Nidhi Mathson - Financial Advisor

08/31/2026

Only 24% of Americans have a will.

August is National Make-a-Will Month, a dedicated time to raise awareness about the importance of estate planning and encourage individuals to create or update their last will and testament.

Despite its critical role in protecting loved ones and ensuring your wishes are honored, a well-drafted will provides clarity, control, and peace of mind—no matter your age or wealth.

Here are the top reasons to make or have a will:

August is National Make-a-Will Month, a dedicated time to raise awareness about the importance of estate planning and encourage individuals to create or update their last will and testament. Despite its critical role in protecting loved ones and ensuring your wishes are honored, only 24% of American...

08/27/2026

You spent 18 years caring for almost every aspect of your child's life. Soon, your child will be heading to college and becoming independent. Help your child get ready for a life of independence – and responsibility – by reviewing some basic life skills:

You spent 18 years caring for almost every aspect of your child's life. Soon, your child will be heading to college and becoming independent. Help your child get ready for a life of independence – and responsibility – by reviewing some basic life skills.

08/24/2026

Back to School time! It’s been a long summer, and it’s time to get back to class and crack those books. We send our best wishes out to all of our scholars this year, including those starting out at a new school or maybe gearing up for graduation.

08/18/2026

Most parents think the last tuition check means game over for college. The data says it's halftime.

50 percent of parents with adult children still provide regular financial support, spending $1,474 a month to do so. That's more than twice what they're putting toward their own retirement.

Here's what "just helping out a little" actually looks like:

✅ 75 percent of parents aged 45+ are financially supporting at least one adult child, even though over half of those children can meet their own basic needs, according to a 2025 AARP survey.

✅ 42 percent of supporting parents report financial stress. 9 percent have retired early because of it.

✅ 47 percent say they've sacrificed their own financial position for the sake of their kids.

✅ 18 percent say the support could continue indefinitely. They don't see an end in sight.

This isn't about being less generous. It's about being intentional.

Whether your kid just graduated, graduated five years ago, or is still in school, the question is the same: Is your support happening by design or by default?

That's worth a conversation.

08/04/2026

What would you do with a windfall?

A business sale. An inheritance. A bonus that lands bigger than expected.

Most people assume they'd handle it well.

But sudden money follows patterns. And the patterns aren't always flattering.

Psychologists call it sudden wealth syndrome: the anxiety, decision paralysis, and relationship pressure that arrive alongside a large sum. It shows up whether the windfall was a complete surprise or something you spent years building toward.

The 5 most common mistakes we see:

⏳ Upgrading your lifestyle before a strategy exists

🤝 Giving to family under emotional pressure

📊 Attempting to make decisions without professional guidance

⚖️ Freezing and making no decisions at all

📋 Missing the critical deadlines in year one

All five can be managed, but only if you get ahead of the emotions before the decisions start piling up.

The most important thing you can do in the first 90 days? Maybe nothing.

Tell very few people. Then consider building a team of professionals who can offer insights and guidance.

There is rarely a cost to waiting. There is frequently a cost to moving too quickly.

07/29/2026

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?

Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?

No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?

Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?

Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?

State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

07/23/2026

How are you tracking against your financial goals?

I recently met with someone who was doing all the "right" things. She had a strong income, worked hard, and was focused on providing for her family.

There was one problem: debt

No matter how much she earned, she felt like she would never get ahead.

Together, we took a step back and built a plan.

Instead of feeling overwhelmed by the total balance, we mapped out a strategy that could eliminate her debt in just two years. Once that debt is gone, she can redirect those monthly payments toward retirement savings and investing, bringing her closer to her goal of retiring by age 55 while building a financial legacy for her children.

As we head into the second half of 2026, it's a great time to ask yourself:
✔️Is your current financial plan moving you toward your goals?
✔️If your debt disappeared in two years, where would you want that money to go?
✔️Are you building the future you want, or just keeping up with today's bills?

Build a plan and make it happen.

07/04/2026

Have a safe holiday, everyone!

07/01/2026

Summer reminds us of what we're working so hard for.

Family vacations. Backyard barbecues. Ice cream runs. Watching the kids stay up a little later because school is out.

These moments are priceless, but they don't happen by accident. Financial planning is more than retirement savings and investment returns. It's about creating freedom to enjoy life today while building confidence tomorrow.

A mid-year check-in can help ensure you're still on track for the goals that matter most:
🌞Am I saving consistently for my future
🌞Is my emergency fund where it should be?
🌞Am I taking advantage of my workplace benefits?
🌞If something unexpected happened, would my family be financially protected?

Enjoy the sunshine, make the memories, and don't forget to invest in the life you're building.

06/09/2026

One of the most common concerns I hear about 529 Plans is: "What happens if my child doesn't use all the money?"

Thanks to recent rule changes, unused 529 funds may be eligible to roll into a Roth IRA for your child, giving those savings another purpose and potentially decades of tax-free growth.

Find out how it works in this link:

You may be able to do this utilizing any unused funds in the student's 529 Plan. The IRS now allows rollovers of these funds to a Roth IRA in the child's name.