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Monday 8am - 5:30pm Tuesday 8am - 5:30pm Wednesday 8am - 5:30pm Thursday 8am - 5:30pm Friday 8am - 5:30pm

https://adamcolemanmortgage.com/

Adam Coleman - Money & Mortgages, 800 Westmere Avenue Suite 300, Charlotte, NC (2026)

03/05/2026

Nectarine: Two Year Update 📈

So far, I’ve had the opportunity to help:
• 600+ different individuals and couples
• 855 hourly planning sessions
• 75 comprehensive financial plans created
• And now, an expanding group in the new ongoing planning model

On top of that I've had the privilege of mentoring all new advisors to the platform as the Head of Advisor Experience.

What’s been most rewarding isn’t the numbers, it’s seeing how many DIY-minded investors simply want clarity, structure, and a second set of eyes on big decisions without the typical high prices and sales pitches you commonly find in the financial industry.

Check out HelloNectarine.com for more info

The endorsements displayed [above/below] have been provided by clients who have completed an engagement with me through Nectarine. No compensation was paid for any endorsement and the endorsements may not necessarily be representative of all Nectarine experiences. Please refer to hellonectarine.com for all relevant disclosures.

12/17/2025

Say hello to "The Ongoing": your new go-to financial advisor, support system, and accountability partner all in one!
Get continuous support from an advisor who knows all about you, including:
• Quarterly check-in meetings
• Unlimited email support
• A personalized 2-page annual financial checkup

I can guide you through goals such as:
• Increasing your net worth
• Achieving early retirement
• Handling Roth conversions
• Planning how to take money out in retirement, and more...

Visit hellonectarine.com to learn more.

11/20/2025

🚨 2026 Retirement Contribution Limits Are Out! 🚨

The IRS just announced the new 401(k) and IRA limits for 2026 - and savers get a nice bump across the board.

Here’s the quick breakdown:

💼 401(k) limits
• Under 50: $24,500 (+$1,000)
• Age 50+: $32,500 (+$1,500)
• Age 60-63: $35,750 ("super catch-up")

🧾 IRA limits
• Under 50: $7,500 (+$500)
• Age 50+: $8,600 (+$600) - graphic is actually $100 short of the actual limit

These increases give you even more room to boost tax-advantaged savings, catch up if you’re behind, and stay on track for retirement.

If you’re not maxing out already, now’s the perfect time to plan ahead for 2026. Future you will thank you. 💙📈

⚠️One thing to note on catch-up contributions starting in 2026: 50+ yr old high earners ($150k+) are required to make catch-up contributions into a Roth 401(k). If the company doesn't offer the Roth, you won't be able to do the catch-up contributions now.

Credit: Personal Finance Club

If you don't already, definitely give them a follow for some great financial infographics

Disclaimer: The information provided is for general informational purposes only and should not be construed as financial, legal, or tax advice. Always consult with a qualified professional before making any financial, legal, or tax-related decisions.

11/11/2025

🚩This is getting a lot of buzz so I thought I would give my 2 cents worth.🚩

This is being sold as a way of helping the home affordability in this country, so let's look at specifics:

For a $500,000 mortgage, here is the comparison between a 30yr and 50yr mortgage:
🔹50yr P&I payment at 6.75%: $2,913 ($165 payment savings)
🔹30yr P&I payment at 6.25%: $3,078
*The rate is assumed higher because in almost all cases, the longer your mortgage term, the higher your rate is.

Now come the really scary numbers:
🔹Total Interest paid on the 50yr mortgage: $1,247,877
🔹Total interest paid on the 30yr mortgage: $608,291 ($640k less!)

The common response: "But no one keeps the same house or same mortgage for all 30 years anyway, so who cares?"

Loan balance after a more realistic 10 years of home ownership:
🔹50yr mortgage: $482,820
🔹30yr mortgage: $421,188 ($61k more in equity after only 10 years!)

That home owner who used the 50yr mortgage saved $165 a month for those 10 years of home ownership, but now still owe $61,000 more when they go to sell that home and try to upgrade to their next house. That $165 monthly savings only adds up to about $20,000, so that person is still about $40,000 worse off than if they did the 30yr mortgage. So while it might have made their first house slightly cheaper, it will make every future house more expensive because of the lack of equity they built up. You're essentially taking from your future self to get 5% more house today.

There are so many more issues with this, but ultimately it doesn't solve the problem of home affordability. It will more likely be used by salespeople to convince home buyers that they can afford more house than they should to increase those salespeople's commissions.

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10/08/2025

📈 Building a Stock Portfolio Doesn’t Have to Be Complicated

ETFs offer flexible, low-cost ways to invest. A few common approaches include:

1️⃣ The Ultimate Simple Portfolio - One fund for global exposure (VT).
2️⃣ The Classic Two-Fund Portfolio - U.S. (VTI) + International (VXUS).
3️⃣ Factor Tilting - Add small-cap value (VBR) for diversification.
4️⃣ Advanced - Break things up into various asset classes, possibly going beyond stocks into some alternative investments

💡 Start simple, stay consistent, and remember: you don’t need 20+ funds to build wealth.

🔗 Learn more: hellonectarine.com/a/investing/the-complete-etf-guide

⚠️ This is focusing mainly on stocks/equities. Don't forget to consider adding bonds or other fixed-income assets depending on your risk tolerance, age, and other considerations.

