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your retirement checklist

Most couples have seldom talked about retirement and most single people haven’t even thought about it. They each may have fantasized in their own minds when that day may be. However, they’ve spent more time planning their last vacation than they did talking about the day they plan to retire, which could easily be a 30-year plan or more, not just a 7-day vacation.

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How to Protect Your Assets from Nursing Home Costs

If you’re concerned about how to protect your assets from nursing home costs, you’re at an advantage if you can plan at least five years out.

U.S. News & WOrld Report

Will Social Security Cover All Your Expenses?

Look at your budget and estimated benefit to determine what Social Security will cover in retirement.

Life Insurance for Homeowners: Why You Need It and How to Find the Right Plan

Buying a home can be expensive.


Family Trusts vs. Wills: What Are the Differences Between These Estate-Planning Options?

No one relishes the thought of the day they pass away and leave their worldly possessions behind.


A Home Equity Loan for Debt Consolidation: Comparing the Pros, Cons and Alternatives

Interest rates are low right now, so if you own a home, you could benefit from new, favorable loan terms. Refinancing a mortgage over 30 years can allow you to spread the loan balance over 30 years versus 10 years as with a home equity loan, says Chuck Czajka, founder of financial consulting firm Macro Money Concepts in Florida.

U.S. News & World Report

Getting a Credit Limit Increase with a Credit One Bank Card

“Getting a credit limit increase will not hurt your credit score,” says Chuck Czajka, founder of Macro Money Concepts in Stuart, Florida.”

Medium's authority Magazine

5 Things Every CEO Should Know About Navigating The World of Finance with Chuck Czajka

“Education – enough is not enough. Continuing to learn is a mainstay of this business. Every day new ideas and products are created to help people succeed…”

Medicare Plans

Avoid and Report Medicare Fraud and Abuse

“Sometimes, healthcare workers, doctors, or even patients, commit Medicare fraud without knowing it,” Czajka says.

U.S. News & World Report

12 Steps to Achieve Financial Freedom

“You’ll never get ahead if you’re always putting the cart before the horse,” says Charles Czajka, CEO of Macro Money Concepts in Stuart, Florida


10 Bad Money Habits You Learned From Your Parents and Need To Break Now

“It’s better to pay off debt first, then save for retirement.”


Popular Money Rules You Should Stop Following

“While saving for retirement is a must, COVID has shown that this traditional thinking and saving through a 401(k) might not be the best solution.” 

U.s. news & world report

The Minimum Mortgage Qualifications for 2021

“The process will take longer because lenders are becoming more picky about who they lend to.”


12 Reasons You Should Have a Will Sooner Than You Think

“Creating a will helps to keep things organized so your family members can grieve easier knowing they are following your wishes.”

U.s. news & world report

How to Manage Holiday Spending in Retirement

“The last thing you want to do is spend 2021 paying off 2020’s holiday season.”


7 Questions to Ask Before Buying Disability Insurance

“if your employer deducts the premium, your disability could be taxable to you…”

Money geek

Maximize Your Military Retirement and Benefits

“Prepare for civilian life. Build a financial team to educate you on what you need to know regarding your finances…”

U.S. News & world Report

What to Consider Before Getting a Reverse Mortgage in Retirement

“In most cases, the loan is only paid back when the borrower leaves the home,” says Chuck Czajka…


Should you accept an early retirement offer?

“If you retire before you get to retirement age, your benefits might be less when you get to Social Security retirement age,” says Czajka.


How to Apply for Social Security

“The most important consideration is when you should claim your benefits,” says Czajka…

The Washington Post

How to Set (and Stick to) a Vacation Budget

“While that may be hard in the beginning, like a diet, you have to try to get as close as possible to this goal,” he says…

retire ahead

Hardship Withdrawals

Late last year, the Internal Revenue Service and U.S. Treasury loosened rules regarding hardship withdrawals from 401(k) plans, making it easier to pull money from retirement savings…

the penny hoarder

Lean Into Budgeting to Make Your Money Last in Retirement

You’ve spent decades in the workforce earning a living, your schedule dictated by the demands of the job. All the while, you’ve been steadily adding to your savings…


How to Become a Homeowner in 2020

The homeownership rate has edged up 1 percentage point in the last five years, to 64.8 percent. And there are many renters eager to join the club…

Planadviser Magazine

Retirement Savings Options for the Self-Employed

There are a number of options that retirement plan advisers can suggest to the self-employed and small business owners to help them save for retirement….

u.s. news & World report

Should Tax Reform Change How You Save for Retirement?

THE 2017 TAX CUTS AND Jobs Act was the most sweeping tax reform enacted in decades, and the 2019 SECURE Act made 401(k) changes that affect millions of workers.