Over nearly four decades in the financial industry, I’ve seen investors thrive during historic bull markets—and panic during sharp downturns. While no one can predict what the market will do tomorrow, we can learn from patterns, data, and history. That’s why I’ve developed seven rules of thumb that every investor should understand.

When it comes to retirement planning, most people focus on saving and investing during their working years—which is great. But one of the most overlooked (and most important) parts of the retirement equation is this.

Ask ten people whether hiring a financial advisor is “worth it,” and you’ll likely hear ten different answers. Some will point to the cost, others to the potential for better returns—but ultimately, it’s a decision that feels as personal as your money itself.

As you approach retirement, one of the most impactful decisions you’ll make is when to start taking Social Security benefits. This single choice can dramatically shape the quality of your retirement—sometimes by hundreds of thousands of dollars.

At 55, with $750,000 saved, big retirement questions arise. These questions impact more than just finances—they shape peace of mind. At The Noble Group, we help individuals and couples create a clear retirement roadmap, just like we did for John and Samantha.