Behind the scenes, we’re already beginning our year-end retirement planning and tax planning for clients. Every client's situation is different, of course, but there are several areas we're particularly focused on as we head into the final months of 2026.
Retirement planning is full of catchy sayings that sound wise and show up in nearly every conversation about money. Some are genuinely helpful. Others are a little too neat for real life. For women and couples preparing for or living in retirement, the difference really matters.
For many women at SpaceX, the possibility of an IPO may feel exciting, unfamiliar, and a little overwhelming all at once. A major liquidity event can open the door to new possibilities, but it can also raise important questions about taxes, timing, investing, and how to turn paper wealth into lasting financial confidence.
If you have followed the news lately, it may feel like the markets are constantly reacting to the next crisis, headline, or global event. For many investors, especially those approaching or living in retirement, that uncertainty can feel unsettling. However, when we step back and look at the bigger picture, a different story appears.
While taxes are rarely anyone’s favorite topic, they do play an important role in protecting the life you have built and the flexibility you value. Our goal is simple: reduce friction, increase clarity, and help you move through tax season feeling prepared rather than pressured.
Beginning January 1, 2026, SECURE 2.0 requires that catch-up contributions must be designated Roth (after-tax), but only for certain high earners: • If your FICA wages from the prior year exceed $150,000, all catch-up amounts you make in 2026 must be Roth — not pre-tax. That means the extra $8,000 or $11,250 in catch-up contributions must be made with after-tax dollars, deposited into a Roth 401(k).