The Forced Roth Shift: What High Earners Need to Know About 2026 Catch-Up Contribution Changes
Starting in 2026, high earners age 50+ may be required to make catch-up retirement contributions as Roth instead of pre-tax under SECURE 2.0. This quiet change can impact current taxes, take-home pay, and long-term retirement strategy. Here’s what to know and what steps to take.
Markets in the Midst of Geopolitical Conflict
Geopolitical tensions can create uncertainty and short-term market volatility. History shows, however, that markets often adapt, recover, and continue moving forward. Learn why a disciplined, long-term approach remains the most reliable strategy during times of global conflict.
Stop Losing Tax Benefits: A Smarter Way to Give
Most people give cash and call it a day. Strategic givers think bigger — focusing on what they give, when they give it, and how it interacts with taxes. Learn four practical ways to make your charitable dollars go further, reduce taxes, and increase the impact of your generosity.
What to Do With Old Employer Retirement Plans
When you leave a job, your old 401(k) or 403(b) doesn’t have to stay behind. You typically have four options: leave it where it is, roll it into your new employer’s plan, roll it into an IRA, or cash it out. Each choice comes with different investment options, fees, and tax considerations. Taking time to review your options can help simplify your finances and ensure your retirement savings stay aligned with your overall plan.
Understanding Social Security: Whether It Will Be There, and What It Means for You
Confused about Social Security? You’re not alone. In this blog, we explain how Social Security works, how it’s funded, and why it’s likely to remain a cornerstone of retirement income. Discover what claiming age, potential policy changes, and planning strategies mean for your financial future—and how to integrate Social Security into a complete retirement plan.
When to Reach Out to a Financial Planner
Life changes like a new job, buying a home, or approaching retirement—can make decisions feel urgent. A conversation with a financial professional helps clarify priorities, explore options, and create a clear path forward. Even small steps today can bring confidence, perspective, and control over your financial future.
The Benefit of Comprehensive Planning
Just like a football team needs every player in the right role to win, your financial plan works best when taxes, estate planning, insurance, and investments are coordinated. When these elements operate together, you gain efficiency, reduce risks, and create a simplified path toward long-term goals. A comprehensive plan, paired with ongoing coordination with the right professionals, can help ensure every piece of your plan works toward supporting your financial objectives in a thoughtful and intentional way
The Why Behind SPI
I’ve always been drawn to helping others and solving problems—and that instinct naturally led me to financial planning. At Simplified Planning & Investments, I take what I do best—listening, identifying solutions, and creating clear paths—and apply it to one of life’s most important areas: your finances