Whitford Financial Planning

05/29/2026

You just did a Roth IRA conversion which seemed like a smart move for long-term tax planning. However, two years from now that conversion pushes your MAGI just over the next IRMAA tier, triggering thousands of dollars in additional Medicare premiums you didn’t see coming. 😡 This additional amount is doubled for a married couple.

The Medicare premium surcharge is known as IRMAA (Income-Related Monthly Adjustment Amount) is an additional amount added to your monthly Medicare Part B & Part D premiums if your Modified Adjusted Gross Income exceeds established limits.

05/29/2026

A 529 plan is a tax-advantaged investment account designed to save for future education expenses, including college, trade school, and K-12 tuition. Earnings grow tax-deferred and withdrawals are federal tax-free when used for qualified education costs. These state-sponsored plans often offer state tax deductions for contributions and are flexible enough to transfer between family members.

Follow our page for retirement tips and helpful strategies!

05/26/2026

This month we’re celebrating 3 years of Whitford Financial Planning!

Thank you to our incredible clients, families, friends, and community for the trust and support you’ve shown us along the way. It has been an honor helping individuals and families plan for retirement, navigate important financial decisions, and work toward greater confidence in their future.

We’re grateful for the relationships built over the past three years and excited for what’s ahead. Here’s to continued growth and helping even more people plan today for tomorrow.

05/21/2026

What is your biggest retirement fear?

For many people it is simple…

05/20/2026

Great event with great people yesterday! So glad we could participate and be a sponsor for the Family Strong 4 ALS golf outing!

Thank you to the Fulginiti Family and friends!

05/19/2026

You might be paying more in taxes than you need to—and not even realize it.

From investment timing to account selection, small decisions can have a big impact on your total tax bill. Here are five areas to keep in mind.

Schedule a call with us to talk about your financial goals! 📆
https://calendly.com/whitfordfp/30min?month=2025-11

05/11/2026

Mom taught me that "waste not, want not."
That grocery lists matter.
That rainy day jars aren't just for spare change; they're one way she prepared for life's "what ifs."

Whether she balanced the checkbook down to the penny or found creative ways to stretch a budget, many of us carry her financial wisdom with us.

What's a money lesson your mom shared that still sticks with you?
Drop it in the comments—we'd love to hear what stayed with you. 💬👇

04/30/2026

As the world shifts from traditional Google searches to more AI searches, some AI search tools such as ChatGPT have started making decisions for you about who you can trust for financial advice.

04/23/2026

A fiduciary is a person who has the power and obligation to act for another under circumstances which require total trust, good faith and honesty. If you choose to pay for advice, it is critical to understand how advisors are compensated.

A fiduciary is a person who has the power and obligation to act for another under circumstances which require total trust, good faith and honesty. If you choose to pay for advice, it is critical to understand how advisors are compensated.

04/21/2026

The recipe for confidence and success in RETIREMENT 🌴 is being prepared. Are you?

If not, download our free guide "5 Ways to Stay Confident in Retirement"!

This guide takes a critical look at the finances of retirement including health care costs, income stability, and understanding how your spending habits may change. 💡

Get Your Free Guide Here - https://www.whitfordfp.com/retirement-planning