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Empower your career, business and finance journey w/insights from 'Who Ya Know' by CPW Strategies. We are not licensed in all jurisdictions.

CEO Trevor Houston, President Mark Elder, along with Darnell Johnson, Brittany Hendry, and Peyton Grantham, are Financial Services Professionals offering securities products and services through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency and New York Life Company. They are also licensed to sell insurance through New York Life Insurance Company and may be licensed with v

arious other independent unaffiliated insurance companies. Trevor Houston | CA Insurance License #4115650 Mark Elder | CA Insurance License | Darnell Johnson AR Insurance License #19479700

Jorge Arteaga is an Agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies. Neither ClearPath Wealth Strategies LLC, nor New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professionals before making any decisions. ClearPath Wealth Strategies LLC is not owned or operated by New York Life Insurance Company or its affiliates. Any testimonial on this site is based on an individual’s experience and may not be representative of the experience of other customers. These testimonials are no guarantee of future performance or success.

2600 Network Blvd. Ste. 130 Frisco, TX 75034
Office: (972) 377-5222
Cell: (214) 585-1934
Email: [email protected]
Website URL: https://www.clearpathwealthstrategies.com

09/08/2026

One of the hardest moments in retirement planning is when something doesn't make sense.

A retirement account balance looks wrong.

Statements stop arriving.

You begin wondering whether years of hard work have somehow disappeared.

I recently shared my thoughts in an article featured in MarketWatch and MSN, about a couple facing exactly that situation.

My advice wasn't to panic.

It was to pause.

Too often, people assume the worst before they have the full picture.

But retirement assets don't simply disappear.

If something looks wrong, ask questions.

Call HR.

Contact the retirement plan provider.

Request documentation.

Follow the paper trail.

As I shared in the article:

"Let's go find it."

That same principle applies beyond a missing 401(k).

When retirement feels uncertain, your first priority shouldn't be making dramatic financial decisions.

It should be creating clarity.

That's why I often tell people to focus on two things:

• Stabilize your finances.

• Simplify your financial life.

Understand where every dollar is.

Reduce unnecessary complexity.

Know your options before making permanent decisions.

Financial confidence doesn't come from having all the answers immediately.

It comes from taking the next right step.

Sometimes the most valuable thing you can do isn't finding a new strategy.

It's finding the information you already deserve to have.

08/25/2026

One of the biggest retirement mistakes isn't making bad investment decisions.

It's making life more complicated than it needs to be.

I recently shared this perspective in an article (featured in Yahoo Finance, AOL, and GOBankingRates) discussing how retirees are finding smarter ways to stretch their retirement savings.

One strategy that often gets overlooked?

Simplifying what you've already built.

After working for decades, it's common for people to have retirement accounts scattered across multiple employers.

Old 401(k)s.

Forgotten accounts.

Different investment platforms.

Different fees.

Different paperwork.

Consolidating those accounts, when it makes sense for your situation, can make retirement easier to manage and reduce the chances of losing track of part of your savings.

But that's only one piece of the puzzle.

Retirement isn't just about having enough money.

It's about creating a plan that supports the life you want to live.

That includes:

- Creating reliable retirement income

- Keeping part of your portfolio positioned for long-term growth

- Staying healthy to help reduce future healthcare costs

Often, the smartest retirement strategies aren't the most complicated.

They're the ones that bring clarity.

Because the less time you spend managing financial clutter…

The more time you can spend enjoying retirement.

What's one financial task you've been putting off that would simplify your life?

PS: Read the full article here: https://www.gobankingrates.com/retirement/planning/financial-experts-clever-ways-boomers-are-saving-money-in-retirement/

08/18/2026

One of the biggest misconceptions about changing careers after 50 is that you have to start over.

You don't.

In fact, the people who make the most successful career transitions usually do the exact opposite.

I shared this perspective in an article featured in Daily Mail.com, discussing high-paying second careers for professionals over 50.

One point I emphasized was this:

The most successful career changes aren't random job moves. They're leveraged moves.

Think about everything you've built over the last 20 or 30 years:

- Leadership

- Communication

- Industry expertise

- Problem-solving

- Relationships

Those aren't things you leave behind.

They're the reason someone hires you.

That's why many professionals successfully transition into consulting, project management, sales leadership, financial advising, and business advisory roles.

They're not starting from zero.

They're building on decades of experience.

Too often, people underestimate the value of what they've already learned because it feels ordinary to them.

But to someone else?

That experience solves expensive problems.

Your next career doesn't need to erase your first one.

It should capitalize on it.

