Van Richards, ChFC​®, RICP​®

I'm a retirement specialist by day, a flawed person trying to do good every other moment. My tweets aren't investment advice, just my personal opinion.

[Van Richards, ChFC​®, RICP​® @VanRichards]

I get the excitement, over the SpaceX mega IPO. But somethingto keep in mind is that IPOs often come out hot and then cool off. If you’re nearing retirement, avoid letting FOMO drive speculative bets. https://t.co/HI9xTjDxBb

[Van Richards, ChFC​®, RICP​® @VanRichards]

Are you on track for retirement — or just hoping for the best?
This free tool gives you a personalized retirement score in about 5 minutes. No sign-up required.
Watch my short walkthrough 👇 https://t.co/IxYBf4GUao
Check your score: https://t.co/TfOSK9K8pd

[Van Richards, ChFC​®, RICP​® @VanRichards]

The portfolio gets a little more conservative every year — just like you do.
Full breakdown (plus a free tool that shows what a 2008-style drop would do to your portfolio) in the latest Fortnightly Retirement Newsletter:
https://t.co/GfWzaX8PyY

[Van Richards, ChFC​®, RICP​® @VanRichards]

Imagine you finally pulled the trigger on retirement.
Your last day was Friday, June 20, 2025.
Saturday morning, before you finish your first coffee, the news breaks: the U.S. has joined Israel in striking three Iranian nuclear sites.
A thread on bad days to retire 🧵

[Van Richards, ChFC​®, RICP​® @VanRichards]

What you can do is plan strategically and live with your decisions.
The simplest mental model I know for surviving volatility is older than I am, imperfect, and not a recommendation — but the concept is what matters.
Take your age. Subtract from 100. That's roughly your stock allocation.

[Van Richards, ChFC​®, RICP​® @VanRichards]

The chart does the talking: Look at that chart for a moment.
94% in 1944. 91% through most of the 1950s and 60s. 70% as recently as 1980.
Today? 37%.
If you're in retirement or getting close, this is one of the most important charts you'll ever see. Because every year you don't plan around today's low rates is a year you can't get back.
Tomorrow's Fortnightly Retirement Newsletter covers exactly this — and what to do about it before the window closes.
Subscribe today 👇
https://t.co/fLGGvsZLzR

[Van Richards, ChFC​®, RICP​® @VanRichards]

There are two types of people on Valentine's Day:
✅ The planners who made reservations in January
❌ The scramblers searching for a table on February 13th
Which type are you when it comes to retirement?
In my February 2nd newsletter, I'm connecting Valentine's Day planning to retirement readiness—and sharing why many people are scrambling when they don't have to be.
Plus, I'm giving you a free tool to help ensure you're retirement-ready, not retirement-panicked.
Two ways to get clarity:
📧 Join my Fortnightly Retirement Newsletter: [https://t.co/fLGGvt0jpp] Every other Tuesday, retirement insights for anyone who wants to go from retirement panic to retirement ready. Next issue: February 2nd.
📊 Want the tool now? Get my free Easiest Retirement Budget Worksheet—see where you stand. [https://t.co/7u8PzKmFXn]
#RetirementPlanning #Houston #EnergyProfessionals #FinancialPlanning

[Van Richards, ChFC​®, RICP​® @VanRichards]

Here’s the hidden risk retirees face:

Retirement isn’t a highway—it’s a mountain descent. Passive funds?

Great on cruise control, dangerous on the downhill.

[Van Richards, ChFC​®, RICP​® @VanRichards]

@WHLeavitt @LeaderJohnThune Yes

[Van Richards, ChFC​®, RICP​® @VanRichards]

@AngelaH171717 @MdBreathe @DutchRojas True, but the problem there is the hospital, not the insurance.

[Van Richards, ChFC​®, RICP​® @VanRichards]

🚨 UPDATE: Over 500 people have downloaded the Medicare 2026 Survival Guide!
If you haven't grabbed yours yet, here's what's inside: ✅ Complete review checklist
✅ Hospital cost comparison tool
✅ Doctor verification worksheet
✅ Drug coverage calculator
✅ Questions to ask insurance agents
✅ Week-by-week timeline
Download FREE: https://t.co/ST8VeUzvfI ⏰ Open Enrollment ends December 7th!

[Van Richards, ChFC​®, RICP​® @VanRichards]

@RedLineReportt 👍

[Van Richards, ChFC​®, RICP​® @VanRichards]

Twitter/X Post:
What counts toward Social Security earnings limits:
✓ Gross wages from jobs ✓ Self-employment income ✓ Bonuses and commissions
✓ Vacation pay
Simple rule: If you're working and getting paid for it, it counts.
Investment income and pensions don't count (different rules).
https://t.co/e89Q6KPjEj
#SocialSecurity

[Van Richards, ChFC​®, RICP​® @VanRichards]

Exceeding Social Security earnings limits?
Report it NOW.
File an estimated earnings report before SSA discovers it themselves. Overpayment notices that arrive years later are administrative nightmares.
Be proactive, stay in control.
https://t.co/HKipDcBWnH
#SocialSecurity

[Van Richards, ChFC​®, RICP​® @VanRichards]

Social Security's monthly earnings test: The option most people miss.
Retire mid-year after earning too much? In your first year of benefits, Social Security can evaluate you month by month instead of annually.
2025 monthly limits: $1,950 (under FRA) $5,180 (reaching FRA)
https://t.co/e89Q6KPjEj
#SocialSecurity

[Van Richards, ChFC​®, RICP​® @VanRichards]

2025 Social Security earnings limits:
$23,400 if under full retirement age all year $62,160 if reaching full retirement age in 2025
Different limits, different penalties. Know yours.
https://t.co/HKipDcBWnH
#SocialSecurity