Seigler Financial Planning

04/22/2026

Here's a tip most students miss: when you file the FAFSA for state aid, you're automatically filing for federal aid too — so there's no reason to wait for the federal deadline.

State deadlines are often much earlier than the federal cutoff, sometimes arriving as early as February or March. Many states also set hard deadlines or use priority dates for first consideration.

Either way, students who file during the first few months tend to receive significantly more grant funding, on average, than those who file later.

The bottom line: aim for the earliest deadline on your list, whether that's your state's or your school's. That single submission covers you for all aid opportunities.

👉 Look up your state's specific FAFSA deadline at https://studentaid.gov/apply-for-aid/fafsa/fafsa-deadlines and file as early as you can. The FAFSA window for the 2027-2028 school year typically opens in October of 2026.

If you have any questions, let us know!

09/26/2025

An oldie but a good reminder in regards to teaching money skills to the next generation

We all want our kids to grow up to happy and successful. Teach them to be good with money as part of their early childhood education.

07/16/2025

The One Big Beautiful Bill Act: Key Tax Changes Starting 2025

👍EVERYONE 👍
Standard deduction increases to $15,750 for single filers, and $31,500 for those filing jointly.
State and local tax (SALT) deduction increases to $40,000 (temporary)

👥 SENIORS (65+) 👥
$6,000 bonus deduction (2025-2028)

👨‍💼 WORKERS 👨‍💼
No tax on tips (up to $25,000)
No tax on overtime (up to $12,500 single filer/$25,000 married filing jointly)

🏢 BUSINESS OWNERS 🏢
20 percent qualified business income deduction is now permanent
100 percent capital expensing restored

👨‍👩‍👧‍👦 FAMILIES 👨‍👩‍👧‍👦
Child tax credit increases to $2,200
Dependent care limits increase to $7,500

🏡 ESTATE MANAGEMENT 🏡
Exemption increases to $15 million/$30 million (starts 2026)

IMPORTANT: Some of these changes are temporary (2025-2028). Consult a tax professional for your specific situation.

08/28/2024

The latest Fed minutes suggest we might see an interest rate cut as soon as September. Here's what you need to know:

▪️ Most Fed officials believe easing policy could be appropriate if data continues as expected
▪️ Markets are fully pricing in a September cut
▪️ Inflation is moving towards the 2% target, but labor market risks have increased

We are positioning portfolios with expectation of future rate cuts.


Source:

The Federal Reserve on Wednesday released minutes from its July 30-31 policy meeting.

12/23/2022

ROTH IRA Conversions - With timing likely making sense based on the markets being down this year, that leaves us with the question of whether or not having tax-free income in the future at the expense of current taxes is good for one’s plan

ROTH Conversions financial planning tax planning

06/18/2019

A growing number of retirees are choosing to work part-time in retirement. One obstacle is that Social Security benefits are withheld if they make too much. When they reach full retirement age, however, SS increases the benefit to make up for it. -

When you reach full retirement age, Social Security resets your benefit to make up for money previously withheld due to the earnings test.

05/29/2019

529 Plans can be a good tool for college savings. Educate yourselves on the Pros and Cons. It's important for people to compare the different savings vehicles and understand how they fit in with the rest of their financial plan

“529 Plans can be a good tool for college savings. Educate yourselves on the Pros and Cons. It's important for people to compare the different savings vehicles and understand how they fit in with the rest of their financial plan https://t.co/yEorRDdwup”

04/29/2018

An old article about my hometown Rock Hill but still holds true today! Congrats to way to represent

The small city south of Charlotte has had 11 NFL draft picks over the last 13 years.

04/29/2018

Your 401k Could Make You a Millionaire — Here's How One Man Did It | GOBankingRates

Start with regular investments and patience to grow your 401k.

04/29/2018

Top undrafted free agents following the 2018 NFL Draft - https://t.co/5otzA5t1QH https://t.co/WvNn8vOern

The official source for NFL news, video highlights, fantasy football, game-day coverage, schedules, stats, scores and more.

04/26/2018

3 York County, 2 Rock Hill!

“York County hopes to have 3 new NFL players by Sunday. Everything you need to know before the begins Thursday https://t.co/GgWT34jyDj”

04/22/2018

Stories like these are sad but hopefully a sound plan can get things going back in the right direction

“How a former NBA No. 1 draft pick went from a $61 million fortune to owing $157,000. https://t.co/oyEzIlmCUk”