Compass Wealth Management

05/27/2026

A job change doesn’t just impact your income, it can affect your entire financial picture. From retirement accounts to benefits, cash flow, and taxes, there are several moving pieces to consider.

Decisions around rollovers, insurance, and equity compensation can have long-term implications if they’re not coordinated.

Think of a career transition as an opportunity to strengthen your financial plan.

Want help navigating a transition with clarity?
https://www.compasswm.net/contact-us

05/20/2026

One of the most commonly underestimated expenses in retirement is healthcare. And it’s not just premiums, it’s out-of-pocket costs and how those expenses tend to rise over time.

The challenge is that healthcare is hard to predict. That’s why planning should focus on building flexibility into your plan rather than getting the number exactly right.

Preparation matters more than precision.

Need help planning for real-world retirement expenses?
https://www.compasswm.net/contact-us

05/13/2026

Retirement income isn’t a magic account balance, it’s a system. Most people rely on a combination of Social Security, investments, and other income sources.

The real challenge is how those pieces work together. When should you withdraw? How does it affect your taxes? What happens in a down market?

That’s where thoughtful planning can make a big difference.
Want help building a coordinated income strategy?
https://www.compasswm.net/contact-us

05/06/2026

Most people don’t fall off track because of one big mistake. It’s usually smaller things like spending drift, idle cash, or a plan that hasn’t been revisited.

Before summer gets busy, it’s a good time for a quick check-in:
• Are you still on track for retirement?
• Has your spending shifted?
• Are your cash and investments aligned with your goals?

Small adjustments now can help you avoid bigger changes later.

Want a second set of eyes on your plan?
https://www.compasswm.net/contact-us

04/09/2026

Retirement isn’t just about how much you’ve saved it’s how you use it.

At 65 with $2 million, key questions become:
How do I generate income?
How do I reduce taxes?
How do I protect against market downturns?

In this short video, Lance Miller walks through a practical framework to help answer those
questions.

04/08/2026

Private credit has been gaining attention as banks continue to tighten lending standards. For investors, this evolving space may offer potential income opportunities—but it also comes with unique risks and complexities.

Understanding how private credit fits within a broader portfolio strategy is key, especially for those approaching or in retirement who value stability and thoughtful diversification.

In this short video, Robert Amato explains what’s driving interest in private credit and why careful evaluation matters before incorporating alternative investments into a financial plan.

🎥 Watch the full video here: https://youtu.be/lZQ30T-lu7w

03/31/2026

Private credit has been marketed as stable and less volatile than public markets — but recent redemption requests are revealing structural limitations that investors may not fully appreciate.

In our latest video, Robert Amato explains how liquidity constraints, bank exposure, and credit market stress could have broader implications for portfolios — even if you don’t directly own private credit investments.

Compass uses a proprietary risk management system called Investment Road Signs™ to identify and monitor emerging risks before they become larger problems.

Watch more: https://www.compasswm.net/videos/private-credit-risk

While investors are focused on geopolitical risks and inflation headlines, another concern has quietly been building in credit markets.Private credit has oft...

03/25/2026

If you’ve been granted 𝗥𝗦𝗨𝘀 𝗼𝗿 𝘀𝘁𝗼𝗰𝗸 𝗼𝗽𝘁𝗶𝗼𝗻𝘀, those decisions connect to more than your compensation—they can affect 𝗰𝗮𝘀𝗵 𝗳𝗹𝗼𝘄, 𝘁𝗮𝘅𝗲𝘀, 𝗮𝗻𝗱 𝗰𝗼𝗻𝗰𝗲𝗻𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗿𝗶𝘀𝗸, especially near retirement or a job transition.

𝗞𝗲𝘆 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗽𝗿𝗲𝘀𝘀𝘂𝗿𝗲-𝘁𝗲𝘀𝘁:
• How much of your net worth is tied to one company?
• How will vesting/exercise/sales affect taxes and income planning?
• Does this align with your retirement and estate goals?

Want help connecting your equity compensation to your bigger plan? Let’s connect: https://www.compasswm.net/contact-us

03/19/2026

Thinking about how to turn $2 million into reliable income in retirement? It’s not just about growth—it’s about managing risk, minimizing taxes, and ensuring a steady cash flow.

In our latest video, Lance Miller, CFP®, walks you through the exact retirement framework we’d use to protect savings and optimize income over the long term.

Here's what you'll learn:

✅ How sequence of returns risk can affect your retirement portfolio

✅ The three-bucket strategy to manage risk and secure income

✅ Key tax strategies to minimize your tax liability in retirement

✅ How to stress test your retirement plan for long-term success

At Compass Wealth Management, we help retirees create strategies to ensure their portfolios last throughout retirement.

▶️ Watch the full video here: https://www.compasswm.net/videos/retirement-plan-65-with-2-million

03/18/2026

🚨 𝗠𝘆𝘁𝗵: Tax season is “tax planning.”
𝗥𝗲𝗮𝗹𝗶𝘁𝘆: Filing looks back. Planning looks forward.

Decisions like 𝗥𝗼𝘁𝗵 𝗰𝗼𝗻𝘃𝗲𝗿𝘀𝗶𝗼𝗻𝘀, 𝗰𝗵𝗮𝗿𝗶𝘁𝗮𝗯𝗹𝗲 𝗴𝗶𝘃𝗶𝗻𝗴 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗲𝘀, and 𝗯𝗿𝗮𝗰𝗸𝗲𝘁 𝗺𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 often work best when addressed early—before year-end deadlines compress choices.

We’re here to help: https://www.compasswm.net/contact-us