If you're considering a career pivot, ask yourself this:

How can I leverage what I already know instead of trying to reinvent myself?

PS: Read the full article here:

https://www.dailymail.com/yourmoney/article-15789413/second-careers-americans-experience-earnings.html

08/11/2026

A $40,000 car in retirement isn’t a spending decision.

It’s a tax decision.

I shared this perspective in features with MarketWatch and MSN and it’s a question more retirees are asking:

“Which account should I use?”

Because once the paycheck stops, the game changes.

It’s no longer about:

“Can I afford this?”

It’s about:

“What does this decision do to my future?”

I’ve seen situations like this often:

- $1M+ in IRAs
- Brokerage accounts
- Roth accounts growing tax-free

And then comes a simple purchase:

A $40K car.

Seems straightforward.

But it isn’t.

Because where you take that $40K from can impact:

- Your future tax bill
- Your portfolio longevity
- Your flexibility later in retirement

For example:

Pulling from a Roth IRA might feel easy (no taxes today)

But that money was growing tax-free.

Once it’s gone, it’s gone.

On the other hand:

A brokerage account may create capital gains.

An IRA withdrawal may increase taxable income.

So the real question becomes:

What’s the long-term trade-off?

Even financing, something many retirees avoid, can sometimes make sense.

Not because debt is “good,”

But because preserving your portfolio and managing taxes matters more.

The takeaway isn’t “always do X.”

It’s this:

At this stage, every financial decision is connected.

And the smartest move is understanding the impact before the action.

Read the full article here: https://lnkd.in/gpwvUGYe

08/04/2026

The biggest retirement mistake?

Treating Social Security like a guarantee.

I was recently featured in GOBankingRates, , Yahoo Finance, and AOL, discussing how each generation should approach Social Security in their retirement plan.

Here’s the reality:

Social Security is important.

But it should never be the foundation.

For Gen Z and Millennials, I wouldn’t build around it at all.

Focus on what you can control: saving, investing, building multiple income streams.

When you build assets, you build confidence.

When you rely solely on programs, you build uncertainty.

For Gen X, things get more serious.

You’re close enough to retirement that changes matter.

Benefits could be delayed. Adjusted. Taxed differently.

Plan conservatively.

Treat Social Security as a supplement, not your primary engine.

For Baby Boomers, it’s often a meaningful piece of income.

But strategy still matters.

When you claim.
How it coordinates with other income.
How it impacts your taxes.

I’ve seen people lose thousands simply by rushing that decision.

Every generation faces a different retirement reality.

But the principle stays the same:

Social Security should support your plan.

It should not be your plan.

07/23/2026

For years, we treated college like the default answer.

Not an option. The option.

But more parents are starting to question whether that assumption still makes sense.

I recently shared this perspective in articles featured in Fortune, MSN, and inkl:

"Parents are waking up. College doesn't carry the same ROI it once did because the cost is outrageous, and the outcome is uncertain."

That doesn't mean college has no value.

It absolutely does.

For many careers, it's still the right path.

But what has changed is the idea that every student should follow the same roadmap.

Today, parents are looking at:

- Rising education costs

- Uncertain hiring markets

- Growing student debt

- Skills-based careers with strong demand

And they're asking a different question.

Not: "Should my child go to college?"

But: "What's the best path for my child?"

Trade schools.
Apprenticeships.
Certifications.
Technical training.
Skills-first careers.

These are no longer backup plans.

They're legitimate pathways to meaningful careers, financial stability, and long-term success.

The future belongs to people who develop valuable skills.

The method they use to get there is becoming increasingly flexible.

If you were advising a teenager today, would college still be your default recommendation?

PS: Read the full story here: https://fortune.com/article/trade-school-vs-college-parents-job-market/

07/14/2026

One of the biggest retirement mistakes I see?

People assume they'll figure out travel later.

But later is often too late.

I recently shared in an article (featured in GOBankingRates and AOL) that if travel is one of your retirement goals, it shouldn't be treated as an afterthought.

It should be part of the plan.

Too often, people spend decades preparing for housing, healthcare, and retirement income…

But never calculate what their dream retirement lifestyle will actually cost.

That includes travel.

Whether you dream of:

An annual Caribbean cruise

Exploring Japan and Switzerland

Taking the grandkids on family vacations

The question isn't:

"Can I afford to travel in retirement?"

The better question is:

"What do I need to do today to make that possible?"

A few things I encourage people to consider:

- Create a dedicated travel fund before retirement

- Be realistic about the type of travel you want

- Estimate costs before you retire, not after

- Consider slow travel instead of rushing between destinations

- Think about who will be traveling with you

Travel can absolutely be part of retirement.

