Beacon Wealthcare |

01 Feb 2024 Another Reason It Pays to Delay Social Security

Posted at 15:36h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

Any client of mine knows I am a proponent of delaying Social Security until age 70. There are times where it doesn't make sense, such as poor health or a family history of shorter than average life expectancy. But, by and large I encourage my...

21 Dec 2023 Thoughtfulness Is The Greatest Gift Of All

Posted at 13:26h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

Christmas is just a few short days away! Unless you're a child, of course. In that case, each of the days leading up to Santa's arrival feels like its own separate eternity. For many reasons, the holidays are a magical time of year. There's the decorating...

09 Nov 2023 2024 Contribution Amounts, Tax Bracket Changes, and Social Security Increases

Posted at 15:58h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

Each year around this time the IRS announces contribution limit and tax bracket increases for the upcoming year. The Social Security Administration does the same, notifying recipients what change in benefits they can expect. You may remember that all of the above--contribution amounts, tax brackets and...

28 Sep 2023 Why I Left the NC 529 Plan (And Why You Probably Don’t Need To)

Posted at 15:20h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

Emily and I opened 529 accounts for Jack and Gwen within a month of their birth with The College Foundation of North Carolina (CFNC). When I set up Jack’s account more than 10 years ago what initially stuck out was how dated the website was...