Within 5-10 years of retiring? Catalano Financial is a fiduciary advisor in The Woodlands, Texas who works directly with your CPA to coordinate tax strategy, so your retirement income, taxes, and investments align. Unlike product-focused advisors, an RIA is required to put your interests first.

Gray Divorce After 50: Can You Still Afford to Retire? Divorce after 50 can change almost everything—including the retirement you spent decades planning. Often called gray divorce or silver divorce, divorce later in life presents financial and emotional challenges that can be very different from those experienced by younger couples. Retirement savings may need to support two households […]

Financial planning rarely happens in isolation. Your financial advisor, CPA and attorney may each play an important role in your financial life—but they shouldn’t necessarily be working in isolation from one another. Your investments can affect your taxes. Your estate plan can affect how assets ultimately pass to your family. Insurance decisions may affect your […]

For many business owners, the largest asset they own isn’t sitting in an investment account. It’s the business. You may spend decades building its revenue, customers, employees and value. Yet when it comes to retirement planning, business owners sometimes treat the company and their personal financial life as two separate things. They’re not. If you’re […]

Retirement planning often focuses on a date. When can I retire? How much money will I need? When should I take Social Security? How much can I safely spend? Those are important questions. But there is another question that may be just as important: What are you actually retiring into? A successful retirement isn’t simply […]

For a business owner, personal financial planning and business planning can’t really be separated. Your business may provide your income, represent one of your largest assets, and ultimately play an important role in your retirement. Business owners need a different financial strategy because the business itself needs to be part of the financial plan. It […]

If your money has been in the same mutual funds for years, hidden fees are likely costing you thousands. Catalano Financial serves greater Houston with low-cost ETF portfolios built to your risk tolerance, using automatic rebalancing and tax-smart transitions from old holdings.

Advisors give conflicting answers on annuities because they describe different tools and have different incentives. This page breaks down the honest advantages, drawbacks, annuity types, and when one actually fits your retirement income plan.

Moving old 401(k)s from past jobs into an IRA or annuity requires knowing which methods trigger penalties. The biggest mistake happens with indirect rollovers, where a 20% withholding and 60-day deadline create a tax trap most people miss.