Free report of your investment risk tolerance
|
Free report of your investment risk tolerance |


Bespoke Life
A Financial Wellness Sanctuary
Enter a haven where questions are encouraged and you are empowered to grow.
Financial Freedom is for Everyone.
We make money matters simple and clear through personalized guidance, resources, and events.
Holistic Investment and Retirement Strategies
Income Protection through Life and Disability Insurance
Budgeting and Debt Elimination
Wills and Trusts
Comprehensive Tax Planning for Small Businesses
The air feels heavy these days, doesn’t it? And it’s not the Spring humidity. Stress and uncertainty many are facing seem almost tangible.
Just this week, I came across a Bloomberg article about a troubling trend—more Americans are dipping into their 401(k) savings to cover financial emergencies. From medical bills to rising housing costs, hardship withdrawals have surged 15-20% above the norm. And while it’s become easier to access these funds, the trade-off is steep: taxes, penalties (looking at you, under-59½ crowd), and a real hit to long-term retirement savings. Sure, new rules have made it easier to tap into these funds, but rising living expenses and economic strain are clearly pushing people to their limits.