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08/27/2026

You may have heard that Social Security is now “tax-free.”

But is it really?

Recent tax changes created a new deduction for Americans age 65+, but that doesn’t necessarily mean your Social Security benefits are no longer taxable.

Depending on your income, you may qualify for:
• Up to a $6,000 additional deduction per eligible individual
• Up to $12,000 for qualifying married couples
• Potential tax savings in retirement

The key is understanding how Social Security, taxes, and retirement income work together.

Want to know how these changes could impact you?
Schedule a complimentary 15-minute Social Security Optimization Review: https://www.iwmfinancial.com/call

Getting close to retirement? Social Security is one decision you don’t want to leave to guesswork.Join us for a complime...
08/17/2026

Getting close to retirement?

Social Security is one decision you don’t want to leave to guesswork.

Join us for a complimentary educational workshop where we’ll break down:
• When to consider claiming Social Security
• How your benefits are calculated
• Common mistakes that could impact your retirement income
• How Social Security fits into your overall retirement plan

Whether retirement is right around the corner or still a few years away, this workshop can help you make more informed decisions with confidence.

Space is limited. Register here: https://www.iwmfinancial.com/events

08/11/2026

When you retire, it’s not just how much you withdraw, it’s when.

In our hypothetical demonstration, withdrawal timing led to a difference of more than $245,000 between the best and worst outcomes.

A thoughtful retirement income strategy can make a meaningful difference in how long your money lasts.

Read the full analysis: https://www.iwmfinancial.com/blog/does-withdrawal-timing-really-matter

Does withdrawal timing really matter in retirement?It can, much more than you might think.We looked at three hypothetica...
08/05/2026

Does withdrawal timing really matter in retirement?

It can, much more than you might think.

We looked at three hypothetical retirees with:
• The same $1 million starting portfolio
• The same monthly withdrawals
• The same investment period
• Different withdrawal timing

The result? A difference of more than $245,000 between the best and worst outcomes.

The takeaway: In retirement, it’s not just how much you withdraw, it’s also when and where you take that income from.

Read the full analysis in our latest blog post: https://www.iwmfinancial.com/blog/does-withdrawal-timing-really-matter

Meet Vince Festejo, CFP® 👋We're excited to introduce Vince, Associate Financial Planner at IWM Financial.Vince is passio...
07/31/2026

Meet Vince Festejo, CFP® 👋

We're excited to introduce Vince, Associate Financial Planner at IWM Financial.

Vince is passionate about helping pre-retirees and retirees gain clarity and confidence as they prepare for retirement. He believes great financial planning goes beyond investments—it's about creating a strategy that helps people make informed decisions every step of the way.

Outside the office, you'll find Vince training for marathons, traveling, trying new restaurants, or spending time with his husky, Kobe.

Please join us in welcoming Vince to the IWM Financial team!

07/27/2026

Halfway through the year, is your retirement plan still on track?

The middle of the year is a great time to check in on your financial plan.

Ask yourself:
✔️ Has my retirement timeline changed?
✔️ Am I still on track to meet my retirement goals?
✔️ Does my investment strategy still align with my objectives?
✔️ Have there been any major life changes that should be reflected in my plan?
✔️ Have I reviewed my tax strategy for the rest of the year?

A financial plan isn't something you create once and forget. It should evolve as your life, goals, and the markets change.

A mid-year review can help ensure you're making the most of the second half of the year, and staying on track for the retirement you envision.

The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation

07/22/2026

Should your children know your net worth?

It's one of the most common questions we hear from parents.
Many have already done the hard work:
✔️ Created a will
✔️ Established a trust
✔️ Named powers of attorney
✔️ Organized their estate documents

But one question often remains:

Should I tell my kids how much we're worth?

There's no one-size-fits-all answer. Every family is different. But one thing is certain, your children will likely learn your financial picture someday.

The real question is whether they'll hear it from you, with the context and values behind it, or discover it after you're gone.

The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Every World Cup Team Has a CoachThe world's best athletes don't compete alone.They have coaches.Analysts.Specialists.Ret...
07/15/2026

Every World Cup Team Has a Coach
The world's best athletes don't compete alone.

They have coaches.
Analysts.
Specialists.

Retirement shouldn't be a solo sport either.
A financial plan brings together:
✔ Investments
✔ Taxes
✔ Social Security
✔ Healthcare
✔ Income planning
✔ Estate planning

Because winning isn't about one great play, it's about having the right team behind you.

The tax and estate planning information offered by the advisor is general in nature. It is provided for informational purposes only and should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Should your kids know how much you're worth?It's a question many parents struggle with and if you find yourself asking t...
07/13/2026

Should your kids know how much you're worth?

It's a question many parents struggle with and if you find yourself asking the following, you’re not alone:

- Should I tell my kids how much we're worth?

- At what age should we start talking about money?

- Will knowing our wealth make them entitled?

- How do I prepare them without giving them too much too soon?

Read our latest blog to learn when, why, and how to have this important conversation. https://www.iwmfinancial.com/blog/should-i-tell-my-kids-how-much-were-worth

06/30/2026

Think Medicare penalties and Medicare surcharges are the same thing?

You’re not alone.

This is one of the most common retirement misconceptions we see.

The reality: your Medicare premiums may be affected by income decisions years before retirement, and in some cases, retirement itself may create opportunities to lower those costs.

Understanding how Medicare, taxes, and retirement income work together can make a meaningful difference.

Read our latest blog for the full perspective. https://www.iwmfinancial.com/blog/do-i-need-to-worry-about-medicare-penalties

Address

151 Yorba Street, Suite 200B
Tustin, CA
92780

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17142631953

Website

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