But like most financial goals, it doesn't happen by accident.

It happens through planning.

What's on your retirement travel bucket list?

PS: Read the full article here: https://www.aol.com/finance/afford-travel-every-retirement-experts-222106071.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAAx1WFke-s5fa0M5zBDKfG58m4SeM5dds2DU5mqPjuzgRJZdw3cKYjEN_fBBWkxuUu-0esfGuUaII8rAfHENcpdcO6CIeDCA24RcmzKPawLYbl1i2FAYEQmA-c2kYDnbX1urvwaTPC5uDiRgLtcY4Sywqp1bACHZA43IuS6m1XZT

07/08/2026

If you want to build a personal brand…

Put yourself on the calendar.

Most people think confidence comes first.

It doesn't.

Commitment comes first.

One of the best decisions I ever made was going live from the very first episode.

Was I nervous?

Absolutely.

But here's what I learned.

Pressure creates diamonds.

When you schedule a LinkedIn Live…

Host a webinar…

Or create a LinkedIn Event…

You're doing more than planning a presentation.

You're creating accountability.

If you tell people you'll be live on Wednesday at 3:00…

Guess what?

Wednesday at 3:00 comes whether you feel ready or not.

So you prepare.
You practice.
You show up.

Week after week.

That's how confidence is built.

Not by waiting until you're ready.

By keeping the promises you make to yourself.

Here's the part most people overlook.

That one live session isn't just one piece of content.

It's the foundation of your entire content strategy.

Record it.

Turn it into short clips.

Pull out the best quotes.

Write a newsletter from the transcript.

Create carousel posts.

Share the biggest lessons.

One conversation can become weeks of valuable content.

And every piece reinforces the same message:

You're someone worth listening to.

Because people don't trust experts who appear once.

They trust experts who consistently show up and solve problems.

That's what visibility really is.

Not chasing attention.

Creating value often enough that people remember your name.

(Consistency is the reputation builder. Content is simply the evidence.)

P.S. If you've been waiting until you feel confident enough to hit "Go Live"...

Flip the equation.

Schedule it first.

Your calendar might build your confidence faster than your thoughts ever will.

07/07/2026

When people think about retirement, they often focus on one question:

"How much money do I need?"

But sometimes the better question is:

"Where can my money go further?"

I recently shared my thoughts in an article featured in GOBankingRates, and AOL discussing affordable cities where retirees may be able to live on roughly $1,500 per month.

One point I made stood out to me:

"You can maintain your retirement budget while still living near the water."

Too often, retirement planning becomes an exercise in sacrifice.

People assume affordability means giving up community, recreation, healthcare access, or quality of life.

That's not always true.

Cities like Erie, Pennsylvania and Youngstown, Ohio demonstrate that affordability and lifestyle can coexist when expectations align with reality.

Of course, there are tradeoffs.

No location is perfect.

But retirement success isn't determined solely by the size of your portfolio.

It's influenced by how well your lifestyle, spending, healthcare needs, and location fit together.

The most successful retirees I've seen don't necessarily spend the least.

They simply make intentional decisions.

Because retirement isn't about finding the cheapest place to live.

It's about finding the right place to live.

If you could retire anywhere in the U.S., what would matter most:

🌊 Access to nature
🏥 Healthcare
👥 Community
💰 Affordability

Let me know below.

Read the full story here:
https://lnkd.in/grGEfkCN

06/23/2026

The biggest retirement mistake?

Treating Social Security like a guarantee.

I was recently featured in GOBankingRates, , Yahoo Finance!, AOL, discussing how each generation should approach Social Security in their retirement plan.

Here’s the reality:

Social Security is important.

But it should never be the foundation.

For Gen Z and Millennials, I wouldn’t build around it at all.
Focus on what you can control: saving, investing, building multiple income streams.

When you build assets, you build confidence.
When you rely solely on programs, you build uncertainty.

For Gen X, things get more serious.
You’re close enough to retirement that changes matter.

Benefits could be delayed.
Adjusted.
Taxed differently.

Plan conservatively.
Treat Social Security as a supplement, not your primary engine.

For Baby Boomers, it’s often a meaningful piece of income.
But strategy still matters.

When you claim.
How it coordinates with other income.
How it impacts your taxes.

I’ve seen people lose thousands simply by rushing that decision.

Every generation faces a different retirement reality.

But the principle stays the same:

Social Security should support your plan.

It should not be your plan.

Address

2600 Network Boulevard
Frisco, TX
75034

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.clearpathwealthstrategies.com/

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