--- title: The Pulse | David Sizemore description: Vice President of Investments, Retirement Advisor CERTIFIED FINANCIAL PLANNER® --- - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [Our Commitment to You](https://scmadvice.com/our-commitment-to-you/) - [Our Fees](https://scmadvice.com/our-fees/) - [What We Do](https://scmadvice.com/what-we-do/) - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/) - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/) - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/) - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/) - [Wealth Management](https://scmadvice.com/wealth-management/) - [Financial Planning](https://scmadvice.com/financial-planning/) - [Pension Analysis](https://scmadvice.com/pension-analysis/) - [Social Security Analysis](https://scmadvice.com/social-security-analysis/) - [About SCM](https://scmadvice.com/who-we-are/) - 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[Our Fees](https://scmadvice.com/our-fees/) - [What We Do](https://scmadvice.com/what-we-do/) - [401(k) Plan Management](https://scmadvice.com/401k-plan-management/) - [403(b) Plan Management](https://scmadvice.com/403b-plan-management/) - [Thrift Savings Plan (TSP) Management](https://scmadvice.com/thrift-savings-plan-tsp-management/) - [Health Savings Account (HSA) Management](https://scmadvice.com/health-savings-account-hsa-management/) - [Wealth Management](https://scmadvice.com/wealth-management/) - [Financial Planning](https://scmadvice.com/financial-planning/) - [Pension Analysis](https://scmadvice.com/pension-analysis/) - [Social Security Analysis](https://scmadvice.com/social-security-analysis/) - [About SCM](https://scmadvice.com/who-we-are/) - [Our Story](https://scmadvice.com/our-story/) - [Our Team](https://scmadvice.com/who-we-are/our-team/) - [Quick Facts](https://scmadvice.com/who-we-are/quick-facts/) - [Who We Help](https://scmadvice.com/our-clients/) - [Getting Organized and On Track](https://scmadvice.com/getting-organized-and-on-track/) - [When Can We Retire?](https://scmadvice.com/when-can-we-retire/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [Quick Guides](https://scmadvice.com/quick-guides/) - [Start Now](https://info.scmadvice.com/contact-us) [![Scarborough Capital Management](https://blog.scmadvice.com/hubfs/ScarboroughCapitalManagement_June2019/Images/logo.png)](http://134.209.5.42) Menu # Author: David Sizemore ### Newsletter Subscribe to our monthly newsletter ### Categories - [Personal Finance (38)](https://blog.scmadvice.com/tag/personal-finance) - [financial advisor (38)](https://blog.scmadvice.com/tag/financial-advisor) - [wealth management annapolis (35)](https://blog.scmadvice.com/tag/wealth-management-annapolis) - [Retirement (12)](https://blog.scmadvice.com/tag/retirement) - [Retirement Planning (5)](https://blog.scmadvice.com/tag/retirement-planning) - [Annapolis (4)](https://blog.scmadvice.com/tag/annapolis) - [College Savings (2)](https://blog.scmadvice.com/tag/college-savings) - [401(k) (1)](https://blog.scmadvice.com/tag/401k) - [Investing (1)](https://blog.scmadvice.com/tag/investing) See all ### Popular posts - [![Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/hubfs/401k.jpeg)](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) [Optimizing 401(k) Contributions In 2026: Pre-Tax Or Roth?](https://blog.scmadvice.com/optimizing-401k-contributions-in-2026-pre-tax-or-roth) by [Gregory S. Ostrowski](https://blog.scmadvice.com/author/gregory-s-ostrowski) - [![12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/hubfs/April4.jpg)](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1) [12 Threats to Retirement Many People Aren't Prepared For](https://blog.scmadvice.com/12-threats-to-retirement-many-people-arent-prepared-for-1) by [Jon Szostek](https://blog.scmadvice.com/author/jonathan-w-szostek) - [![Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/hubfs/SCM-FiveStar-1%20(1).png)](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers) [Seven of Scarborough's Financial Advisors Named Five-Star Wealth Managers](https://blog.scmadvice.com/seven-of-scarboroughs-financial-advisors-named-five-star-wealth-managers) by [Scarborough Capital Management](https://blog.scmadvice.com/author/scarborough-capital-management) - [![8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/hubfs/SCM-Nov1.jpg)](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2) [8 Questions to Ask Yourself Before Making a Major Purchase](https://blog.scmadvice.com/8-questions-to-ask-yourself-before-making-a-major-purchase-2) by [David Herman](https://blog.scmadvice.com/author/david-herman) ## David Sizemore ![David Sizemore](https://blog.scmadvice.com/hubfs/Sizemore%20Blog.jpg) Vice President of Investments, Retirement Advisor CERTIFIED FINANCIAL PLANNER® ### Recent Posts ##### [The Retirement Paradox: Why Careful Savers Struggle to Spend](https://blog.scmadvice.com/the-retirement-paradox-why-careful-savers-struggle-to-spend) By: [David Sizemore](https://blog.scmadvice.com/author/david-sizemore) Aug 14, 2026 You spent 40 years building the nest egg. Here's why letting yourself use it is the harder skill — and how a plan gives you permission. [Read More](https://blog.scmadvice.com/the-retirement-paradox-why-careful-savers-struggle-to-spend) ##### [Born After 1990? Here’s Your 10-Point Guide to Investing](https://blog.scmadvice.com/born-after-1990) By: [David Sizemore](https://blog.scmadvice.com/author/david-sizemore) Mar 04, 2026 If you were born in the 1990s, chances are you have a pretty busy life with mounting financial responsibilities. Maybe you have student loans, a\[...