Pāhonoa te oro

Many retirees keep most of their savings in the safest place they can think of… the bank. Savings accounts. Checking accounts. Certificates of deposit. It feels safe. It feels simple. And for decades, that strategy worked reasonably well. But recently, something interesting has been happening. More retirees are quietly moving large portions of their savings out of traditional bank accounts. Not because banks are unsafe… but because the numbers simply are not working anymore. Let’s look at