All posts by Melanie

Melanie Pelayo is a Certified Financial Planner professional. She is passionate about helping people, young and old, better prepare for and achieve security throughout retirement.

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(Mental) Time is Money

Sharing the following from a Morningstar report. It’s a fascinating insight on how our perspective on time horizon directly motivates our savings rates. It may come as no surprise that […]

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Lump Sum vs. Monthly Pension Payments

Faced with mounting pension costs and greater volatility, companies are increasingly offering their current and former employees a critical choice: Take a lump-sum payment now or hold on to their […]

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High Anxiety

Sharing this infographic from Nerdwallet regarding American financial anxiety. As the graphic shows, the struggle to save for retirement — and the anxiety caused by feeling behind — is a […]

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