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THE NFF BLOG
PLAIN-ENGLISH INSIGHTS ON RETIREMENT
Articles from Daniel, Randy and the Nations First Financial team on the questions Arizona families ask us most: turning savings into lifetime income, annuities, taxes in retirement, Social Security timing, and leaving a legacy the right way. New posts are added regularly — browse by category below or start with the latest.
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What Randy Rondberg Wants Arizona Families to Know Before They Retire
By Randy Rondberg Retirement should be something you look forward to. But for many families, the closer retirement gets, the more questions begin to surface. Have we saved enough? When should we start Social Security? How much can we comfortably spend? What happens if the market falls? How will we pay for healthcare? Will our income keep up with rising costs? Can we actually afford to enjoy the retirement we have spent decades preparing for? After 25 years in the financial se
Randy Rondberg
7 min read
Buy, Borrow, and Die: A Smarter Way to Build, Use, and Pass on Wealth
For decades, most Americans have been taught the same financial formula: Work. Save. Pay taxes. Invest. Retire. Spend your assets. While there’s nothing inherently wrong with that path, it may not be the most efficient way to build generational wealth. Many of America’s wealthiest families follow a different philosophy, often referred to as “Buy, Borrow, and Die.” At Nation’s First Financial, we don’t believe this is a magic strategy or a one-size-fits-all solution. But when
Daniel Rondberg
3 min read
Diversification in Retirement: Why Growth, Protection & Tax Planning Matter
Diversification in Retirement: Why Growth, Protection & Tax Planning Matter Diversification Is More Than Investing—It's About Building Retirement Confidence When most people hear the word diversification, they immediately think about spreading their investments across different stocks, bonds, or mutual funds. While that's certainly part of the equation, true diversification goes much deeper—especially in retirement. At Nation's First Financial, we believe diversification isn'
Michael Digangi
3 min read
What Today’s Economy Means for Retirees in 2026
Retirement planning does not happen in a vacuum. The economy changes, markets shift, inflation rises and falls, and interest rates move with it. In 2026, retirees are facing a mix of good news and real concerns: the economy has remained more resilient than many expected, but inflation is still not fully under control, interest rates remain elevated, and the headlines around Social Security continue to create anxiety. So what does all of that actually mean for someone who is r
Michael Digangi
2 min read
Pay Off Your Mortgage in 5-7 Years! Revealed!
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Daniel Rondberg
1 min read
The Reason Why HECMs Make Sense in Retirement
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Daniel Rondberg
1 min read
The GUL Retirement Income's Best Kept Secret
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Daniel Rondberg
1 min read
Can’t qualify for life insurance? WATCH THIS! | Annuities Can Have Death Benefits
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Daniel Rondberg
1 min read
Arizona Real Estate Market Crash Update
In this video, I'm providing an update on the Arizona Real Estate Market Crash. As you may know, the Arizona Real Estate market has been...
Daniel Rondberg
1 min read
Boost Retirement Income With A Split Annuity Concept!
Are you looking to boost your retirement income? Check out this split annuity concept! In this video, I'll share with you how this works...
Daniel Rondberg
1 min read
How To Survive a Recession | WARNING: Depression May Be Coming!
In this video, I'm warning you about the dangers of a recession and how to prepare for it. Depression may be coming, and it's not going...
Daniel Rondberg
1 min read
Daniel Reacts to Kris Krohn's Take on Whole Life Insurance
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Daniel Rondberg
1 min read
Daniel Responds to Dave Ramsey Annuity Video
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Daniel Rondberg
1 min read
Medicare Plans Explained (2022 update!)
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Daniel Rondberg
1 min read
Borrowing Money To Fund Your Life Insurance??? | Premium Finance Explained!
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Daniel Rondberg
1 min read
Can you answer these 3 BASIC questions about your retirement plan?
Are you wondering what to do with your retirement plan? In this video, we'll ask you 3 basic questions about your retirement plan and...
Daniel Rondberg
1 min read
How I Set Up My MECs
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Daniel Rondberg
1 min read
The College Planning Strategy That Can Save You Over $100,000 For Your Retirement
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Daniel Rondberg
1 min read
How Indexed Annuities Work: The Goose and The Golden Egg
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Daniel Rondberg
1 min read
The “New” Annuity
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Daniel Rondberg
1 min read
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