You'll often find me under a barbell at CrossFit Garage, taking in a show at Woodstock Arts, or vacuuming up my golden retriever's fur. I've spent more money on vacuums than I ever thought possible. I'm an Autumn, so I'll be the one in olive, never black.
Member
Problem: In our last meeting, Kevin said, "I am a big long-term planner. Julie handles all the day-to-day stuff, and she's excellent at that. I "stink" at it." And he felt like he didn't have a plan.
Action: I built him an actual roadmap. I showed him that right now, while he's the only one on Medicare, is his window to do Roth conversions with minimal tax exposure. And that Roth dollars pass to his daughters completely income tax-free, even under today's inheritance rules.
Kevin looked up from taking notes and said, "I didn't even think about that. I appreciate you bringing that up."
Result: Even though my work can take years for the benefits to be truly felt, he's now got a long-term plan. We are going to do Roth conversions to the top of his current tax bracket now before Julie is also on Medicare. This means there's only one IRMAA surcharge penalty. He will have a greater ability to adjust his taxable income and standard of living in the future. Best of all, the inheritance he bestows his daughters will be less of a tax bomb for them, too.
That's the job. Not just managing money, but seeing around corners for the people counting on me.
Referral Trigger Response
404-895-0937
220 Heritage Walk
Suite 116
Woodstock, GA 30115
My best client won't pick up. He's mid project at the family cabin on Lake Superior. But he calls right back. Each summer he takes his wife somewhere new. This year, Italy. Retired engineer, married twin daughters, a grandchild coming. A legacy for all.
Company
Molly was feeling so behind on saving and investing for retirement, and she was eager to catch up. This was the year to do it because her business did better than she expected, and she needed to save some on taxes, too. I opened a Solo K for her, and her max deferral on the employee side alone saved her about $12,000. It's getting her back on track to meet her goals.
A solo 401(k) is simply a retirement plan for a one-person company. Just like any other 401(k) in 2026, investors can contribute $24,500 into the plan by 12/31 as an employee deferral. Contributions reduce the owner's income taxes due.
I'm a good referral for your client, who brags about the tax benefits of getting paid via 1099. He really wants to be the millionaire next door, not just get a tax break on his truck expenses. Ask him about the most questionable return he made to Costco to squeeze a few bucks back out of life.
Melissa Moss
InfoMinute
Financial Services | Investment
Financial Advisor
Filing Cabinet
Endorsement Letters I've Given
Price Wilkes
Benito Canales
Matt Valente
Sponsorship
Development
Contribution
