TimeWise Financial

09/02/2026

Our advisors see our clients as family. We are privy to some of the most important moments in their lives, both good and bad, and we walk them through the steps we would take ourselves. If your family is taken care of, we have succeeded. ❤

08/31/2026

Whether you are traveling the world, enjoying a comfortable retirement, or spending more time on the golf course, every worthwhile dream requires a thoughtful financial strategy.

At TimeWise Financial, we help align your wealth with your purpose & vision for the future.

What is one dream or goal you have for your future retirement? Let us know in the comments! 👇

08/28/2026

Last month, Congress passed the 21st Century Road to Housing Act to try to help you buy a home. Building more and restricting investors may not solve big problems like rising sale prices and interest rates.

While we appreciate the administration's consideration, here's our take on why we think this bill won't do much to change the current market. 🤷‍♂️

08/26/2026

Naturally, death is one of our greatest fears. We don't like to acknowledge, discuss, or (least of all) prepare for it. Unfortunately, being unprepared can make an already bad situation worse. 😢

Here are common financial mistakes widowers make. Our firm can help you avoid all of these while you are alive, well, and in your right mind. Call us to start the conversation: (770) 420-2954. 📲

08/19/2026

Spectrum day is here, and those who get it, get it. 😉 If you see signs that your company is preparing to restructure and perhaps even lay employees off, we suggest getting ahead by having a conversation about your financial situation.

We can help analyze your investments (company 401(k), stock options, and RSUs), savings & cash flow, and unused company benefits to help you get the most out of the time you've invested in your career. Layoffs are scary, but preparation can make a difference.

Call us if you'd like to talk: (770) 420-2954.

08/10/2026

08/06/2026

It's back-to-school season! 👩‍🏫 If your child has turned 18 and is headed to college, trade school, or the workforce, they are in a stage where they are technically adults but are likely not ready to fully "adult" yet. They still need you; however, some laws may prevent you from fully helping them in a time of need.

One legal document you should sign with your child is a Medical Power of Attorney. A medical power of attorney addresses health care decisions.

It typically allows the named agent to:
- Receive medical information
- Speak with doctors and care teams
- Make medical decisions if the adult child cannot

This authority usually becomes relevant only when the adult child is unable to communicate or lacks capacity to make decisions and needs you to advocate on their behalf. This is not part of many parents' college preparations but may be one of the most important pieces.

Be a Mama Bear! 🐻 Prepare to protect your child in the unfortunate event they need you.

07/29/2026

You may question if you really need a financial advisor. However, could NOT hiring one actually cost you more in the long run? 🤔

Here are 3 ways solo-investing can cost you:

📉 Emotional Decision-Making: We analyze historical data to keep your long-term strategy grounded and help prevent panic moves based on today's news that could hurt tomorrow.

⚖️ Hidden Concentration Risk: We audit your statements to spot overlap and ensure your portfolio isn't secretly heavy in a single asset or stock.

🧾 Tax Blind Spots: We design strategies to help minimize tax drag before, during, and beyond retirement.

We understand that fees matter, but missing out on proactive planning often costs far more in the long run. Taking time to hire a knowledgeable partner often proves worth it.

👉 Curious if your portfolio has blind spots? Send us a message for a second opinion.

07/23/2026

We want to offer a mid-year financial check-in! Mid-year is a great time to pull away and take a look at your full financial picture.

Here are items we help our clients evaluate:

1. Protection: Check that your emergency fund, risk management strategy, and insurance coverage still align with your current lifestyle and responsibilities.

2. Purpose: Revisit your short-term priorities and long-term vision to make sure your financial moves match what matters most to you.

3. Legacy: Review beneficiary designations, estate planning documents, and giving plans to ensure everything reflects your current wishes.

4. Cash Flow: Don't let summer spending throw you off track! Mid-year is the perfect time to track spending patterns, recalibrate savings rates, and optimize income streams for the second half of the year.

5. Taxes: Are you keeping more of what you earn? Proactive tax planning rather than reactive tax preparation allows you to make tax-efficient moves before December 31st arrives.

If interested, please reach out to review where you are! You can set up a 15-minute "Get to Know You" call here: https://calendly.com/twfwealth/get-to-know-you-phone-call

07/20/2026

It is scary to think about not having a paycheck in retirement. However, if you can save on taxes, it feels like you paid yourself. What if I told you the sweet spot to minimize taxes is to take advantage of a Roth conversion after you retire and your income reduces, but before you start taking Social Security or Required Minimum Distributions (RMDs)?

At its core, a Roth conversion involves moving pre-tax assets (such as those in a Traditional IRA or 401(k)) into a Roth IRA. You pay ordinary income tax on the converted amount now, in exchange for tax-free growth and tax-free withdrawals later.

If you want to discuss this or other retirement or tax tips, connect with me!