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Blog

Scott Sullivan | Sep 1, 2026

The Raise You Get For Waiting on Social Security

Retirement
Retirement Planning
Retirement Income
Waiting does pay off at the end!
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Scott Sullivan | Aug 27, 2026

Permission to Spend in Retirement: A Skill Rarely Taught

Retirement
Lifestyle
Finance
Savings
Family

For decades, you trained one financial muscle: save, invest, don't touch it. Then retirement arrives and asks you to do the opposite.

Nobody teaches that part

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Scott Sullivan | Aug 19, 2026

The Quiet Tax Window Between Work and Age 73

Retirement
Retirement Planning
Retirement Income
The "Use It or Lose It" Window
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Scott Sullivan | Aug 18, 2026

Why the First Few Years of Retirement Matter More Than the Average

Retirement
Retirement Planning
Retirement Income
How does your first year of retirement look?
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Scott Sullivan | Aug 11, 2026

The Three Buckets That Keep a Down Market From Ruining Your Retirement

Retirement Planning
Retirement Income
Are your buckets in order?
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Scott Sullivan | Aug 5, 2026

What to Do With Your Next Dollar: A Financial Order of Operations

Finance
Savings
Investments
Retirement
Risk Management

What do you do when you earn well and have generally dialed in the fundamentals: save, invest, reduce debt, stay protected? The challenge was never knowing what

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Scott Sullivan | Aug 4, 2026

Safety-first retirement income: how to find your own style

Retirement
Retirement Planning
Retirement Income
which style works for you?
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Scott Sullivan | Jul 28, 2026

Buckets and structured income: two middle-path retirement styles

Retirement
Retirement Planning
What does your retirement style look like?
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Scott Sullivan | Jul 21, 2026

The total return approach to retirement income, in plain language

Retirement
Retirement Income
Which retirement style works for you?
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Scott Sullivan | Jul 17, 2026

Trump Accounts: What Parents and Grandparents Should Know

education
Savings
Family
Tax Planning
Finance
Investments

Trump Accounts have been in headlines for months. Few of those headlines explain them the same way.

Depending on the article, they sound like a college fund, a

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Scott Sullivan | Jul 14, 2026

Why two retirees with the same risk tolerance need different plans

Retirement
Retirement Planning
Retirement Income
How's your income style looking?
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Scott Sullivan | Jul 8, 2026

The Trap of Recency: Why the Last Two Weeks Feel Like the Whole Story

Retirement
Retirement Planning
investing
Weathering the storm!
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Offices

Bedford Office

2 Beaudoin Street, Suite A
Bedford, NH  03110

E: john@bayptfin.com
P: 603-626-6699

Laconia Office

144 Pleasant Street
Laconia, NH  03246

E: scott@bayptfin.com
P: 603-581-2629

 
 

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