivor protection, flexibility, and estate planning.

Monday, April 29, 2024

Buying a home involves more than determining what a lender will approve. Learn how to evaluate housing costs, down payments, liquidity and investments while preserving flexibility for your other financial goals.

Monday, April 22, 2024

The 60% Solution is a flexible cash flow framework designed to help households balance spending, saving, and long-term financial goals without relying on restrictive budgeting.

Friday, March 15, 2024

Many estate planning mistakes have nothing to do with investments. Learn the most common issues families encounter and how to avoid costly complications for loved ones.

Monday, February 12, 2024

How does retirement income actually work once the paycheck stops? Learn how Social Security, pensions, cash, brokerage accounts, IRAs and Roth assets can work together to create reliable retirement income.

Monday, November 20, 2023

Long-term care planning is about preparation and flexibility. Learn how families evaluate insurance, liquidity, healthcare costs, and caregiving decisions.

Monday, October 2, 2023

Cash plays an important role in retirement income planning. Learn how retirees can balance liquidity, market risk, inflation, and long-term growth when deciding how much cash to keep.

Monday, August 14, 2023

Don't need your Required Minimum Distribution for spending? Learn how retirees can reinvest excess RMDs, use QCDs for charitable giving, support family goals, or confidently spend the money they've worked decades to build.

Monday, July 17, 2023

Many retirees struggle more with spending than saving. Learn how retirement planning can balance long-term security with enjoying life intentionally.

Friday, July 7, 2023

Apeiron clients, family members, and friends gathered at Topgolf Dallas to kick off summer, enjoy the U.S. Open, and spend time with the community we are proud to serve.

Monday, June 5, 2023

Retirement is often more emotional than financial. Learn how purpose, identity, relationships, and structure play a major role in a fulfilling retirement.

Saturday, May 6, 2023

How much should you save and how much can you comfortably spend? Learn how a financial plan can help you balance building wealth, enjoying life today, and understanding the tradeoffs behind major financial decisions.

Monday, March 13, 2023

Learn how donating appreciated stock may help reduce capital gains exposure, improve tax efficiency, and support charitable goals more intentionally.

Friday, February 17, 2023

In the final days of 2022, Congress passed a new set of retirement rules designed to make it easier to contribute to retirement plans and access those funds earmarked for retirement.The law is called SECURE 2.0, and it's a follow-up to...

Friday, January 6, 2023

Retirement is often more emotional than financial. Learn how high earners think about flexibility, retirement confidence, spending, and the next chapter of life.

Monday, December 12, 2022

A Dallas-based perspective on financial planning. Learn how Apeiron Planning Partners helps individuals, families, and business owners navigate retirement, taxes, investing, and life's biggest financial decisions.

Friday, November 4, 2022

Tax-focused retirement planning isn't about predicting future tax laws. It's about building flexibility through Roth conversions, retirement income planning, charitable strategies, and tax diversification.

Monday, October 31, 2022

After 30 weeks of training, a broken hand, COVID, and countless early mornings, Scott Hammel completed Ironman Waco and reflects on the lessons endurance sports teach about perseverance, consistency, and long-term goals.

Thursday, October 20, 2022

Stubborn doesn’t seem like a strong enough word, but that’s how Fed officials are describing inflation.Inflation's “stubbornness” has been on full display in recent weeks: First, the Producer Price Index (PPI)...

Wednesday, October 5, 2022

Personalized goal tracking helps connect your investments to the outcomes that matter most. Learn how Dallas financial planners use goal-based planning to measure progress and make informed financial decisions.

Friday, September 23, 2022

Remember what it was like walking into school for the first time?There’s so much excitement and possibility in the air, and of course some nervousness-maybe even anxiety. That particular feeling of not knowing what to expect in...

Thursday, September 22, 2022

Training for Ironman Waco, Scott Hammel raced the PTO Dallas US Open in Irving as a tune-up event, sharing lessons on endurance, consistency, and pursuing long-term goals both in racing and in life.

Monday, June 6, 2022

Estate planning is about more than legal paperwork. Learn how wills, trusts, beneficiary designations, and healthcare directives help reduce family stress and create clarity.

Monday, May 23, 2022

A high income doesn't automatically create financial confidence. Learn why successful professionals can still feel behind and how a better system for saving, investing, taxes, and major financial decisions can create more clarity.

Monday, May 16, 2022

Stock compensation can create significant wealth-building opportunities, but also introduces tax complexity and concentration risk that should be planned for intentionally.

Monday, April 4, 2022

April marks the start of Financial Literacy Month, a nationally recognized movement to promote and support financial understanding in children and teens. For many, it's a fantastic opportunity to teach and connect with their children...

Sunday, March 6, 2022

Bonuses can create major financial opportunities for high earners. Learn how to think strategically about taxes, investing, debt, liquidity, and long-term financial flexibility.

Tuesday, February 22, 2022

Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend...

Monday, January 17, 2022

Explore charitable giving strategies retirees may use to align charitable goals with retirement income, tax planning, and estate planning.

Monday, November 1, 2021

Your workplace retirement account can play a critical role in your overall retirement strategy. However, some have gone further with the accounts than others, especially recently.CNBC reported on findings that place 401(k) accounts at...

Friday, October 9, 2020

These days, I’m reminded about the ancient curse: ‘May you live in interesting times’. The origin of the saying is murky, but the meaning behind it has endured—uncertain times can bring stress. As we approach...

Wednesday, July 15, 2020

Successful investing isn't about predicting markets. Learn how long-term investing, diversification, dollar-cost averaging, and disciplined portfolio management help investors stay focused on their goals.

Thursday, June 18, 2020

Debt is often more behavioral than mathematical. Learn practical strategies to break the debt cycle through automation, structure, and intentional financial habits.

Tuesday, June 16, 2020

Learn how to prioritize saving, debt payoff, retirement contributions, and brokerage investing through a simple savings waterfall framework.

Friday, September 20, 2019

Hosted in University Park, Apeiron's summer client appreciation BBQ brought together clients, families, live music, Texas barbecue, and charitable giving for an evening centered around community, connection, and relationships.