HDMoneyInc

08/25/2026

🎥 Behind the scenes of our latest HD Money video shoot.

08/21/2026

Yesterday, the HD Money team stepped away from the office for a day of team building at HEX Rock.
A great opportunity to strengthen relationships, challenge ourselves and enjoy some time together outside of the day-to-day. 🧗‍♂️

Strong teams are built on trust, collaboration and shared experiences — and yesterday delivered plenty of all three.

08/18/2026

Could your IRA be hiding a future tax problem?

Many retirees spend years focused on growing their nest egg without realizing the tax bill growing alongside it.

In this week's video, Stuart Dickson reveals how Required Minimum Distributions (RMDs), Medicare IRMAA surcharges, and misunderstood tax brackets can combine to create a costly retirement surprise.

Learn:
• Why RMDs aren't the real issue
• How Roth conversions may help reduce future taxes
• The impact of IRMAA on Medicare premiums
• Strategies to potentially leave more to your family and less to the IRS

Watch the full video here:
https://www.youtube.com/watch?v=FKX3SkMzavk

The RMD Time Bomb: How Big IRAs Trigger Surprise Taxes (and IRMAA)...

08/17/2026

Think moving into a higher tax bracket means ALL your income gets taxed at that higher rate? Think again. 👀

This is one of the most common tax misconceptions we hear.

If you move into the 32% tax bracket, you don’t suddenly pay 32% on every dollar you earn.

Tax brackets are marginal—which means only the dollars that fall into the higher bracket are taxed at that higher rate. The dollars below it are still taxed at the lower rates.

And that distinction matters when you're making decisions about:

💰 Roth conversions
📈 Retirement income
🏦 RMDs
❤️ Charitable giving
📊 Your overall tax strategy

The goal isn't simply to avoid a higher tax bracket. It's to understand how your entire tax picture works and make informed decisions with the dollars you have.

Don't let a tax-bracket myth keep you from making a potentially smart retirement move.

08/14/2026

It’s always a great feeling when our clients enjoy not only the planning experience, but the community that comes with it. 🥂

We love creating opportunities for our clients to connect, learn, and enjoy an evening together at Wine & Wisdom

Thank you for the kind words and for being part of the HD Money family! ⭐️

08/13/2026

When RMDs become a family tax problem… the numbers can get staggering. 💰

In this example, doing nothing could result in roughly $2.6 million in total family taxes over her lifetime and after her IRA passes to her children.

But with the right Roth conversion strategy, she could potentially shift $11.35 million into Roth assets tax-free for her children, while significantly reducing the future tax burden.

The key? Planning before RMDs take control of the strategy.

Your retirement income plan shouldn’t just answer, “How much can I spend?”
It should also answer, “How much will the IRS get—and how much will my family keep?”

08/12/2026

🚨 Your RMD may be triggering a much bigger retirement problem.

Most people don’t realize that Required Minimum Distributions can affect more than just their taxes.

They can also impact Medicare premiums through IRMAA — potentially costing you hundreds more per month.

And the frustrating part? Many retirees don’t discover this until the higher premiums are already here.

The real issue isn’t the RMD.

**It’s whether anyone planned for the tax picture your retirement income could create.**

Watch the Reel to learn what this can look like — and one strategy that may help.

08/11/2026

What if your RMD isn’t actually the problem? 👀

For many retirees, Required Minimum Distributions are just the beginning of a much bigger retirement tax issue.

In our latest video, we break down a real retirement planning conversation involving:

💰 RMDs
📈 Taxable income
🏥 Medicare premiums & IRMAA
🇺🇸 Social Security
❤️ Qualified Charitable Distributions (QCDs)

The question isn’t simply, **“How much do I have to withdraw?”**

It’s **“What happens when all of these pieces come together?”**

We break down the full story—and what retirees may be able to do about it.

🎥 **Watch the full video on YouTube:**
[Watch the Full Video on YouTube](https://www.youtube.com/watch?v=FKX3SkMzavk&utm_source=chatgpt.com)

08/10/2026

There’s nothing better than hearing that our clients feel secure, comfortable, and confident in their financial future. ❤️

We’re incredibly grateful for their trust and for the opportunity to be part of their retirement journey.

Here’s to many more years of planning, partnership, and a retirement you can feel good about.

08/07/2026

A schoolteacher came by my office after her husband died.

She had a $2 million portfolio.

She was being charged a 1% advisory fee — sounded fair.

But when we dug into the funds’ internal expenses, there was another 1%.

I pointed out that on $2 million, that totals $40,000 a year.

She asked, “You mean just once?”

No — it’s taken every single year.

Then she said, “My daughter teaches at a charter school and barely makes $45,000.”

That’s when the amount hit home.

That conversation is why I developed these five questions.

Watch the full video: https://youtu.be/aYuZRHDjtKM

0:00 Intro1:38 The Philosophy: 3 Questions to Ask2:00 Question 1:...