Your Financial Genie

05/26/2026

Are you worried about how much of your retirement income will go to taxes?

Most pre-retirees don't realize how much gets lost to taxes until it's too late to do anything about it.

Join me for a free educational workshop where you'll learn:
✅ How to create a tax-focused retirement plan
✅ How to avoid IRMAA and higher Medicare premiums
✅ How to create tax-efficient retirement income
✅ Whether you'll really be in a lower tax bracket in retirement
✅ How to avoid costly mistakes during the transition to retirement

Two dates to choose from:
📅 Wednesday, June 10, 2026
📅 Thursday, June 11, 2026

🕕 6:00 PM to 7:00 PM

📍 East Anaheim Community Center, Oak Room
Anaheim Hills, CA

Seating is limited and advance registration is required.

👉 Reserve your spot here:

Free retirement tax workshop Anaheim Hills, June 10 or 11, 2026. Learn to protect your income and reduce taxes in retirement. Reserve your seat today.

04/18/2026

Most retirees don't see this coming.

And it can cost more than expected.

I break it down in a simple guide.

👉Download it here:
https://yourfinancialgenie.com/wp-content/uploads/2026/04/Retirement-Tax-Trap-Guide-Ilkay-Sepulveda.pdf

04/14/2026

Most people decide when to claim Social Security based on a friends advice or because 62 feels like a finish line.

That one decision can cost them over $100,000.

I just published a guide walking through the 4 factors that should actually drive your claiming decision and why the "claim early" instinct that feels so logical often works against you.

The math behind delaying to 70 is one of the most reliable guaranteed returns available to anyone approaching retirement. But it is not the right answer for everyone.

Here is what actually matters:
✓ Your health and family history
✓ Your other income sources
✓ Your spouse's survivor benefit
✓ Your tax situation in retirement

If you are within 5–10 years of retirement and have not had a serious conversation about Social Security timing yet, this is the read that could change your plan.

Link in the comments 👇

When should you claim Social Security? The answer can be worth six figures. Here is how to make this decision the right way for your retirement.

04/07/2026

Before You Retire, Read This

Most people spend decades saving for retirement.
But very few understand how to turn that into income.

That’s where costly mistakes happen.

If you are within 5–10 years of retirement, the decisions you make now will impact:

Your taxes
Your Social Security
Your income for life

If you want clarity on where you stand:

👉 Book a 15-minute consultation
https://calendly.com/yourfinancialgenie/complimentary-strategy-session

08/03/2025

🚨 Only 2 Spots Available This Week! 🚨

We're offering 2 FREE Retirement Blueprint Sessions to help you:

✅ Create a reliable income plan for retirement
✅ Save on taxes so you keep more of your hard-earned money
✅ Retire with confidence knowing you won’t outlive your savings

🎁 BONUS: Get a $50 Amazon Gift Card just for completing your session!

This offer is for this week only, and spots will go fast.
📅 DM me now or book directly here 👉 https://bit.ly/YFG-RB

06/01/2025

Many retirees are shocked to learn that Medicare doesn’t cover some of the most expensive parts of aging. From dental to long-term care, gaps in coverage can leave you vulnerable.

A growing number of retirees are struggling with healthcare debt due to medical bills that Medicare doesn't cover.

03/06/2025

💔 Life changes FAST—whether it’s divorce, losing a spouse, or stepping into financial independence for the first time. And yet… most women don’t adjust their retirement plan.

Here’s the mistake I see too often:

💰 Keeping the same financial strategy as before.
👉 What worked in a marriage may NOT work when planning solo.

So if you’re single, divorced, or widowed, here’s what you MUST do now:

1️⃣ Recalculate Your Retirement Number – Your expenses and goals have changed. Adjust your budget, savings rate, and investment strategy.
2️⃣ Maximize Every Dollar – Social Security, 401(k) rollovers, spousal benefits… you may be leaving money on the table!
3️⃣ Protect What You Have – A long-term care plan is CRUCIAL since women often outlive men.

🎯 Your future is YOURS to create! The best time to plan is NOW.

02/18/2025

💡 Quick Tip: The One Account Every Woman Starting Fresh Needs

Starting over financially can feel overwhelming, but one small step can make a BIG difference: Open a "Fresh Start Fund."

✨ What is it? A separate high-yield savings account dedicated just to your new financial chapter.
✨ Why? It creates financial breathing room and a sense of control, even if you start with just $10 a week.
✨ Where? Online banks often offer better interest rates—look for no-fee, high-interest options!

💬 What’s one small money habit you’ve started that made a difference? Let’s inspire each other in the comments! ⬇️

02/18/2025

💰 RETIREMENT MYTH BUSTED! 💰
Have you heard that you need $1 million to retire comfortably? 🙄 It’s one of the biggest myths out there!

Here’s the truth: Retirement success isn’t just about how much you save—it’s about how you spend, invest, and create income.

🔥 What’s one thing you thought was true about retirement that turned out to be false? Let’s bust some myths together! ⬇️

01/16/2025

💸 You work hard for your money, but it's it working hard for YOU? 🤔 Let's fix that! Swipe 👉 for simple ways to take control of your finances today.