1On1 Financial

08/31/2026

Retirement planning isn't just about how much you save. It's about how well you protect what you've already built.

Too many people approaching retirement make mistakes that are easy to avoid, like underestimating taxes, ignoring inflation, or claiming Social Security too early.

The good news is that a solid plan can help you catch these before they become a problem.

If you're in Southern California and want a second look at your retirement strategy, we're here to help.

Schedule a call today to see where you stand. https://www.1on1financial.com/contact

08/28/2026

Nobody loves watching their portfolio dip.

But if you have money in a traditional IRA or 401(k), a down market might work in your favor.

When account values drop, so does the tax bill on converting those funds to a Roth IRA. Convert while values are lower, then let any future growth happen tax free.

It is not the right move for everyone, and timing matters.

A quick conversation can help you figure out if this window makes sense for your situation.

Schedule a Call https://www.1on1financial.com/contact

08/24/2026

Some financial decisions build your future.

Others quietly chip away at it, even when they feel safe in the moment. A few honest questions can tell you which one is happening:

• Are you exposed to risk or tax costs you don't fully see?
• Is your money structured to support your family and your goals, not just sit there?
• Do you have the right people in your corner for what's ahead?

If any of those gave you pause, that's worth a conversation.

Want to dive deeper on this topic?

Read our blog: https://www.1on1financial.com/blog/are-your-financial-decisions-helping-or-hurting-you

08/12/2026

If you've changed jobs over the years, there's a good chance you've left a 401k or two behind.

It's easy to forget about, but it's still your money, and it's still working somewhere.

Old accounts can come with higher fees, outdated investment options, or a strategy that no longer matches your goals.

Want us to take a closer look? Let's talk. https://www.1on1financial.com/contact

08/07/2026

Summer has a way of flying by, and before you know it, year-end will be here.

Starting your tax planning now can give you more flexibility and more opportunities to make strategic financial decisions before important deadlines arrive.

Whether it's reviewing retirement contributions, evaluating charitable giving strategies, considering tax loss harvesting, or planning for required distributions, taking action early can help you avoid last-minute decisions and make the most of available tax-saving opportunities.

Schedule a conversation with us today: https://www.1on1financial.com/contact

08/05/2026

Multiple jobs usually means multiple retirement accounts, scattered across old employers and easy to lose track of.

A few things worth knowing:

• Old 401ks can carry higher fees than you realize
• Investment options may be limited or outdated
• Consolidating can simplify your overall strategy

If it's been a while since you've looked at these accounts, now is a good time to check in. https://www.1on1financial.com/contact

07/31/2026

Summer's almost over. Is your financial plan still on track?

Here are 5 things to do before summer ends:

1. Review your mid-year investment performance
2. Check your retirement contribution levels
3. Use up any remaining HSA or FSA funds
4. Update your estate plan if life has changed
5. Get ahead on year-end tax planning

A few smart moves now can help you before the end of the year.

Ready to see where you stand? https://www.1on1financial.com/contact

07/29/2026

Having savings is smart.

But when too much cash sits idle in a bank account, it can quietly lose value to inflation and miss out on growth.

Want to learn how to strike the right balance between keeping cash on hand and putting your money to work?

Read our latest blog for insights: https://www.1on1financial.com/blog/too-much-money-in-bank-account

07/23/2026

Back to school season is a natural reset, and not just for the kids. It's a good time to pause and check in on a few financial basics before the year gets busy.

A few things worth a quick look:

• Updated budget for the new school year
• 529 or education savings contributions
• Any changes to income, expenses, or benefits

Small check-ins now can save you from bigger headaches later.

Schedule A Call Today: https://www.1on1financial.com/contact

07/21/2026

When is the right time to hire a financial advisor? The answer might surprise you. Whether you’re navigating a major life change, planning for retirement, or simply wondering if you’re making the right financial moves, the right guidance can make a difference. Watch the video, then read our blog for more insights.

1-Minute Video and Blog