Cedarwood - Financial Planner: Jeremy Self

09/15/2026

Being laid off from a job is so difficult…

09/09/2026

What was your favorite summer memory from Summer 2026?

09/05/2026

Thankful for all of my clients. Happy Labor Day Weekend!

09/01/2026

It’s a learning curve for sure…

08/31/2026

“You’ll pay less tax in retirement” isn’t always true. Combining Social Security with required minimum distributions can trigger the “tax torpedo,” potentially raising the effective tax rate on additional withdrawals. See how careful planning may help: https://bit.ly/3U4oJIl

Your Social Security income and RMDs will most likely combine to deliver a tax torpedo, but there are ways to reduce your income in retirement to pay less tax.

08/25/2026

Fun!

08/17/2026

Only 16% of Gen X workers say they’re very confident they’ll be able to retire comfortably.

If you’re in your 40s or 50s and feel like you’re behind, don’t panic. You still have time to make meaningful progress.

Start with a few simple questions:

How much have you saved?

How much are you saving each month?

And most importantly, how much will you actually need to make work optional someday?

There are also opportunities after age 50 to put additional money into your 401(k) and IRA through catch-up contributions.

The goal isn’t to hit some arbitrary number someone says you “should” have by a certain age. It’s to have a plan based on the life you actually want to live.

If you’re not sure whether you’re on track, that’s a question we help people answer every day.

08/10/2026

☀️ August is packed at the Lake Travis Chamber!

From networking and building new connections to learning and supporting our local business community, there are plenty of opportunities to get involved this month.

📅 Check out our August events, save the dates, and make plans to join us!

07/29/2026

HSA, FSA, and HRA may sound similar, but their rules and benefits can be very different. Here’s a quick breakdown of how each option works.

💰 HSA: Employee-owned, portable, and eligible funds roll over from year to year. Contributions, growth, and qualified withdrawals may all receive tax advantages.
📅 FSA: Helps employees pay predictable medical costs with pretax dollars, but unused money may be forfeited at year-end.
🏢 HRA: Funded entirely by the employer and used to reimburse eligible expenses; unused funds generally stay with the company.

See how eligibility, ownership, and rollover rules can help determine which account fits your needs: https://bit.ly/4fBmgfl

07/29/2026

Good advice!

Q&A:
Without a named successor custodian, a court may be the one deciding who manages your child's money, and that's not a hypothetical.
A Trump Account is an account in your child's name, managed by a designated custodian (typically a parent) until the child turns 18. If something happens to you before then and no successor custodian has been named, a court steps in to appoint one. Courts don't know your family. They don't know who you would have chosen. And the legal process takes time that your child's finances shouldn't have to wait on.
The solution is straightforward: name a successor custodian when you open the account. But that's also just the beginning.
The Trump Account doesn't automatically flow into a trust you've set up for your child's benefit. Investment accounts with designated custodians operate outside a will. If you want the account coordinated with the rest of your estate plan, that needs to be set up intentionally, with an attorney who understands how the pieces connect.
For families with more than one child, or children from a previous relationship, whose money is this, legally, if circumstances change? These are questions worth answering now.

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