PecuSavvy Financial, LLC

09/07/2026

Social Security just moved its insolvency date up to late 2032. When the trust fund runs dry, scheduled benefits get cut about 22% across the board under current law.

And here's the part most people miss: almost every fix on the table — lifting the wage cap, means testing — hits high earners hardest. So if you're a doctor or a business owner, the "solution" is likely more taxes and a smaller benefit.

I think that's actually where the opportunity is. You can't opt out of Social Security or move those dollars into your own account. But you can control everything you build alongside it. For high earners, it was never meant to carry your retirement — it's a floor, not the foundation.
The centerpiece is the wealth you build intentionally: the 401(k), the backdoor Roth, the cash balance plan. That's the part that's genuinely yours.

See where you actually stand. Take my free Retirement Readiness Check — a quick 11-question score across the 5 pillars that matter most: https://pecusavvyfinancial.com/retirement-readiness

Educational only, not tax, legal, or investment advice. Past performance does not guarantee future results.

19/06/2026

I sat down with an estate planning attorney this week and walked away with one of the most underused tools I've seen for protecting wealth... the Family LLC.

So here's the simplest way to think about it. A Family LLC is like creating a special locked box where you put your assets. You're in charge of the box, but the box is its own legal thing.

Under the Texas Business Organizations Code, if someone sues you personally, they can't reach inside that box. The most a creditor can do is wait outside and hope money comes out. That's it.

And here's where it gets really interesting for estate planning. You can give small pieces of that box to your kids each year — up to $19,000 per person — without any gift tax. And because your kids don't control the box, those pieces are worth less on paper. That discount means you pass more wealth to the next generation with less tax exposure.

Texas also has no state estate tax, so you're only navigating federal rules, which I think is a big opportunity.

The goal is to protect what you've built and make sure it actually transfers to the people you care about.

To learn more about estate planning strategies from a financial planner, hit follow.

16/06/2026

Part 3 of the IPO series. Enjoy!

10/06/2026

Part 2 of my series for business owners. Follow along for the rest.

08/06/2026

The biggest IPO in history is about to hit the market, and there's a lesson in it for business owners.

So here's what an IPO actually is: a private company selling pieces of itself to the public to raise cash. SpaceX is planning to sell around 556 million shares at $135 each — roughly $75 billion in new money.

But that cash isn't free. In exchange, the founders give up a slice of ownership and start answering to outside shareholders.

This is an easy way to understand what's happening as a business owner. Your company is private too, and going public is really just one way to trade ownership for the cash to grow faster.

It works for a rocket company. It's worth understanding for yours.

Follow along — I'm breaking this down into a 3-part series for business owners.

20/05/2026

"I earn too much for a Roth IRA."

Heard this from a physician last week. It's a common misconception and it's costing high earners real money.

The backdoor Roth IRA strategy exists specifically for high-income professionals like physicians. And when done right, it creates tax-free growth that pays dividends in retirement.

Tax planning for physicians isn't about finding loopholes. It's about knowing the tools available to you and using them consistently, every year.

18/05/2026

The Augusta Rule — one of the most underused tax strategies for business owners.

Under IRS Section 280A, you may be able to rent your home to your business for up to 14 days/year. The rental income is generally tax-free to you. The business may deduct the expense.

It has to be done correctly — but when it is, it's a legitimate, IRS-recognized planning tool.

Want to know if it applies to your situation? Link in bio to schedule a free 15-minute call.


https://calendly.com/ben-lopez-pecusavvyfinancial/15-minute-fit-call?month=2026-05

24/04/2026

What's your greatest asset?

When most physicians think about their most valuable asset, they usually point to their home, their investment portfolio, or even their practice. But in many cases, the most valuable asset isn’t something you can see on a balance sheet. It’s your ability to earn income. If you’re a physician i...

20/04/2026

Most physicians think their biggest asset is their portfolio, their home, or even their practice.

In reality, it’s something much less visible... your ability to earn income.

For many physicians in El Paso, that earning power represents millions over the course of a career.
And yet… it’s often one of the least protected parts of a financial plan.
Most conversations with financial advisors start with investments. What to buy, how to allocate, how to maximize returns.

But a better question to start with is:
What happens to your plan if your income is interrupted?

Illness, injury, or even burnout can impact your ability to work, and when that happens, everything else (cash flow, savings, long-term goals) can feel the pressure.
This is where things like disability and life insurance come into play. Not as products, but as part of a well thought-out plan.

It’s not always the most exciting topic, but it’s one of the most important.
Worth making sure your foundation is solid before focusing on everything else.

At PecuSavvy Financial, we build financial plans for physicians that start with this foundation so everything else (investments, retirement, taxes, estate planning) is built on solid ground.

If you haven't reviewed your income protection strategy recently, it's worth a conversation.

Link in bio to schedule a no-obligation intro call.

14/04/2026

Quick thing I learned today from an estate planning attorney…

In Texas, you can add a beneficiary directly to your vehicle title through something called a Transfer on Death (TOD) designation.

Meaning, if something happens to you, your car can pass directly to who you named without going through probate.

Simple. But most people have no idea it’s even an option.

It’s little things like this that can make a big difference for your family later on.

Always worth making sure your plan is dialed in.

*(Details depend on your situation—worth confirming with your advisor or attorney.)*