Dakota Corum

06/15/2026

For high-income business owners, a Cash Balance Plan can be a powerful retirement strategy.

Although it’s technically a pension plan, benefits are often viewed as a “hypothetical account balance” that grows with annual credits. When paired thoughtfully with a 401(k), it may increase the amount you can contribute on a tax-advantaged basis. 💼

Good candidate:

Stable, strong cash flow
Desire to accelerate retirement savings
Interest in potential tax deductions
Important considerations include required ongoing funding and actuarial administration. Always coordinate with your tax professional before implementing. 📌

This material is provided for informational purposes only and is not intended as investment, tax, or legal advice. Cash Balance Plans are complex defined benefit plans that involve ongoing funding requirements, administrative costs, and actuarial calculations, and may not be suitable for all individuals. Tax benefits and contribution limits vary based on individual circumstances. There is no guarantee that any strategy will achieve its intended results. Please consult your financial, tax, or legal professional regarding your specific situation. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business.

06/15/2026

The Fed meets Tuesday and Wednesday, and while everyone’s expecting no change, there are still a couple things to keep an eye on—like the new dot plot and what’s next under the new Chair. CIO Gene Goldman reminds us that a Fed hold may not be exciting, but consistency counts. See more in .

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...

06/12/2026

Tired of hoping you’ll be okay when retirement arrives?

A 401(k), an IRA, and Social Security can work together, but it helps to have a clear strategy that ties everything to your goals.

Consider:
• Income needs and wants
• When to claim Social Security
• Tax planning now and later
• Risk aligned with your timeline
• Healthcare and surprise costs

You get one shot at your “golden years.” Let’s make sure your plan supports the life you envision. 🧭📅

Investing involves risk, including the potential loss of principal. There is no guarantee that any financial plan or investment strategy will achieve its intended results. This content is for informational purposes only and should not be construed as a recommendation or personalized advice. Distributions from retirement accounts may be subject to taxes and, if taken prior to age 59½, may be subject to an additional 10% federal tax penalty. This information is not intended as tax or legal advice. Please consult your tax and/or legal professional regarding your individual situation.

06/12/2026

Continuing our retirement plan series: the 401(k). 🧩

A 401(k) is popular because it can be flexible for both employers and employees. Employees typically contribute through payroll deductions, and employers may add matching or profit-sharing contributions. Many plans also offer Roth contribution options and, in some cases, participant loans.

A 401(k) may be a good fit for businesses that want to attract and retain employees with a strong retirement benefit—depending on goals, budget, and administrative preferences.

Pros:
• Higher contribution potential
• Employer match/profit sharing
• Roth options
• Flexible plan design

Consideration: administration is generally more involved than SEP or SIMPLE IRA plans. ✅

Want to compare options for your business? Let’s talk.

This content is for informational purposes only and is not intended as personalized investment advice. Retirement plan options, features, and benefits will vary based on plan design and individual circumstances. There is no guarantee that any strategy will be successful. Individuals should consult with a qualified financial, tax, or legal professional before making decisions regarding retirement plans.

06/11/2026

Life insurance is not about assuming the worst. It is about responsible stewardship.

If the unexpected happened, would your family have the resources to keep the home, cover bills, and stay on track with long term goals?

Coverage may be more affordable than you expect. Let’s check for gaps in your plan and price options with a range of leading carriers. Message me to get started. 📌

The cost, availability, and benefits of life insurance depend on factors such as age, health, product type, and the amount of coverage purchased. Policy features, premiums, and eligibility vary by carrier and underwriting approval. Insurance policies may include fees, charges, and limitations, and may be subject to surrender charges, benefit reductions, or other costs if modified or terminated early. Guarantees are based on the claims-paying ability of the issuing insurance company. This information is for general educational purposes only and should not be considered a recommendation of any specific policy or strategy.

06/10/2026

I’ve talked with a lot of people who feel like they don’t have enough to work with an advisor. I understand the feeling. I disagree.

If you have goals, we can start right where you are. We’ll get clear on priorities, build a simple plan, and take one smart step at a time.

You don’t have to hope it works out. Let’s team up and make progress.

06/09/2026

Yesterday we talked about tax credits that can help a business start a retirement plan. Over the next few days, we’ll walk through common plan types—today, the SEP IRA.

A SEP (Simplified Employee Pension) IRA is often one of the easiest options for small business owners and self-employed professionals to establish and maintain.

Key features:
• Employer contributions only (employees don’t defer)
• Contributions are typically tax-deductible
• Flexible funding—more in strong years, less in lean ones
• Higher limits than many traditional IRA choices

Best fit: solo owners, freelancers/consultants, and small teams wanting low admin.

One important note 📌: if you have eligible employees, contributions generally must be the same percentage of pay for everyone.

Questions about whether a SEP fits your situation? Let’s talk.

This information is for general educational purposes only and is not intended as tax or legal advice. Retirement accounts, including SEP IRAs, have contribution limits, eligibility requirements, and potential tax consequences for early withdrawals. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business.

06/09/2026

Retirement plan option spotlight: the SIMPLE IRA 🧾

A SIMPLE (Savings Incentive Match Plan for Employees) IRA can be a straightforward way for small businesses to offer a workplace retirement plan—often with less administrative complexity than a traditional 401(k).

How it works:
• Employees can contribute via payroll deductions
• Employers generally must contribute (either a match or a set contribution for eligible employees)

Best fit: Businesses with fewer than 100 employees looking for an affordable plan ✅

Pros:
• Salary deferrals
• Simpler administration
• No annual discrimination testing
• Often lower cost than many 401(k) plans

Key consideration: Contribution limits are lower than a 401(k).

Questions about which plan may fit your business goals? Let’s talk. 📩

This material is for informational purposes only and is not intended as tax, legal, or investment advice. Retirement plan options, including SIMPLE IRAs, involve specific eligibility requirements, contribution limits, and potential tax implications. Withdrawals may be subject to income taxes and, if taken early, an additional tax penalty. Cetera Wealth Services, LLC exclusively provides investment products and services through its representatives. Although Cetera does not provide tax or legal advice, or supervise tax, accounting or legal services, Cetera representatives may offer these services through their independent outside business.

06/09/2026

Read the latest issue of Retire Wise here:

Families often struggle to find meaningful ways to pass down their values. While wealth, heirlooms, or traditions can be transferred with relative ease,…

06/08/2026

Markets hit pause after a 9-week rally, with a Friday pullback shifting focus to a busy week ahead. Key themes include the SpaceX IPO, fresh inflation data, and Middle East developments. Chief Market Strategist Brian Klimke discusses the Fed’s next move and what is driving the markets and what’s just amplifying the noise in .

“Cetera Financial Group” refers to the network of independent retail firms encompassing, among others, Cetera Advisors LLC, Cetera Advisor Networks LLC, Cetera Investment Services LLC (marketed as Cetera Financial Institutions or Cetera Investors), and Cetera Financial Specialists LLC. All firms...