September 29, 2026
Open enrollment tends to get five minutes and a click. Open enrollment before you retire deserves more than that. The reason is simple. Some of what you choose follows you out the door, and some of it stops the day you leave. Knowing which is which is easier to sort out in the fall than in the week you retire....
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September 29, 2026
Medicare Open Enrollment: What to Review in Your Plan
Most of a financial plan can be changed any week of the year. Health coverage is one of the few parts with a deadline attached. Medicare open enrollment runs from October 15 through December 7. Changes made in that window start on January 1. Outside it, the choices are mostly set until the next fall. Still working: if you are...
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September 21, 2026
Retirement Income Gap: Does Your Lifetime Income Cover Your Essentials?
A lot of retirement worry comes down to one question. Is it enough? It is a hard question to answer in one piece. It gets easier once you break it into two smaller ones: how much has to come from savings each month, and how much of that covers spending you could not adjust. The first of those two is...
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September 21, 2026
Retirement Income Sources: How Social Security, Pensions, and Savings Differ
For most of your working life, the money came from one place. In retirement it usually comes from several, each starting on its own schedule and taxed its own way. Those sources are not always written down in one place. That list is worth making, because how much of your income is fixed and how much depends on markets shapes...
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September 8, 2026
Pre-Retirement Planning: What Changes in the Last Five Years
Most retirement advice is written for people who are either decades away or already finished. Pre-retirement planning gets less attention than either. The last five working years are where pre-retirement planning happens. They are also the years when a number of changes land close together. What changes before you retire is not the goal. It is the number of rules...
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September 8, 2026
Five Years Before Retirement: What to Handle and When
The five years before retirement feel like plenty of time, and for most of that stretch, they are. But the five years before retirement contains several rules that take effect on their own schedule. A plan built around a single date can miss them entirely. Still working: this is the stretch where the widest range of decisions is still open...
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September 1, 2026
How Past Reforms Treated People Near Retirement
Learn how social security reform history shaped current benefits and what the 1983 changes tell us about future adjustments to your retirement plan....
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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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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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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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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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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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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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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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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
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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June 23, 2026
Am I Putting My Retirement at Risk to Help My Children? What the Research Says
Evaluating retirement risks when supporting adult children? Discover research and calculation tools to protect your financial future while helping your family....
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May 26, 2026
How to Know If the Six Biggest Retirement Concerns Are Actually Your Problem
A diagnostic guide for the worries that matter most, and permission to stop worrying about the ones that don’t Most retirement anxiety is not really about money. It is about uncertainty. Not knowing whether a given risk is actually your problem is what keeps people up at night. Our first article in this series named the six fears that show...
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Financial Advisor Locations:
Camp Hill, PA Financial Planning Office
York, Pa Financial Planning Office
Harrisburg, PA Financial Planners
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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.
© Langan Financial Group
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
