Skinner Wealth Strategies

Skinner Wealth Strategies CFP® profoessional helping people age 50+ build tax-smart retirement income plans. Meet with me → https://skinnerwealthstrategies.com/meet-brian/

Integrating investments, Social Security, Roth strategies, and estate basics into one clear roadmap. Brian joined Waddell & Reed in 2009, and LPL in 2021 as a result of the two companies merging. A University of Connecticut graduate, Brian sustains his industry knowledge through continuing education, and has earned the CFP® mark and CRPC designation. As a financial advisor, Brian focuses on helpin

g clients develop a comprehensive plan for all of their financial goals and concerns, and assists in implementing the actions needed to pursue those goals. Some of the areas he covers include: investment management, risk planning, and tax efficient accumulation and distribution, among many others. Brian's primary goal for his clients is to efficiently combine these pieces into one complete plan for the family.

08/31/2026

One phone call between a financial planner and a CPA could have saved this client over $40,000. Nobody made it. 💡 Roth conversions that trigger Medicare surcharges two years later. Capital gains that undo a year of tax planning. Income managed carefully for a tax credit that disappears because nobody checked the interactions. These are not unusual mistakes. They happen when financial decisions get made in isolation. Has your financial planner ever asked to see your tax return? If not, they're only reading half the book.

Schedule a call through the link in my bio if you have questions.

08/28/2026

Healthcare before 65 is what keeps most people at jobs they're ready to leave — not money. 🏥 But with the right income strategy, even retirees with significant savings can qualify for major ACA premium assistance. In 2026, a couple earning under roughly $84,600 qualifies. The key is managing which accounts your income comes from. Healthcare doesn't have to be what delays your retirement.

08/19/2026

Record numbers of Americans are hitting retirement age right now, and the data shows most aren't prepared. 💡 45% will face funding shortfalls if they retire at 65. (Morningstar) Only 14% of Gen X has a pension. (Axios) The problem isn't that people didn't save. It's that nobody helped them turn those savings into income that lasts. Saving and spending are two completely different skill sets. If you're in your 50s or 60s, the most impactful planning years are still ahead of you.

Follow to learn more about retirement planning from a financial planner.

08/17/2026

I don't make political predictions — but a $40 trillion national debt and an aging population are math problems worth paying attention to. 💡 Every dollar in a traditional 401(k) or IRA will be taxed at whatever rate exists when you withdraw it. If rates go up, the government gets a bigger share. The window between retirement and Social Security is often the best opportunity to convert to Roth at today's rates — before that window closes.

See how prepared you are by scheduling a call through the link in my bio.

08/14/2026

Roth conversions done wrong can cost you. Done right, they saved one client over $840,000. 💡 The key: spreading conversions over 9 years to stay in lower tax brackets, avoid IRMAA Medicare surcharges, reduce taxes on Social Security, and shrink future Required Minimum Distributions. A large conversion in the wrong year triggers higher Medicare premiums two years later — and you can't undo it. This isn't a water cooler tip. It's a multi-year strategy.

Before you do a Roth conversion, schedule a call through the link in my bio.

08/12/2026

The biggest threat to your retirement portfolio isn't a market crash — it's your own behavior. 📊 Miss just the 2 best days of the S&P 500 between 1990 and 2024 and your annual return drops from 9.8% to 3%. Miss the 5 best days and you could have lost money. (Morningstar) The best days cluster right after the worst ones — which means the investors who sell during the panic are exactly the ones who miss the recovery.

For help building a plan that takes emotion out of your investment decisions, schedule a call through the link in my bio.

Source: Morningstar

08/10/2026

3 signs your financial advisor is treating you like a number instead of building a real retirement plan. 👀 They've never asked for your tax return. They put you in a target date fund and never customized anything. They only talk about investments — never healthcare, Social Security, or estate planning. In retirement, your income plan and tax strategy can be worth more than your portfolio's returns. Make sure someone is looking at the whole picture.

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08/07/2026

Tax preparation looks in the rearview mirror. Tax planning looks out the windshield. 💡 After 15 years as a financial planner, here's the difference: preparation tells you what you owe. Planning changes what you'll owe — a Roth conversion this year can lower your Medicare premiums in two years, and the order you pull from your accounts determines how much of your Social Security gets taxed. Proactive tax planning can save six figures over a retirement.

Follow for more proactive tax planning insights from a financial planner.

08/05/2026

A retired couple cut their health insurance from $1,800/month to $175 — same Gold PPO coverage — by switching from traditional IRA withdrawals to Roth distributions. 🏥 That kept their reported income low enough to qualify for over $1,600/month in ACA premium tax credits. More than $19,000 per year staying invested instead of going to an insurance company. Over five years, the compounded value approaches half a million dollars.

For help with healthcare planning before Medicare, schedule a call through the link in my bio.

08/03/2026

"Is it safe to retire when the market feels this high?" The answer isn't about timing — it's about having a plan built for any market. 💡 Keep five years of spending in stable assets so your growth investments have time to recover without being touched. Pair that with a rules-based spending strategy. Historically, people using this approach get three times more raises in retirement than temporary pay cuts.

For help building a retirement plan you feel confident in, schedule a call through the link in my bio.

Address

472 Wheelers Farms Road, Suite 305
Milford, CT
06461

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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