Armando Galdos - Financial Representative

03/11/2026

From one legend to another. Great tribute.

Snoop Dogg is honoring Tupac Shakur with the release of his 2 of Amerikaz Most Wanted wine.

03/10/2026

You might be paying more in taxes than you need to—and not even realize it.

From investment timing to account selection, small decisions can have a big impact on your total tax bill. Here are five areas to keep in mind this tax season.

01/15/2026

Jennifer Aniston, 56, sticks to an 80/20 diet that leaves room for the occasional cheeseburger and fries — and Demi Moore, 63, says she still drinks Red Bull.

01/13/2026

Our team knows how to break down complexities for clients, helping them understand strategies that can help support their financial needs. A new Life & Health Advisor article explores the potential role of life insurance in financial planning and supporting financial wellness.

Life insurance can serve as a vital tool for helping Americans build financial confidence and be prepared in case of the unexpected. Yet despite many Americans expressing concern with being financially ready in the event of a loss, few make the connection to how life insurance can provide protection...

12/17/2025

Retirement isn’t an ending — it’s a new beginning. In the latest episode of the Mind, Body, and Wallet® podcast, Guardian’s Chief Legal Officer, Kermitt Brooks, discusses how longer lifespans and shifting expectations are transforming retirement. From financial wellness to emotional wellness, Kermitt shares thoughts for thriving in this new chapter. Listen to the episode here: https://www.guardianlife.com/podcast/mind-body-wallet

12/16/2025

Creating a strategy for retirement means something different for each of us. To help you bring your vision to life, answer these 6 discovery questions. Then, let's connect to create your strategy. https://www.guardianlife.com/retirement/planner

12/12/2025

🚀 Big News for Your 2026 Retirement Plans! 🚀

The IRS announced new contribution limits for 2026 in November, and there's a lot to look forward to! Here's a quick breakdown:

🔹 401(k), 403(b), 457 Plans & TSP: Contribution limit increased to $24,500 (up from $23,500 in 2025). If you're 50 or older, you can contribute up to $32,500 annually!

🔹 IRA Contributions: Limit increased to $7,500. Catch-up contributions for those 50 and older are now $1,100.

🔹 Roth IRA & Saver’s Credit: Income phase-out ranges have increased, making it easier to qualify and maximize your savings.

🔹 SIMPLE Accounts: Contribution limit up to $17,000, with higher limits for certain accounts.

🔹 Medicare Part B: Monthly premiums will rise to $202.90, impacting how much of your Social Security COLA you'll see.

Stay up-to-date with details about your retirement savings! For full details, check out Notice 2025-67 on the IRS website.

With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.



Sources:
IRS.gov, November 13, 2025
CNBC, November 17, 2025

12/09/2025

Did you know Hispanics represent 51% of population growth in the US? Yet Hispanic family wealth and retirement confidence is not growing at the same pace. Check out these 5 tips for boosting retirement confidence among Hispanic households.

Historical discrimination against minority-owned businesses created financial hurdles. Learn about sustainable solutions to overcome them.

10/15/2025

💡 Did you know? Working with a financial professional can help ease retirement stress. One third of retirees with low emotional health regret not seeking professional advice. Don’t go it alone — get the guidance you need for a confident retirement!

Discover more takeaways from the Retirement Redefined report here.

https://www.guardianlife.com/reports/retirement-redefined

08/14/2025

Pencils ✏️ Notebooks 📓 Backpacks 🎒 But what about your child's financial education?

A 2013 Cambridge University study found money habits formed by age seven! Add money smarts to your checklist this back-to-school season with these age-appropriate financial lessons. Turn everyday activities into learning experiences that will set them up for success. Which of these steps have you already taken with your kids?


armandogaldos.onepacificfinancial.com