May 2025

Hello Josh,

In the world of personal finance, timing isn’t just important—it’s essential. Knowing when to make key decisions can have a lasting impact on your financial well-being. This month, we’re focusing on the power of timing: whether it’s choosing the right moment to begin taking Social Security, deciding how long to keep your money growing in the stock market or your 401(k), or harnessing the long-term power of compound interest. These are decisions that can’t be taken lightly.

Having a solid financial plan gives you clarity and direction - and that’s exactly what we’re here to provide. At Sentient Wealth Group, we help you navigate these critical moments with personalized advice and a strategy designed around your goals. You don’t have to make these decisions alone; you can count on us to help you make the most of every financial opportunity.

If it’s been a while since we last reviewed your plan, now is the perfect time to check in. Contact us today to schedule your personalized financial review—we’re here to help you stay on track and make every moment count.

Sincerely,

Sentient Wealth Group

Should You Take Social Security Early? 3 Factors to Consider

For many, the decision of when to start Social Security benefits is one of the most important—and often misunderstood—parts of retirement planning. While waiting until full retirement age can increase your monthly benefit, there are situations where starting earlier might make more sense.

In our latest video, Josh Decker, CFP®, shares three key reasons why claiming benefits before full retirement age could be a strategic choice. Whether you’re planning for your own retirement or guiding a family member through the process, this short video will give you valuable insights into the pros and cons of claiming early.

3 Reasons to Draw Social Security Before Your Retirement Age

The Power of Compounding: Grow Your Wealth Faster

Compound interest grows your money faster by earning “interest on interest.” The more often it compounds, the greater the impact—on savings or debt. Learn how to use it wisely to build long-term wealth.

Americans Are Retiring Later: Will This Trend Continue?

Average retirement age is now about three years higher than in the 1990s, according to the Center for Retirement Research. While nearly 60% of adults hope to retire before 65, shifting work trends and greater workforce participation are key reasons for the delay.

Social Security's Full Retirement Age is Increasing in 2025

While many Americans still view 65 as the standard retirement age, the full retirement age (FRA) for Social Security is already higher—and it’s set to increase in 2025. FRA determines when you can claim full benefits, which depend on work history and lifetime earnings.

Think Twice About Cashing Out

During market selloffs, it’s natural to feel uneasy—but rushing to cash out often does more harm than good. Research shows that investors who panic and pull out of the market typically miss the rebound, leading to lower long-term returns and lasting regret.

The True Cost of Withdrawing Early From Your 401(k)

When life throws a financial curveball, it’s easy to eye your 401(k) as a quick fix. But before you tap into your retirement savings early, it’s crucial to understand the real cost — from taxes and penalties to long-term lost growth.

In this month’s featured blog, we break down what you need to know before dipping into your 401(k), explore smarter alternatives, and explain why protecting your retirement fund could be one of the best financial decisions you’ll ever make.

Read on — and if you’re unsure of your next move, we’re here to help.

Learn More About the True Costs of Early Withdrawal

Sentient Spotlight

Save the Date: Shredding Event! We are thrilled to announce our Shredding Event coming up later this summer, and we’re excited to invite not only our valued clients but also their friends and family! Bring your old documents and securely shred them – it’s a great way to declutter while keeping your information safe. Stay tuned for more details coming soon!

Sentient Wealth Group

768 Southcross Drive West, Burnsville, MN 55306

952-229-4123 | info@sentientwealthgroup.com

sentientwealthgroup.com

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