Capstone Investments – February 25, 2026

By Bryce Pease CFP® Accredited Investment Fiduciary® Casey Morris CFP® Capstone Pacific Investment Strategies, Inc. California, Colorado, Nebraska

Saving.  It’s the ultimate test of a person’s discipline, because it means putting off immediate gratification in favor of long-term happiness.  It means prioritizing what we want the most over what we only want right now.  

When we think of saving for retirement, we often tend to think in big buckets:  We contribute to a 401(k), IRA, or other type of vehicle in order to grow – hopefully—a bigger and bigger pile of cash on which to draw from once we retire and stop earning a paycheck.  But sometimes, it helps to break down the concept of saving into more specific strategies for more specific purposes.  By doing this, we ca take advantage of all possible ways to save for retirement…while maximizing all the fun and fulfilling things we want with our savings.

Is 2026 the year you finally remodel the kitchen or put in a new deck?  Maybe it’s the year you decide to take your family to the upcoming World Cup – the last time it was held in the US was 1994, after all.  Or maybe you really want to buy that boat, RV, or motorcycle you’ve had your eye on.  Perhaps it’s all of the above and much more!

Each year, there are always multiple things we want to do and accomplish.  But retirement doesn’t just last one year.  For many people, it can last for 20 or 30 years, and sometimes even more!  Think about it:  30 years to take off all the items on both your bucket list and your “honey-do” list.

But retirement doesn’t mean those things will just automatically happen.  Most of them will cost money – and when you’re drawing from one big bucket labeled “retirement savings,” it can sometimes be difficult to know what to prioritize, how much to spend, or even if you can actually afford it.

That’s why one of the most important things you can do when saving for retirement is to not just “save for retirement.”

Instead, save for the specific things you want to do in retirement!  More on retirement savings in our next article.

Casey and Bryce

626-915-7006      email: info@capstonepacificinc.com   website: capstonepacificinc.com