\] [Read More](https://blog.scmadvice.com/born-after-1990) ##### [14 Questions For Joining Finances With Your Significant Other](https://blog.scmadvice.com/14-questions-for-joining-finances-with-your-significant-other-1) By: [David Sizemore](https://blog.scmadvice.com/author/david-sizemore) Sep 10, 2025 Much like figuring out where you’ll eventually settle or if children or pets are in your future, determining if, how, or when you’ll merge your\[...\] [Read More](https://blog.scmadvice.com/14-questions-for-joining-finances-with-your-significant-other-1) ##### [Long-term Care Insurance: What to Know to Help Protect Your Wealth (Part Two)](https://blog.scmadvice.com/long-term-care-insurance-what-to-know-to-help-protect-your-wealth-part-two) By: [David Sizemore](https://blog.scmadvice.com/author/david-sizemore) Jul 24, 2025 Retirement can offer the reward of leisure time for a career well spent. Vacations at the beach with family, trips abroad, and even naps in a shady\[...\] [Read More](https://blog.scmadvice.com/long-term-care-insurance-what-to-know-to-help-protect-your-wealth-part-two) ##### [Not Your (Grand)Parents’ Retirement: How Retirement Planning Has Changed](https://blog.scmadvice.com/not-your-grandparents-retirement-2) By: [David Sizemore](https://blog.scmadvice.com/author/david-sizemore) Jun 18, 2025 Editorial note: This article was originally published on July 19, 2023 and has been updated on June 18, 2025 to ensure relevance and accuracy. \[...\] [Read More](https://blog.scmadvice.com/not-your-grandparents-retirement-2) [All posts](https://blog.scmadvice.com/all) [![Scarborough Capital Management](https://blog.scmadvice.com/hubfs/ScarboroughCapitalManagement_June2019/Images/logo.png)](https://scmadvice.com/) For over 35 years, Scarborough Capital Management has been seeking to help busy people make the most of their money. With affordable 401(k) management services plus full-service financial planning and wealth management, we’re passionate about helping you achieve your financial goals… now and in the future. #### Contact - 1906 Towne Centre Blvd., Suite 260 Annapolis, MD 21401 - **Call:** 410-573-5700 or 800-200-3870 **Fax:** 410-573-5708 #### Navigate - [Why Choose SCM?](https://scmadvice.com/why-scm/) - [What We Do](https://scmadvice.com/what-we-do/) - [About SCM](https://scmadvice.com/who-we-are/) - [Who We Help](https://scmadvice.com/our-clients/) - [Free Resources](https://scmadvice.com/resources/) - [Blog](https://blog.scmadvice.com/) - [Contact Us](https://scmadvice.com/contact-us/) ##### Find on Social: - - **![Broker Check logo](https://blog.scmadvice.com/hs-fs/hubfs/Broker%20Check%20logo.png?width=140&name=Broker%20Check%20logo.png)** **Important consumer information** This site is for informational purposes only and is not intended to be a solicitation or offering of any security and: Representatives of Registered Broker-Dealer ("BD") or Registered Investment Advisor ("IA") may only conduct business in a state if the representatives and the BD and IA they represent (a) satisfy the qualification requirements of, and are approved to do business by, that state; or (b) are excluded or exempted from that state's registration requirements. Representatives of a BD or IA are deemed to conduct business in a state to the extent that they would provide individualized responses to investor inquiries that involve (a) effecting, or attempting to effect, transactions in securities; or (b) rendering personalized investment advice for compensation. We are registered to offer securities in the following states: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY. Securities offered through Independent Financial Group, LLC (IFG), a registered broker-dealer. Member [FINRA](https://www.finra.org/) / [SIPC](https://www.sipc.org/). Advisory services offered through Scarborough Capital Management, a federally registered investment Adviser under the Investment Advisers Act of 1940. Registration as an investment adviser does not imply a certain level of skill or training. IFG and Scarborough Capital Management are unaffiliated entities Information provided is from sources believed to be reliable however, we cannot guarantee or represent that it is accurate or complete. Because situations vary, any information provided on this site is not intended to indicate suitability for any particular investor. Hyperlinks are provided as a courtesy and should not be deemed as an endorsement. When you link to a third-party website you are leaving our site and assume total responsibility for your use or activity on the third-party sites. [View Part 2 of Our ADV](https://scmadvice.com/wp-content/uploads/2025/04/SCM-Part-2A-of-Form-ADV-04012025.pdf)     [View Our CRS](https://scmadvice.com/wp-content/uploads/2024/04/SCM-CRS-3-22-2024.pdf)     [SCM Privacy Policy](https://scmadvice.com/wp-content/uploads/2024/04/Privacy-Policy-3.2024.pdf) Copyright 2025. Scarborough Capital Management. All rights reserved.