Crossroads Financial

The Retirement Kit.

Straight talk on retirement, from Kit Kitchens. Plain-English thoughts on income, long-term care, annuities, and leaving a legacy. Written for Central Georgia families, not Wall Street.

June 10, 2026 · 5 min read

How Do People Actually Pay for Long-Term Care? 7 Options, Explained Simply

Spend five minutes on any caregiving forum and you'll find the same question over and over: how does anyone actually afford long-term care? Here are the seven ways families pay for…

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May 20, 2026 · 2 min read

Why I Built a Long-Term Care Conversation Starter Kit (And Why It's Free)

There's one conversation in all of financial services that nobody wants to have. Not clients. Not financial advisors. Nobody. Long-term care. I get it. It's uncomfortable. Nobody w…

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April 7, 2026 · 3 min read

Your Retirement Savings Were Always Meant to Become Your Paycheck. Don't Let the Market Change That.

Retirement is what happens when you go from putting your income into savings to using your savings for income. That's really it. Decades of work, decades of setting money aside, an…

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November 12, 2025 · 7 min read

Creating Guaranteed Lifetime Income: A Guide for Central Georgia Families

Pull up a chair with me for a minute. If you’re like a lot of folks I meet in Perry, Warner Robins, or Macon, you want your savings to feel like a steady paycheck. Not a guessing g…

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September 8, 2025 · 7 min read

Why Crossroads Financial Stands Out: Your Trusted Partner for Retirement Planning in Perry, Georgia

When it comes to securing your financial future, choosing the right advisor can make all the difference between a comfortable retirement...

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August 20, 2025 · 5 min read

Inheritance Tax Planning: Which Assets Are Best for Leaving Money to Your Heirs?

Planning your legacy isn't just about how much you leave behind. It's about how much your loved ones actually get to keep. The IRS treats different types of assets very differently…

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August 14, 2025 · 5 min read

The Hidden Financial Threat Every Georgia Retiree Must Address: Long-Term Care Costs

You've worked 30+ years, diligently saved for retirement, and finally reached that milestone where you can enjoy your golden years. Then, unexpectedly, you or your spouse needs lon…

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August 4, 2025 · 3 min read

Is My Annuity Bad? Understanding Whether Your Annuity Is the Right Fit

Concerned about your annuity purchase? Learn how to evaluate if your annuity is right for your retirement planning goals. Discover key warning signs, assessment steps, and optimiza…

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Disclaimer: The information provided on this website is for educational purposes only and is not intended as legal, tax, or investment advice. I am licensed to offer life, health, and annuity products in Georgia and Florida. I specialize in retirement income strategies and tax minimization approaches; however, I do not offer tax or legal advice. Guarantees on insurance products are subject to the claims-paying ability of the issuing carrier. All recommendations are made based on the information you provide and are designed to align with your individual goals and circumstances.