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Middlebrook Wealth Middlebrook Wealth is a financial-services team providing investment and planning solutions.

Advisory services offered through NewEdge Advisors, LLC, a registered investment adviser, doing business as Middlebrook Wealth. Securities offered through NewEdge Securities, LLC, Member FINRA/SIPC. NewEdge Advisors, LLC and NewEdge Securities, LLC are wholly owned subsidiaries of NewEdge Capital Group, LLC.

10/14/2026

Is Your Tax Return Connected to Your Financial Plan?

Once December 31 passes, many of the most valuable tax-planning opportunities are gone. A proactive strategy today could make a meaningful difference in what you keep over time.

Interested in learning more? Reach out to our team. We would be happy to help.

10/12/2026

Giving to a cause you care about can also be part of a thoughtful financial plan.

If you are age 70½ or older, a Qualified Charitable Distribution, or QCD, allows you to transfer funds directly from an eligible IRA to a qualified charity. When completed correctly, the distribution may count toward all or part of your Required Minimum Distribution without being included in your taxable income.

Coordination matters. Our team can work alongside your IRA custodian and tax professional to help ensure each step supports your charitable intentions and broader financial plan.

Middlebrook Wealth does not provide tax or legal advice. Please consult your tax or legal professional regarding your individual situation.

Planning to support a charity before year-end? If you are age 70½ or older, the account you use and how the gift is tran...
10/07/2026

Planning to support a charity before year-end? If you are age 70½ or older, the account you use and how the gift is transferred can matter.

A Qualified Charitable Distribution, or QCD, is a direct transfer from an eligible IRA to a qualifying charity. When the requirements are met, the gift may count toward part or all of a Traditional IRA required minimum distribution while remaining outside taxable income.

Before making the gift, confirm:
1️⃣ You are age 70½ or older.
2️⃣ The funds go directly from an eligible IRA to a qualified charity.
3️⃣ The gift can count toward part or all of your Traditional IRA RMD.
4️⃣ A QCD supports your charitable and distribution goals.

This is a lot more important than it sounds. Contact our team to discuss how charitable giving fits into your broader plan.

Middlebrook Wealth does not provide tax or legal advice. Please consult your tax or legal professionals regarding your individual situation.

We are excited to officially be welcoming clients to our new Harrisonburg office!Expanding our presence in the Shenandoa...
10/06/2026

We are excited to officially be welcoming clients to our new Harrisonburg office!

Expanding our presence in the Shenandoah Valley reflects our commitment to delivering proactive, personal financial guidance to the communities we call home.

Whether you are planning for retirement, navigating a major life transition, or thinking about the future of your business, our team is here to meet you where you are.

Reach out to connect with our Harrisonburg team: https://middlebrookwealth.com/contact

09/30/2026

Once a year your employer hands you the ability to change your health coverage, your retirement contribution, your life insurance and your tax picture, all in one sitting.

Most of us treat it as HR paperwork and click through it on a lunch break.

On our latest episode of “Beyond the Numbers,” Seth breaks down what you should actually be thinking about during open enrollment: https://www.middlebrookwealth.com/beyond-the-numbers/you-did-everything-right-now-what

When married couples decide when to claim Social Security, the answer should not be based on one life expectancy alone.E...
09/28/2026

When married couples decide when to claim Social Security, the answer should not be based on one life expectancy alone.

Each spouse’s benefit, the age difference between spouses, other available retirement income, and the possibility that one spouse may later rely on survivor income all belong in the conversation.

The timing of the higher earner’s benefit can affect the income available to the surviving spouse later. That is why claiming decisions are often stronger when they are coordinated rather than made one person at a time.

⬇️ Scroll through the four considerations to review before choosing a claiming strategy.

A financial decision you make this year could affect your Medicare premiums two years from now.Social Security generally...
09/23/2026

A financial decision you make this year could affect your Medicare premiums two years from now.

Social Security generally uses income from your tax return from two years prior to determine whether an income-related monthly adjustment amount, or IRMAA, applies to Medicare Part B and Part D. A Roth conversion, business sale, or large capital gain can increase your modified adjusted gross income and create a cost that is easy to overlook.

That does not automatically make the decision wrong. It means the Medicare impact should be part of the planning conversation. Before moving forward, ask:
1️⃣ What could this do to this year's income?
2️⃣ Could it cross the IRMAA threshold?
3️⃣ Do the long-term benefits still outweigh the added premium?
4️⃣ If income later drops because of retirement or another qualifying event, could a reconsideration apply?

⬇️ Scroll through our checklist. If you are weighing a major financial decision, our team can help you look at how the pieces fit together.

Middlebrook Wealth does not provide tax or legal advice. Please consult your tax or legal professionals regarding your individual situation.

09/21/2026

Most people meet their HSA on day one of a new job, file it under medical spending, and never revisit it. It was introduced as a way to pay for prescriptions, so that is all it ever becomes.

Seth explains what it can turn into instead, and why our office has a special nickname for it.

Watch our latest episode of “Beyond the Numbers” now: https://www.middlebrookwealth.com/beyond-the-numbers/you-did-everything-right-now-what

09/16/2026

Plenty of high earners have someone watching their investments. Far fewer have anyone looking at the tax strategy, the insurance, the estate documents and the accounts left behind at multiple former employers all at the same time.

That is usually where the money is slowly lost. Not in your returns. In everything nobody was ever assigned to look at.

Watch episode 3 of “Beyond the Numbers” today: https://www.middlebrookwealth.com/beyond-the-numbers/you-did-everything-right-now-what

Address

5 Middlebrook Avenue
Staunton, VA
24401

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4pm

Telephone

+15407120288

Website

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