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September 1, 2026

What Social Security Trust Fund Depletion Means

Every few years the same headline returns. Social Security is running out. The phrase is frightening, and it is also imprecise. Social Security trust fund depletion describes something narrower than the headline suggests. The difference matters a great deal for anyone building a plan around it. Still working: your claiming date probably sits on the far side of these projections....
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How the home sale exclusion works: the tax applies to your gain, not the sale price.
August 24, 2026

Do People Over 55 Get a Tax Break When They Sell a Home?

Learn how the over 55 home sale tax break changed and how the current exclusion rules work for sellers. Maximize your gains with these strategic insights....
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Downsizing before retirement is one decision with three questions: whether to move, when to move, and where to go.
August 24, 2026

Should You Downsize Before Retirement? How to Decide If, When, and Where

Consider downsizing before retirement to optimize your finances. Learn how to evaluate the if, when, and where of moving to secure your long-term plan....
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The fragile decade: the five years before and the five years after retirement, when a plan is most vulnerable.
August 13, 2026

The Fragile Decade: Why the Years Around Retirement Carry Extra Risk

Understand fragile decade retirement risk and how it impacts your savings. Learn to manage sequence of returns risk to protect your financial future today....
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Two retirees with the same average return but different order of returns end up in different places.
August 13, 2026

How to Help Make Your Retirement Savings Last

Understand how sequence of returns risk impacts your portfolio. Learn how timing affects your withdrawals and how to protect your retirement savings....
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Diagram showing how a Social Security and Medicare claiming choice connects to taxes on your benefit, Medicare premiums, and a spouse's survivor income.
July 31, 2026

How Social Security and Medicare Connect to Your Taxes and Spouse

Most people think of their Social Security choice as a decision on its own. You pick an age, you file, the checks arrive. But when you claim quietly reaches into three other parts of your money. Your Social Security and Medicare decisions, in particular, are more connected than most people expect. It affects your tax bill, your Medicare cost, and...
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Bar chart comparing Social Security benefits at ages 62, 67, and 70, showing the benefit grows the longer you wait to claim.
July 31, 2026

When to Claim Social Security: Why Break-Even Math Is Only Part of the Picture

Social Security break-even math is only one factor in your claiming decision. Learn how taxes, Medicare, and survivor benefits impact your retirement income....
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Line chart of retirement income by year, with the low-income gap years before age 73 highlighted.
July 31, 2026

The Quiet Planning Window Between Retirement and Age 73

Picture a few years where your income drops lower than it has been in decades, and where that low income is quietly an opportunity worth thousands of dollars. For many people, those years arrive and leave without anyone noticing. That is the story of the gap years. They are the stretch between when you stop working, often in your early...
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Retirement withdrawal order infographic: taxable accounts first, then tax-deferred, then Roth.
July 31, 2026

Which Retirement Account to Draw From First

Retirement withdrawal strategies can save you thousands in taxes. Learn the smartest order to draw from IRAs, 401ks, and brokerage accounts to protect your wealth....
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401(k) settings panel showing escalation, rebalancing, Roth, and beneficiary all off.
July 28, 2026

The Retirement Plan Settings Most People Never Turn On

Optimize your 401k plan settings with automatic escalation and timing tricks. Learn how to increase retirement savings effortlessly without impacting your budget....
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2026 401(k) limits by age: $24,500 base, $32,500 at 50-59, $35,750 at 60-63.
July 28, 2026

2026 Retirement Plan Contribution Limits and the New Catch-Up Rules

Understand the 2026 retirement plan contribution limits and new catch-up rules. Learn how age-based adjustments and IRS shifts affect your 401k and IRA strategy....
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lose track of an old 401k
July 21, 2026

How to Find Old Retirement Accounts From Former Employers

Find old retirement accounts from former employers easily. Learn how to track down lost 401(k) plans and reclaim your investments using free search tools....
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what happens to your retirement plan when you leave
July 21, 2026

What Happens to Your Retirement Plan When You Leave a Job

Understand what happens to your retirement plan when you leave a job. Learn about 401k rollover options, different plan types, and how to manage your accounts....
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income coordination
July 14, 2026

How to Have More Money in Retirement: The Income Coordination Guide

Income coordination strategies can help you have more money in retirement by optimizing withdrawals, reducing tax burdens, and managing Medicare costs effectively....
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income coordination
July 14, 2026

Is Your Retirement Income Leaving Money on the Table? Five Questions to Find Out.

Retirement income planning requires more than just checking your balance. Learn five questions to optimize your social security and taxes for a better retirement....
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July 7, 2026

Does Your Retirement Plan Work for One? A Quick Self-Check for Couples

Retirement income planning for surviving spouses is essential. Use this five-question self-check to evaluate your financial security and identify potential gaps....
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July 7, 2026

The Retirement Plan That Works for Two, But Breaks for One

Financial planning for couples often overlooks the impact of losing a spouse. Learn how to protect your household income and prepare for Social Security changes....
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June 30, 2026

Five Signs Your Withdrawal Order Is Costing You Money

Retirement withdrawal strategies can save you thousands in taxes. Learn the five signs your account withdrawal order is inefficient and costing you money today....
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June 30, 2026

Which Account Should You Draw From First?

Retirement withdrawal sequencing can save you thousands in taxes. Learn how to tap your three account buckets strategically for a better financial plan....
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June 23, 2026

How to Help Your Adult Children Without Putting Your Retirement at Risk

Retirement security is vital when supporting adult children. Learn how to create a financial plan that protects your future while providing meaningful support....
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Langan Financial Group, LLC ("Langan Financial Group" or "LFG") is an SEC registered investment adviser. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. LFG may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements.

You can review our registration and disciplinary history on the SEC's Investment Adviser Public Disclosure (IAPD) website and, for brokerage registrations, on FINRA's BrokerCheck. This website is for general information only. It is not legal, accounting, or tax advice. Please talk with your own legal or tax professional about your situation. Important information about our firm is on our Disclosures page.

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Harrisburg, PA Office

Address: 1863 Center St, Camp Hill, Pa 17011
Phone: 717-288-1880

York, PA Office

Address: 3405 Board Rd, Suite 200, York, Pa 17406
Phone: 717-773-4085