Larchmont Wealth Management

Larchmont Wealth Management Financial advisor, 📚 Financial education for smarter wealth-building I’m Pat, the Founder of Larchmont Wealth and a Larchmont resident.

Over time, I have seen that most people struggle with their financial plans; either cobbling together a do-it-yourself approach, or alternatively getting “cookie cutter” service from larger advisory firms. I saw an opportunity to use my experience managing investments to help people take control of their financial futures. I believe there is a way to have the security and diverse product availabil

ity that comes with using the clearing platform of one of the largest financial firms on the planet (RBC) coupled with a tailored, local approach that gives you more control over your finances.

06/10/2026

After 23 years as a financial advisor, I’ve learned that every strong retirement plan comes down to three things. Retirement readiness is not just about how much you have saved; it is about how well your money is positioned to support the life you want.

Comment READY and I’ll send you this week’s Retirement Readiness item.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/09/2026

At some point, your life savings has to become more than a number on a screen. It has to become income you can rely on, month after month, so you can live the life you worked so hard to build. The real question is: do you have a plan for turning your portfolio into a paycheck without running out too soon?

Comment “income” and I’ll send you what to think about before retirement.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/09/2026

IRMAA stands for Income-Related Monthly Adjustment Amount. It is an extra charge added to Medicare Part B and Part D premiums when your income is above certain thresholds. Many retirees are surprised by IRMAA because it is based on your tax return from two years prior. Large Roth conversions, capital gains, business income, or investment sales can accidentally push you into a higher IRMAA bracket. Understanding IRMAA ahead of time can help you plan withdrawals, taxes, and Medicare costs more strategically.

Comment IRMAA for the playbook!

Disclaimer : Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/03/2026

Direct indexing is one of the most overlooked tools for high-net-worth investors.
Instead of owning a mutual fund or ETF, you can own the individual stocks inside the index directly. That gives you more control, more customization, and better tax efficiency.
You can harvest losses throughout the year, avoid certain companies or sectors, manage concentrated positions, and build a portfolio around your specific goals.
The idea is simple: don’t just own the index.

Own it in a way that fits your tax situation, values, and overall financial plan.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/03/2026

Renting in retirement is not always a bad financial move.

For a lot of retirees, owning a home sounds safer because the mortgage may be gone. But the costs do not disappear. Property taxes keep rising. Insurance keeps rising. Repairs still happen. Roofs, boilers, plumbing, landscaping, snow removal, maintenance, and renovations can turn a “paid-off house” into a major cash drain.
Renting can sometimes be better because it gives retirees more flexibility, more liquidity, and fewer surprise expenses. Instead of having a huge amount of wealth trapped inside a house, they can keep more money invested, accessible, and available for income, healthcare, travel, or family needs.

The real question is not “Is renting throwing money away?”

The real question is: Does owning this home improve your retirement — or does it quietly make your retirement more expensive, less flexible, and more stressful?

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/01/2026

Surviving spouses often face a hidden retirement tax trap known as the “widow penalty.” After losing a spouse, income may stay relatively high, but the surviving spouse is often forced into single-filer tax brackets, which can mean higher taxes on Social Security, RMDs, and investment income. Proper planning with Roth conversions, withdrawal sequencing, and beneficiary strategy can help reduce the impact before it happens.

Comment “taxes” and I’ll send you our Retirement Taxes Playbook.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

05/28/2026

Comment "Newsletter" to get added to our weekly newsletter on topics like these!
A SpaceX IPO would be one of the most exciting public offerings ever, but investors need to look past the hype. The biggest pros are SpaceX’s dominance in reusable rockets, its Starlink satellite internet business, and its role in the future of space exploration. If the company keeps growing, early public investors could get exposure to one of the most innovative businesses in the world. But the cons are real too: the valuation could be extremely expensive; the business depends heavily on ex*****on, and space exploration comes with major regulatory, technical, and political risks. There is also the risk that investors overpay simply because of the Elon Musk brand and the excitement around the company. So while a SpaceX IPO could be a huge opportunity, it is not a guaranteed win.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

05/27/2026

Delaying Social Security can mean a bigger monthly check, but claiming earlier can sometimes make more sense depending on health, income needs, taxes, and life expectancy. The real question is not “Should I delay?”—it is “What claiming strategy gives me the highest confidence retirement outcome?”

Comment SOCIAL and I’ll send you my Social Security Playbook.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

05/27/2026

Comment "Social Security" for my social security benefit playbook. An SSB strategy can be one of the most powerful ways to maximize lifetime Social Security benefits — but most people claim without understanding the long-term impact. The right strategy can potentially add tens or even hundreds of thousands of dollars to your retirement income.”

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

05/26/2026

Whole life insurance is often described as an investment — but that can be misleading without context.

Potential pros:
It can provide permanent death benefit protection, tax-deferred cash value growth, access to liquidity through policy loans, and a conservative asset that is not directly tied to the stock market.

Potential cons:
It can also come with high early costs, lower long-term returns than traditional investments, limited liquidity in the first several years, and complexity that makes it easy to misunderstand.
The key is this: whole life is not automatically good or bad.
It depends on the person, the structure, the funding, and whether it actually fits into the broader financial plan.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

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