⚠️ Disclaimer: This content is for educational purposes only and is not personalized investment advice. Investing involves risk, including the potential loss of principal. Always consult with a qualified financial professional before making investment decisions.

10/04/2025

I’m really excited to share this! 🎉 Nectarine is coming up on 2 years, and each year we’ve added something new to better serve people:

1️⃣ "The Hour" - A one-time hourly session where you can get clear answers to financial questions without worrying about sales pitches or someone taking over your investments for a big fee.

2️⃣ "The Plan" - An 8-week process with 3-4 Zoom meetings and unlimited email support over those 2 months. We dig into your entire financial picture: cash flow, investments, retirement, insurance, tax planning, and more.

3️⃣ Now… "The Ongoing" - We realized “The Hour” and “The Plan” are great, but the real challenge is follow-through. A plan only works if you can implement it - and that’s where ongoing support comes in.

The biggest value of this new model? Email access to an advisor. No more waiting weeks or months for a Zoom slot - you’ll get timely, practical help when you need it, right in your inbox, along with quarterly zoom meetings to discuss new topics.

I can’t wait to roll this out and help more people stay on track with their goals.

🔗 hellonectarine.com and Nectarine Financial

10/01/2025

💡 Thinking about combining finances as a couple? There’s no one-size-fits-all approach — here are three common ways couples manage money together:

1️⃣ Proportional Split – Each partner contributes to shared expenses based on income % (e.g., 60/40). This can sometimes feels fair with income differences but requires more tracking. It can feel very separated with very little shared savings.

2️⃣ Joint First – All income goes into a joint account. Each partner gets an equal amount of discretionary spending money. Great for teamwork with some autonomy.

3️⃣ Fully Merged – All income is pooled in one account. Every dollar is shared for spending, saving, and investing. Ideal if you’re fully aligned on values and long-term goals, but requires a lot of trust.

👉 The best method? The one that fits your relationship, goals, and comfort with transparency.

💬 Which of these approaches feels most natural to you and your partner?

09/18/2025

At Nectarine, I have 2 simple engagement options. Most people opt for a simple $300 per hourly session which also comes with a detailed summary email with key take aways and actionable next steps to stay on top of your finances. For people who want to go deeper they often schedule multiple hourly sessions, or they opt for "The Plan" which is an 8-week engagement with 3-4 different meetings, hours of review and work behind the scenes, and a comprehensive 20+ page financial plan along with a customized plan using financial planning software that clients get to keep ongoing access to.

Check out HelloNectarine.com for more info

The endorsements displayed [above/below] have been provided by clients who have completed an engagement with me through Nectarine. No compensation was paid for any endorsement and the endorsements may not necessarily be representative of all Nectarine experiences. Please refer to hellonectarine.com for all relevant disclosures.

09/13/2025

🍂🏡 September is the perfect month to get your home ready for the cooler months ahead!
Here’s a quick Home Maintenance Checklist to keep things in top shape:

✅ Clean windows inside & out
✅ Inspect fences for repairs
✅ Trim trees & shrubs before winter storms
✅ Inspect your roof for damage
✅ Plant spring bulbs
✅ Power wash the exterior

Taking care of these now means fewer headaches later, and a cozy, worry-free fall season. 🍁✨

👉 What’s the first thing on your checklist this month?

09/11/2025

At Nectarine, I have 2 simple engagement options. Most people opt for a simple $300 per hourly session which also comes with a detailed summary email with key take aways and actionable next steps to stay on top of your finances. For people who want to go deeper they often schedule multiple hourly sessions, or they opt for "The Plan" which is an 8-week engagement with 3-4 different meetings, hours of review and work behind the scenes, and a comprehensive 20+ page financial plan along with a customized plan using financial planning software that clients get to keep ongoing access to.

Check out HelloNectarine.com for more info

The endorsements displayed [above/below] have been provided by clients who have completed an engagement with me through Nectarine. No compensation was paid for any endorsement and the endorsements may not necessarily be representative of all Nectarine experiences. Please refer to hellonectarine.com for all relevant disclosures.

09/10/2025

💰📅 September is the perfect time to check in on your financial goals. As the year winds down, take a moment to review where you stand and make adjustments:

✅ Short-term goals (0 to 2 years): Pay off debt, build an emergency fund, save for a vacation or down payment
✅ Intermediate-term goals (2 to 5 years): Replace a vehicle, fund a home renovation, save for college, plan for career growth
✅ Long-term goals (5+ years): Save for retirement, pay off mortgage, work toward financial independence, legacy planning

Small steps now can create big results later. 🌟

👉 Which financial goal are you focusing on this month?

09/09/2025

📉 Mortgage rates are back near 1-year lows — some of the lowest levels since April 2024.

With the Fed expected to cut rates soon, remember: Fed rate adjustments don't cause mortgage rates to move in the same direction. In fact, the Fed rate cut from a year ago was followed by a sharp increase in mortgage rates.

If you bought or refinanced in the last couple of years at higher levels, it may be worth exploring a refinance today. Even a small reduction in rate could mean thousands saved over time.

👉 Know someone who might benefit? Share this with them.

Source: mortgagenewsdaily.com

Adam Coleman - Money & Mortgages

03/05/2026

12/17/2025

11/20/2025

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10/08/2025

10/04/2025

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Monday	8am - 5:30pm
Tuesday	8am - 5:30pm
Wednesday	8am - 5:30pm
Thursday	8am - 5:30pm
Friday	8am - 5:30pm