Keith Wealth Advisors

05/25/2026

04/09/2026

What a $5 Frappuccino can teach your teen about building wealth 👇

April is National Financial Literacy Month, and here's a number worth sharing at the dinner table.

If your teen opens a Roth IRA at 18 with $1,000 from a part-time job and adds $1,000 a year, that single account could be worth nearly $500,000 by age 65. Tax-free.

Think they can't save $1,000 a year? Skipping the daily Frappuccino more than covers it. ☕

But the best financial education isn't about the math. It's about real decisions with real consequences.

A few things that actually work:

✅ Hand them cash instead of a credit card for shopping. Let them keep what they don't spend.

✅ Give them a clothing budget for the year. If they blow it by October, that's the lesson.

✅ Have the college money talk before they fall in love with a school. As one counselor put it, "Have the conversation before they buy the hoodie."

✅ With the Roth IRA, you can show them that there are certain rules with certain accounts. For example, to qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Also, tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

What's one money lesson you wish someone had taught you earlier? 👇

Please consult with a tax and finance professional before making any decisions.



Sources:
-https://www.calculator.net/roth-ira-calculator.html?cstartingprinciple=1%2C000&cannualaddition=1%2C000&cmax=n&cinterestrate=8&ccurrentage=18&cretirementage=65&ctaxtrate=25&printit=0&x=Calculate -ira-result
-https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/

04/06/2026

What are your spring cleaning goals this year? Cleaning the garage? How about financial well-being? Contact us and we can help with strategies to keep everything in order.

04/01/2026

🌟 April is Financial Literacy Month! 🌟💡

Let's take a moment to celebrate the importance of understanding our finances and making smart money choices. 💪💡

Whether you're a finance wizard or just starting to dip your toes into the world of money management, this month is the perfect time to enhance your financial knowledge and skills. 📚💡

From budgeting and saving to investing and preparing for the future, there's much to learn and explore! 💡✨

Consider spreading the word and tag your friends who might benefit from this financial journey. Together, we can build a community that rocks at managing our money! Happy Financial Literacy Month, everyone! 🎉💡

01/19/2026

The IRS has announced updated federal income tax brackets and deductions for 2026, reflecting inflation adjustments.

For married couples filing jointly, the standard deduction rises to $32,200, up from $31,500 in 2025. Single filers can now claim $16,100, an increase from $15,750. The top 37% tax rate applies to income above $768,700 for joint filers and $640,600 for individuals.

The agency also raised thresholds for long-term capital gains, estate tax exemptions, and eligibility for the earned income tax credit. These updates will apply to 2026 income for returns filed in 2027.


Source:

The IRS has announced higher federal income tax brackets and standard deductions for 2026. Here's what taxpayers need to know.

01/12/2026

Thinking about retirement? You're not alone—and the numbers might give you something to think about.

From how much people rely on Social Security to what retirees actually spend, these stats highlight why it’s important to look at the full picture. It’s not about having every answer—it’s about starting a conversation that helps you feel more confident about what’s ahead.

📌 Save this post for later
📩 Share it with someone who’s thinking about their future
💬 Questions? I’m always here to talk things through

01/05/2026

The start of a new year is a great time to step back and look at the bigger picture. A few small reviews early in the year may help you stay organized and ready for what’s ahead.

Here are three simple ways to start:
1️⃣ Reassess coverage and protection needs to make sure they reflect your current situation and priorities.
2️⃣ Review budgets and savings habits to see if recent changes in expenses or income call for updates.
3️⃣ Set short-term milestones that make progress easier to track and adjustments easier to manage.

Taking time to revisit these areas may help create structure and awareness for the year ahead.

Wishing you a healthy and productive New Year!