by Manny Apolonio | May 12, 2026 | Retirement Planning
What Retirement and Long-Term Care Gaps Could LGBTQ+ Adults Face LGBTQ+ adults may face retirement and long-term care gaps around caregiving support, social isolation, legal decision-making, affirming care environments, and future housing choices. These gaps can...
by Manny Apolonio | Apr 14, 2026 | Estate Planning
What LGBTQ+ Solo Agers Need to Know About Estate Planning Estate planning helps LGBTQ+ solo agers make sure the right people can step in for medical, financial, and end-of-life decisions, especially when chosen family matters more than legal relatives. The most...
by Manny Apolonio | Mar 3, 2026 | Financial Planning, Retirement Planning
Should You Pay Off Your Mortgage Before You Retire? Paying off your mortgage before retirement can reduce monthly expenses and give you more financial flexibility if it aligns with your overall plan. Keeping the mortgage may make sense if your interest rate is low,...
by Manny Apolonio | Feb 15, 2026 | Retirement Planning
Should You Retire in the Bay Area or Move Somewhere Else? Retiring in the Bay Area works well when your income plan comfortably supports local housing, healthcare, and lifestyle costs, and you want to stay close to your family and community. Moving somewhere else can...
by Manny Apolonio | Jan 22, 2026 | Retirement Planning
What to Do in the Five Years Before You Retire in the Bay Area Start building a clear retirement income plan, estimating your expenses in the Bay Area and reviewing your investments and savings to see if you’re on track. Most people benefit from starting Social...
