Belmont Capital Advisors

09/08/2026

What causes some retirees to run short on retirement income despite years of planning?

In this article, JoePat shares insights on one of the biggest challenges retirees face: understanding how taxes, withdrawals, and retirement income strategies can impact their financial future. Research highlighted in the article found that 45% of Americans retiring at age 65 could face the risk of running out of money during retirement.

Read the full article 👉

Americans who have saved their entire lives in retirement plans face the risk of going broke in their golden years because many deplete their funds severely through premature withdrawals and lack proper tax planning for post-retirement income.

09/07/2026

Today, we celebrate the hard work, dedication, and perseverance that help make our communities stronger. We hope you take time today to relax, recharge, and enjoy the holiday with family and friends!

09/04/2026

Could your estate plan unintentionally create conflict for your family?

Some of the most common estate-planning mistakes include:
❌ Not updating your plan after major life changes
❌ Surprising heirs with unexpected decisions
❌ Ignoring family dynamics
❌ Choosing an executor who may create tension among beneficiaries

A well-designed estate plan can help ensure your wishes are carried out while reducing the likelihood of misunderstandings or disputes.

When was the last time you reviewed yours?

09/03/2026

If you're using an IRA to support charitable causes, there's a new rule worth paying attention to.

A recent Morningstar article highlights how a new IRS reporting code for Qualified Charitable Distributions (QCDs) is creating confusion for some IRA owners, particularly those who use IRA checkbooks to make charitable gifts. The article notes that custodians are not taking a uniform approach to reporting these transactions, which raises important questions about documentation and tax reporting.

The good news? The article suggests that how a custodian reports a distribution may not ultimately determine whether it qualifies as a QCD. However, IRA owners are still responsible for ensuring all requirements are met.

📖 Read the full article to learn what this change could mean for charitable giving strategies:

Can IRA checkbook checks qualify as QCDs? Explore new IRS Code Y reporting, custodian differences, and what determines QCD tax treatment.

07/26/2026

Meet The Team! 👋

Greg grew up on a farm in western PA, earned a bachelor’s degree in physics and an MBA in organizational effectiveness. He began his career with American Express Financial Advisors and has sharpened his knowledge and skills over his 30 years in the industry. He has experience in planning, trust and estates and asset management. Greg lives in Gastonia with his girlfriend Sharon. He has a CERTIFIED FINANCIAL PLANNER™ designation and enjoys travel, photography, and time in the mountains.

“My career evolved into becoming a Financial Advisor after experiencing the effects of bad financial advice to family and friends,” Greg says. “My calling is to help clients make the best decisions with the funds they have.”

Visit belmont-capital.com to meet the rest of the team!

07/24/2026

📺 What happens to your retirement plan when the market takes a hit? JoePat breaks down the impact of major losses on this segment of The Money Report.

07/23/2026

Just because something has worked for years doesn't mean it's the right strategy for retirement.

The S&P 500 has built countless retirement accounts—but should it be your entire retirement plan?

As our president, JoePat, shared with Kiplinger:

"The goal isn't simply to grow your money. It's to create a retirement strategy that can provide reliable income, manage risk, and adapt to life's changes."

Whether you're preparing for retirement or already living it, your investment strategy should reflect your goals—not just your portfolio's performance.

Read the full article here: https://www.kiplinger.com/retirement/retirement-planning/should-you-go-all-in-on-an-s-and-p-500-etf-for-retirement-savings

The S&P 500 is a go-to for long-term wealth building, but how should index ETFs fit into your retirement income plan? We break down the expert advice.

07/20/2026

Most people don’t realize how many retirement decisions are based on assumptions.

The problem? Some of those assumptions aren’t accurate—and they can impact how prepared you feel later on.

Here are a few common retirement myths we hear all the time.

👉 Which one surprised you the most?

07/17/2026

You planed all your summer vacations… but have you planned your retirement? ☀️

We spend so much time planning the getaway… but not enough time planning the freedom we’re working toward.

So ask yourself: are you as prepared for retirement as you are for your next trip? We’re here to help you take a closer look. Give us a call at (704) 825-1560 or visit belmont-capital.com to get started with your custom retirement plan!

07/14/2026

⚾️ Trading cards aren't just for baseball players anymore.

In honor of the MLB All-Star Game, we created a Financial Advisor All-Star card for JoePat. While his stats may not include home runs or RBIs, helping clients navigate retirement and life's financial curveballs is a pretty impressive record.