Warner Financial

10/19/2026

🧭 It's National Retirement Security Week!

This annual observance is dedicated to raising awareness about the importance of retirement planning and financial literacy.

Understanding concepts like compound interest, investing, risk management, 401(k)s, and IRAs can help you make more informed decisions and build a stronger foundation for the future. The more you know, the better equipped you'll be to navigate life's financial twists and turns.

No matter where you are on your retirement journey, taking time to learn, review your strategy, and stay engaged with your financial plan can make a meaningful difference over the long term.

10/18/2026

National Chocolate Cupcake Day! 🧁🍫

As far as we are concerned, there is absolutely no problem that a freshly baked chocolate cupcake can't fix. Today is the ultimate excuse to swing by your favorite bakery or fire up the oven.

But before you take that first bite, we have to settle a major debate! When you eat a cupcake, how do you handle it? 🤔
🧁 The Frosting First: Eat the topping, then the cake.
🧁 The Sandwich: Cut the bottom off and flip it on top of the frosting.
🧁 The Giant Bite: Go for gold and get both in every mouthful.

Drop your cupcake eating style in the comments below! 👇👇

10/18/2026

When spouses inherit a Roth account, the only fundamental change is the name on it. If the five year rule has been met, they can withdraw funds tax free or simply leave the account untouched.

Know someone who may one day inherit a Roth IRA from a spouse? Share this with them.

Want the full discussion? Listen to the latest episode here:

Spotify: https://open.spotify.com/episode/1Ld2MKofoKV3Vl53xvr50I

Apple Podcast: https://podcasts.apple.com/us/podcast/are-you-looking-at-the-full-picture-before-doing-a/id1753108314?i=1000796092937

Investment advisory products and services made available through Impact Partnership Wealth, LLC (“IPW”), a registered investment advisor. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 5968197-10/26

10/16/2026

Not every Friday comes with sunshine.

But it still comes with a weekend.

Have a great weekend, everyone! ☕🍂

10/16/2026

When your beneficiaries — whether they’re a spouse, child, or even a cousin — inherit Roth funds, they may be able to receive distributions without owing income tax, depending on applicable requirements. The key detail: Roth accounts are subject to a five-year holding period for qualified distributions. Once that requirement is met, distributions to heirs may generally be income-tax-free, although beneficiary distribution rules still apply.

Listen to the latest episode here:

Spotify: https://open.spotify.com/show/2gmBKDq7sAmwQz7QBlpciR

Apple Podcast: https://podcasts.apple.com/us/podcast/the-retirement-bullpen-with-richard-warner/id1753108314

Investment advisory products and services made available through Impact Partnership Wealth, LLC (“IPW”), a registered investment advisor. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 6001916-10/26

10/15/2026

Medicare Open Enrollment begins today and runs through December 7!

Your healthcare needs, prescription medications, and out-of-pocket costs can change over time, which is why reviewing your Medicare coverage each year is so important.

As you evaluate your options, remember to:

✔️ Review your prescription drug coverage
✔️ Check for changes to provider networks
✔️ Compare plan costs, premiums, and benefits
✔️ Make sure your coverage still aligns with your healthcare needs

Taking a few minutes to review your plan now can help you make more informed healthcare and financial decisions for the year ahead.

10/14/2026

Many people assume Roth conversions are only for those who are still working or years away from retirement. That isn't necessarily the case.
Retirement planning decisions are often based on your current situation, not simply your age. There may be years when a Roth conversion makes sense and years when it doesn't.
That's why there is rarely an "always" or "never" answer when it comes to retirement planning.

Know someone who thinks they're too old or too far into retirement to explore their options? Share this with them.

🎙️ Want to know more? Listen here:

Spotify: https://open.spotify.com/episode/1Ld2MKofoKV3Vl53xvr50I

Apple Podcast: https://podcasts.apple.com/us/podcast/are-you-looking-at-the-full-picture-before-doing-a/id1753108314?i=1000796092937

Investment advisory products and services made available through Impact Partnership Wealth, LLC (“IPW”), a registered investment advisor. Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. 5968166-10/26

10/13/2026

Anchors Aweigh! ⚓

From the historic sails of 1775 to the cutting-edge fleets patrolling the globe today, the Navy has always stood as a shield for freedom.

To all the brave sailors currently standing the watch, and to the incredible veterans who have proudly worn the uniform—thank you for your sacrifice, your strength, and your unwavering service to our country.

Do you have a sailor or a Navy veteran in your life? Give them a shoutout and say thank you in the comments below! ⚓

10/13/2026

Roth conversions can sound like a retirement planning home run, but what if the hidden costs deserve just as much attention as the potential tax savings? In this episode of The Retirement Bullpen, Richard Warner continues the conversation on Roth conversions and explores the factors many investors overlook. From Medicare IRMAA surcharges and Social Security taxation to capital gains implications, legacy planning, and life expectancy considerations, Richard explains why Roth conversions are rarely a one-size-fits-all strategy. He also discusses how timing, tax brackets, and beneficiary planning can dramatically impact the outcome. If you've heard that everyone should be doing Roth conversions, this conversation highlights why the right answer depends on your unique financial situation.

Book your complimentary appointment with Richard and his team on warnerfinancialsolutions.com or call 402-274-9185.

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Roth conversions can sound like a retirement planning home run, but what if the hidden costs deserve just as much attention as the potential tax savings? In this episode of The Retirement Bullpen, Richard Warner continues the conversation on Roth conversions and explores the factors many investors o...

10/13/2026

New Retirement Bullpen podcast is coming your way tomorrow.

We'll see you in the bullpen.