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Life happens. Here is what to do.
Sixty-second playbooks for the moments that matter. Each one tells you what to do first, what to skip, and how we help. When in doubt, call us first: (317) 759-7328.
Do this
- Remember what the Walls are for. Your Wise Reserve holds years of income away from market risk, so near-term spending does not depend on this week's prices.
- Check your own plan, not the news. Your income for the months ahead comes from the Foundation and the Reserve, not from what the Roof is doing today.
- If you are still uneasy after that, book a call. Fifteen minutes with real numbers beats a weekend of worry.
Skip this
- Selling long-term investments while they are down. That turns a temporary decline into a permanent one.
- Making any big money decision from a headline, a neighbor, or a cable segment.
How we help
- We will walk through your Reserve, your income, and what, if anything, is actually worth changing. Sometimes a down market opens planning opportunities, like converting at lower values. We will tell you plainly either way.
Do this
- Be with your family. Almost nothing financial has to happen in the first days, and we will tell you the few things that do.
- Call us before you call Social Security, insurance companies, or account custodians. The order you do things in matters, and we will sequence it with you.
- Request 10 to 12 certified copies of the death certificate through the funeral home. Institutions each want their own.
Skip this
- Retitling accounts, cashing checks made to the estate, or moving money before we talk. Some steps cannot be undone and some have tax consequences.
- Making major decisions (selling the house, gifting, paying off large sums) in the first months of grief.
How we help
- We handle the custodian paperwork with you, coordinate with the attorney on the legal side, review beneficiary claims, and rebuild the income plan for the road ahead. You will not do this alone.
Do this
- Hang up or close it. Do not click links, do not call numbers from the message, and never read anyone a code that was texted to you.
- Call us at (317) 759-7328. We will check your accounts directly with the custodian and tell you if anything real is going on.
- If you shared information, we will help you change credentials and place fraud alerts or credit freezes with Equifax, Experian, and TransUnion.
Skip this
- Acting on urgency. Real institutions do not demand gift cards, wire transfers, or secrecy, and they do not threaten arrest.
- Assuming an email that looks like us is us. We never move money based on an email or text alone, so a message asking you to "confirm a transfer" that way is not how we work.
How we help
- We verify every money movement with you by phone before anything happens. If something looks off, call and let us check. You will never bother us with this. We would rather take ten of these calls than miss one.
Do this
- Park it somewhere boring and let it sit. Money that just arrived does not need a job by Friday.
- Call us before signing anything or choosing any distribution option. Inherited retirement accounts come with real deadlines, and most non-spouse beneficiaries must empty an inherited IRA within 10 years.
- Keep quiet about it outside your household. Sudden money attracts sudden friends.
Skip this
- Cashing out an inherited IRA in one lump because the form made it look easy. That single checkbox can cost tens of thousands in avoidable tax.
- Big gifts or purchases before there is a plan for the whole amount.
How we help
- We map the tax rules for what you inherited, spread withdrawals across the right years, and give every new dollar a job inside your existing plan.
Do this
- Tell us your date, even a rough one. The year you stop working sets up your first Roth conversion window, and those early low-income years are usually the most valuable ones.
- If you are under 65, ask us about the health coverage bridge to Medicare before you give notice.
- Get the paycheck plan on paper: which account pays you, how much, and on what day of the month.
Skip this
- Rolling over your 401(k), electing your pension, or filing for Social Security before we have modeled the options. Several of these choices are one-time and permanent.
How we help
- We build your retirement paycheck, time Social Security, plan the conversion years, and set the Wise Reserve so your first market storm as a retiree changes nothing.
Do this
- Call before money moves, especially wires. We will confirm wire instructions by phone, because wire fraud is real and unrecoverable.
- Let us pick which account the money comes from. Pulling from the wrong one can push you into a higher bracket or over a Medicare income line.
- Selling a home? Ask about the home-sale exclusion and what the proceeds' new job should be.
Skip this
- Taking a large IRA withdrawal in December without checking the tax picture. Sometimes waiting three weeks into January saves real money.
- Emailing us account numbers or wire details. Use the secure upload or call.
How we help
- We source the cash the smart way, spread it across tax years when that helps, and keep the rest of the plan intact around it.
The ages that matter
Retirement runs on deadlines most people learn about one year too late. Here is the whole map. When one of these is on your horizon, we will already be talking about it.
