More Americans than ever are still working at 80 — not by choice, but out of necessity. This article breaks down why retirement has changed, what these stories reveal, and how to build a plan that actually works so you don’t end up in the same situation.

If you have someone in your life who wants to invest better, build real wealth, or finally get clarity on what their portfolio should look like, this book makes the perfect holiday gift. How to Build Portfolios That Actually Work gives readers a real-world framework for income, growth, tax efficiency, and thematic opportunities. It is a gift that actually helps someone improve their financial future.

The classic 60/40 portfolio once delivered steady growth and balance, but today’s markets tell a different story. Inflation, volatility, and shifting correlations have left many investors asking if 60/40 is dead. This article breaks down why the old model is under pressure and how modern portfolio construction can help investors build strategies that actually work.