Hello, I’m Frank J. Garcia—a 50‑year‑old Registered Social Security Analyst (RSSA®) with over two decades dedicated to helping Americans navigate their retirement. One of the most critical decisions you’ll make is: When to claim Social… Read More »Why Claiming Age Matters: Your Guide to Timing Social Security
When you’ve spent a lifetime building a business, accumulating wealth, or supporting your family, estate planning becomes more than just a legal formality—it becomes a critical step in preserving your legacy. Whether you’re a high-net-worth… Read More »Estate Planning: Protecting Your Legacy
In today’s complex financial landscape, managing your wealth isn’t just about making smart investments; it’s about understanding how each piece of your financial puzzle fits together. Holistic financial planning takes a comprehensive look at your… Read More »The Importance of Holistic Financial Planning
This spring saw one of the most significant adjustments to the U.S. retirement system in recent memory. The Social Security Fairness Act rolled back two long-standing provisions—the Windfall Elimination Provision (WEP) and the Government Pension… Read More »A Strategic Fix or Fiscal Folly? Reflecting on the Social Security Fairness Act