Catch-up begins
Extra contribution room opens: $8,000 more in a 401(k), $1,100 more in an IRA for 2026.
Rule of 55
Leave your employer in or after the year you turn 55 and that 401(k) can be tapped without the 10% penalty.
Penalty gone
Retirement account withdrawals no longer carry the 10% early-withdrawal penalty. Full planning flexibility opens.
Super catch-up
Ages 60 to 63 can add $11,250 to a workplace plan instead of $8,000. Also: widows and widowers can begin survivor benefits.
Social Security opens
Earliest claiming age, at a permanently reduced amount. Whether to take it is a math problem we do together, not a birthday reflex.
The quiet one
Medicare looks back two years at your income. What you earn and convert from now on can set your premiums at 65. This age is why we plan conversions early.
Medicare
Your enrollment window runs from 3 months before your birthday month to 3 months after. Missing it can mean lifelong penalties.
Full retirement age
For everyone born in 1960 or later. Your full Social Security benefit, and the earnings test disappears.
Social Security peaks
Benefits stop growing. There is no reason to wait past 70. Delayed credits added roughly 8% per year since full retirement age.
RMDs begin
Required minimum distributions start for those born 1951 to 1959. Born 1960 or later? Yours start at 75. Either way, the IRS is done waiting.
RMDs, later group
The required-distribution age for everyone born in 1960 or later. The extra years before it make the conversion window even more valuable.
Tools worth five minutes
The same math we run in planning meetings, simplified for a quick check between reviews. Everything runs on this page. Nothing you type is saved or sent anywhere.
| MAGI (married filing jointly, 2024) | Part B / person | Part D adds |
|---|
Tax Season HQ
January through April, in the right order, with no February panic. Bookmark this in the fall and the season runs itself.
Let the documents come to you
- Late January: your SSA-1099 (Social Security), 1099-Rs for annuity and IRA money, and bank 1099-INTs arrive.
- Start a single folder, paper or digital, and drop everything in as it lands.
- Check the refreshed key numbers card on this page. New year, new limits.
The 1099 wave
- Mid to late February: consolidated 1099s arrive from investment custodians for taxable accounts.
- IRA and Roth accounts do not generate a 1099 unless money came out. No document is normal.
- Missing something? Ask us before you hunt. We can usually pull it up in minutes.
File, but not too early
- Own funds in a taxable account? Corrected 1099s commonly arrive into March. Filing in early February is how amended returns happen.
- Did a Roth conversion last year? Make sure the 1099-R made it to your preparer. It will show as a distribution, and the conversion paperwork tells the rest of the story.
- We are glad to talk directly with your tax preparer. One email and we handle it between us.
Send us the return
- Your tax return is a planning goldmine. We read every client's return for conversion room, IRMAA lines, capital-gain positioning, and missed opportunities for next year.
- Upload the full return, all pages, through the secure link. Ten minutes now shapes the whole year's strategy.
- Refund or balance due surprised you? That is a withholding conversation, and an easy fix.
Paying quarterly estimates?
2026 due dates: Jan 15 · Apr 15 · Jun 15 · Sep 15. Retiree shortcut: withholding taken from an IRA distribution counts as if it were paid evenly through the whole year, even in December. For many of our clients that replaces quarterly vouchers entirely. Ask us before year-end.
The 2026 numbers that matter
Every limit, bracket, and threshold you are likely to ask about this year, on one card. We refresh this page every January when the IRS and Social Security release new figures.
2026 tax brackets, married filing jointly
| Rate | Taxable income |
|---|---|
| 10% | $0 to $24,800 |
| 12% | $24,801 to $100,800 |
| 22% | $100,801 to $211,400 |
| 24% | $211,401 to $403,550 |
| 32% | $403,551 to $512,450 |
| 35% | $512,451 to $768,700 |
| 37% | Over $768,700 |
2026 tax brackets, single
| Rate | Taxable income |
|---|---|
| 10% | $0 to $12,400 |
| 12% | $12,401 to $50,400 |
| 22% | $50,401 to $105,700 |
| 24% | $105,701 to $201,775 |
| 32% | $201,776 to $256,225 |
| 35% | $256,226 to $640,600 |
| 37% | Over $640,600 |
For my family
If something happened to you tomorrow, would your family know who to call and where things are? Fill this in, print it, and keep it with your JETBook. It may be the kindest page you ever hand them.
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(317) 759-7328