Financial Strategies, Inc

Financial Strategies, Inc We are a Fee-Only Wealth Advisory firm. We work personally with clients and their families to help t

In 1991 James Cantrell started Financial Strategies with the support of his loving wife. Now, 29 years later, it is a successful advising firm with multiple certified financial planners that never lost its value for ethical, honest, and respectful strategies.

Did you know your Social Security benefits may be taxable?Many retirees are surprised to learn that up to 85% of their b...
05/06/2026

Did you know your Social Security benefits may be taxable?

Many retirees are surprised to learn that up to 85% of their benefits could be subject to federal income tax depending on their income level. Strategies like Roth conversions or capital gains harvesting can also create unintended tax consequences if not planned carefully.

Our latest article breaks down:
✔️ How Social Security taxation works
✔️ What “provisional income” means
✔️ The impact of the One Big Beautiful Bill Act (OBBBA)
✔️ Planning strategies to help avoid costly surprises

Read more here:

The tax world is undoubtedly complex and there is much confusion over if or how Social Security benefits are taxable. Like most aspects of the tax code, the answer depends on your individual situation. How Social Security is Taxed To determine if or how much of your Social Security

Required Minimum Distributions (RMDs) are an important part of retirement planning—but the rules have changed in recent ...
03/10/2026

Required Minimum Distributions (RMDs) are an important part of retirement planning—but the rules have changed in recent years. With updates from the SECURE Act 2.0, many retirees now have more time before withdrawals must begin.

In our latest article, we break down:
• What RMDs are and when they start
• How RMDs are calculated
• How they’re taxed
• Special rules if you’re still working
• Planning strategies to help manage the tax impact

Retirement accounts like traditional IRAs and 401(k)s offer powerful tax-deferred growth. But there comes a time when Uncle Sam requires you to start taking money out and paying the associated taxes. Those mandatory withdrawals are called Required Minimum Distributions (RMDs) and understanding them

Are you saving for college but not sure if you’re using the right account? 🤔There’s more than one way to do it—and the r...
02/10/2026

Are you saving for college but not sure if you’re using the right account? 🤔

There’s more than one way to do it—and the right choice depends on your goals.

Learn the pros and cons of 529 plans, UTMA accounts, and more.

With rising tuition costs and increasingly competitive financial aid, choosing a savings strategy can be overwhelming. Several college savings vehicles are available, each offering different tax benefits, flexibility, and implications for financial aid. The most common options include 529 plans, Cov...

The year is drawing to a close, and you may be considering year-end donations. There are strategic ways to donate to cha...
12/12/2025

The year is drawing to a close, and you may be considering year-end donations. There are strategic ways to donate to charities that can benefit both the giver and the receiver. Read our latest article to learn more.

How to give the most bang for your buck. The year is drawing to a close, and you may be considering year-end charitable donations. There are strategic ways to donate to charities that can benefit both the giver and the receiver.  

If you are a higher-income taxpayer enrolled in Medicare, you may have received a letter from the Social Security Admini...
11/30/2025

If you are a higher-income taxpayer enrolled in Medicare, you may have received a letter from the Social Security Administration (SSA) this fall. The Income-Related Monthly Adjustment Amount, or IRMAA, is an additional premium charged on Medicare Parts B and D for individuals with higher income levels. Let’s break down what it means, how it’s calculated, and what you can do if you’re affected.

What to know if you get an IRMAA letter this year. Photo by National Cancer Institute on Unsplash If you are a higher-income taxpayer enrolled in Medicare, you may receive a letter from the Social Security Administration (SSA) this fall. This notice concerns

The IRS has announced updated limits and thresholds for contributions to retirement accounts, employer-sponsored plans, ...
11/25/2025

The IRS has announced updated limits and thresholds for contributions to retirement accounts, employer-sponsored plans, and other savings vehicles. Visit our website to download the guide to see how the limits have changed for 2026.

2026 Thresholds and Limits   The IRS has announced updated limits and thresholds for contributions to retirement accounts, employer-sponsored plans, and other savings vehicles. Download this guide to see how the limits have changed for 2026 and learn how much you may be able to save moving forward....

Considering retirement before age 65? Don't let health insurance concerns prevent you from living out your retirement pl...
10/08/2025

Considering retirement before age 65? Don't let health insurance concerns prevent you from living out your retirement plans. In our latest article, we discuss coverage options to bridge the gap until Medicare eligibility.

Filling the gap between early retirement and qualifying for Medicare. Health insurance is one of the biggest concerns for people considering retirement before age 65. Many hesitate to leave work because employer-sponsored coverage ends, and Medicare hasn’t yet begun. While this

Email scams are a pervasive threat, targeting individuals and businesses alike with increasingly sophisticated tactics. ...
07/02/2025

Email scams are a pervasive threat, targeting individuals and businesses alike with increasingly sophisticated tactics. Protecting yourself from these scams requires vigilance and a proactive approach. Read our latest article to get tips on how to recognize and avoid email scams.

How to recognize scams and what to do if you encounter them. The internet has made it easier than ever to get in touch with far-away loved ones or friends overseas. It has also made it much easier for the unscrupulous to prey

Can anyone start investing, regardless of their financial status? By investing small amounts regularly, you can cultivat...
06/15/2025

Can anyone start investing, regardless of their financial status? By investing small amounts regularly, you can cultivate financial discipline and achieve your long-term objectives without straining your resources. Our latest article covers:
•The concept of dollar cost averaging and its application
•How this investment method works
•An analysis of its risks and benefits
•The role it plays in fostering sound saving habits.

Investing small amounts of money regularly establishes good savings habits and can benefit you in the long run. You don’t need a lot of money to start investing. Investing a little bit every pay period, month, or quarter can develop financial discipline and help you reach your financial goals. Man...

When it comes to building long-term wealth, many investors tend to focus on the S&P 500. But an opportunity might be fly...
04/11/2025

When it comes to building long-term wealth, many investors tend to focus on the S&P 500. But an opportunity might be flying under the radar.

In our latest article, we break down:
• What small-cap value funds are
• How they have tended to outperform over the long run
• How they can add balance and diversification to your portfolio

Small-Cap Value Funds are part of a diversified portfolio for a very important reason - this article attempts to illustrate what Small Cap Value funds are and their importance in your portfolio. First, let’s discuss the Cap reference. Cap is derived from the term market capitalization which is the...

Address

13555 Bishops Court, Suite 340
Brookfield, WI
53005

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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+12628211664

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