Blogs

Do You Have the Money for Your Must-Have Experiences in Retirement? 

As you plan for or live through retirement, one of the most exciting aspects is thinking about all the things you’ve always wanted to do—whether that’s traveling, attending major events, or diving into new hobbies. But while imagining these must have experiences is fun, the reality of paying for them …
replica home with calculator

Why Mind Share Matters in Retirement: Evaluating the Mental Cost of Your Home 

When planning for retirement, we often focus on financial costs and physical energy. But have you ever thought about the mental energy—or “Mind Share”—your home consumes? For many retirees, managing the mental load of maintaining a home can be just as draining as financial expenses or physical upkeep. Whether you’re …
fat pink cow

Deciding How to Spend Your Money in Retirement: Making the Most of Your Financial Freedom 

As you enter retirement or start planning for it, one of the key decisions you will face is how to allocate your money. While your time in retirement is precious, your financial resources are equally important, and the two are closely connected. What do you want to spend your money …
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Defining Your Retirement: How Do You Want to Spend Your Time? 

As I’ve helped many clients transition into retirement, one of the most important questions I ask them is, “How do you want to spend your time?” Retirement isn’t just about financial security; it’s about designing your life around the things that bring you joy and fulfillment. For me, retirement planning …
Are There Better Places to Live During Retirement?

Are There Better Places to Live During Retirement? 

Retirement opens up a world of possibilities, including the option to live wherever you want. Without the constraints of a job or raising children, you have the freedom to consider whether your current home is truly the best place for you during this new chapter of life. Whether you’re drawn …
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Does Your Home Pass the Retirement Test? 

Your home has likely been a place of comfort, security, and countless memories over the years. However, as you approach retirement, it’s important to assess whether your home will continue to meet your needs in this new stage of life. What once worked well may no longer be the best …

Is Your House a Retirement Asset or a Liability? 

When you think about retirement, your home likely comes to mind as one of your most significant assets. It’s where you’ve built memories, provided shelter for your family, and perhaps even paid off a mortgage after years of diligent work. However, as you transition into retirement, it’s crucial to ask …

What Does It Take to Make a Change in Retirement? 

Retirement is a time of significant transition, and one of the most challenging decisions you might face is whether to stay in your current home or move to a new location. Whether you’re considering downsizing, relocating, or adapting your existing home, understanding the physical, emotional, and financial implications of such …

Retirement and Homeownership: Making the Right Choice for Your Future 

As you approach retirement, the decision to sell or stay in your home becomes increasingly important. This choice involves a mix of financial, emotional, and practical considerations. As Penelope Tzougros of Wealthy Choices®, I have extensive experience in helping clients navigate this critical decision. Financial Reality of Homeownership One of …

Contact Penelope

Penelope S. Tzougros,
PhD, ChFC, CLU
51 Sawyer Road, Suite 340
Waltham, MA 02453

(781) 893-0909 ext. 238

[email protected]
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LPL Financial, Member FINRA/SIPC

In all 50 states, Penelope S. Tzougros is registered with and securities and advisory services are offered through, LPL Financial, Member (FINRA.org/SIPC.org) Financial Planning is offered through Wealthy Choices® which is a registered investment advisor. It is not a broker-dealer nor affiliated with LPL Financial.