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Resources / Start with understanding

A clearer view
of your capital.

Practical tools to organize the questions that matter before you make financial decisions.

Investment & Retirement Guide 2026

Understand your investment
and retirement options.

A 47-page guide by Brian Shaquille covering investment types, retirement accounts, risks and tax considerations, with a personal planning worksheet.

  • Investment options, risks, liquidity and comparison tools.
  • Retirement accounts and 2026 rules and limits. Verify current rules with IRS and provider sources before use.
  • A personal planning worksheet and a glossary of key terms.

2026 edition · Editorial update November 6, 2026. To report a correction, email aurumstrategytx@gmail.com.

Get your investment & retirement guide.

Free PDF · 47 pages · by Brian Shaquille

Education only - not investment, tax, or legal advice. Aurum Strategy TX provides general financial education, budgeting help, and business consulting. We are not a registered investment adviser or broker-dealer, we do not sell securities or any financial product, and we do not recommend that you buy, sell, or hold any investment. We do not take custody of your money, access your accounts, or make or execute decisions for you - you control your accounts and make every final decision, independently or with a licensed professional you engage. Investing involves risk, including loss of principal. No return, savings, tax, or business outcome is promised or guaranteed. Full terms and disclosures.

This guide is impersonal, general education published for a general audience. It was not prepared for any individual reader, does not take any reader's circumstances into account, and must not be treated as a personal recommendation. Verify 2026 rules and limits against current IRS and provider sources before use.

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Planning examples

Different starting points.
A defined decision process.

Explore common planning questions and the frameworks used to examine them.

Planning example 01

The employee with scattered records

Where can I find the information to take to my adviser?

Explore the planning approach

Planning focus: bring statements, provider details and savings goals into one file.

The framework

List account types, record the dates on statements and collect questions about fees or restrictions for the provider.

What to evaluate

Concentration risk, restrictions, taxes, timing and the possibility of loss. A framework can support decisions; it cannot promise a return.

Planning example 02

The founder with uneven cash flow

Is a structured mandate worth the investment for my business?

Explore the planning approach

Planning focus: understand a business’s cash cycle, define reserves and compare the scope of a fixed-fee mandate.

The framework

Clarify the fixed fee and deliverables, map operating cash cycles, separate working liquidity from reserves and model different business conditions.

What to evaluate

Cash runway, customer concentration, debt obligations and the assumptions behind growth plans. Changes in profit or margins depend on execution and market conditions.

Planning example 03

The property owner balancing liquidity

How do I know a financial framework will fit my situation?

Explore the planning approach

Planning focus: connect property commitments, financing and accessible reserves before considering a change.

The framework

List mortgage payments, insurance renewals and maintenance estimates on a cash calendar.

What to evaluate

Vacancy, maintenance, financing costs and illiquidity. The client reviews the research and independently decides whether to act.

Working with Brian

Understand the reasoning.
Keep control of the decision.

Clear explanations

Discuss the risks, opportunities and assumptions behind each framework, with room to ask questions.

Defined scope & fees

Review what is included, the timeline and the fixed price before starting an engagement.

Independent client control

Use the worksheets with your own records. We do not select investments or monitor your holdings.

Explore Services & PricingExplore Brian’s background