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).
Every December, I see the same pattern in retirement with women. Smart, thoughtful retirees enjoy the holidays and then, almost on cue, January shows up with a quiet sense of unease.
Roth Conversion vs. Backdoor Roth. Many women we work with want to build more retirement savings in accounts that grow tax-free. Two common strategies are a Roth conversion and a backdoor Roth contribution.
Life changes such as marriage, divorce, and new grandchildren can make old beneficiary designations outdated. Reviewing and updating your beneficiaries ensures your assets go to the right people and avoids costly mistakes.
The 4% rule has long been a retirement staple…but is it still enough? From market swings to tax impacts and your own evolving life, a one-size-fits-all approach could leave your future shortchanged. Discover smarter ways to plan your withdrawals and shield the life you’ve worked for.