RJM Advisors LLC

12/01/2025

The IRS encourages everyone to perform a “paycheck checkup” to see if you have the right amount of tax withheld for your personal situation.

One way to avoid a surprise during the next tax season is to take time now for a paycheck check-up. Making sure the right amount of taxes are being taken out of a paycheck each month in 2026 could keep you from writing a check to the IRS later.

https://www.irs.gov/payments/tax-withholding

11/24/2025

While you have until the tax filing deadline of April 15, 2026, to contribute to an IRA for the 2025 tax year, you must make your final contributions to most workplace retirement plans, such as a 401(k) or 403(b) by December 31, 2025.

You can contribute up to $23,500 in total combined traditional and Roth contributions.

If you're 50 or over, you can make additional catch-up contributions of $7,500.

If you’re between the ages of 60 and 63 and your employer’s plan allows it, you can contribute up to $11,250 in catch-up contributions in place of the standard $7,500 catch-up.

If you choose to make traditional contributions, they will reduce your taxable income dollar for dollar.

11/20/2025

The American Opportunity Tax Credit provides a dollar-for-dollar credit on a portion of qualified education expenses paid for an eligible student for the first 4 years of higher education.

The full $2,500-per-student credit requires $4,000 in qualified spending, and is available to people whose modified AGI is less than $80,000 for single filers and less than $160,000 for joint filers.

“To make the most of this break, you might want to consider prepaying the first semester of 2026 this year,” says David Peterson, Fidelity's head of wealth planning.

11/18/2025

Your year-end financial checklist.

Top 6 Tips:

11/18/2025

Trump administration signals support for tariff “dividends” but says Congress must act.

Treasury Secretary Scott Bessent reiterated that President Trump’s idea to send most Americans at least $2,000 will require legislation from Congress before any checks can go out.

In an interview, Bessent said the administration is exploring options to help with affordability and noted Trump’s earlier comments about providing a “dividend” from tariff revenue.

11/18/2025

11/17/2025

04/28/2025

**Free Retirement Planning Consultation (via Zoom)**

Retirement planning is the process of creating a strategy to ensure financial security in your later years. It involves several key components, such as:
- Setting retirement goals
- Overcoming current challenges
- Projecting retirement income
- Protecting retirement income
- Estimating expenses in retirement
- Preparing for health care expenses
-Planning for assisted care decisions

Important decisions regarding Social Security, Medicare, extended care, and estate planning must also be made. In addition, factors like risk management, market volatility, inflation, and potential changes in legislation must be considered.
Register for a free consultation below.

**Limited availability**
**Exclusively for pre-retirees and retirees aged 55 and older**
**No sales pitches**
**Limited availability**
**Exclusively for pre-retirees and retirees aged 55 and older**
**No sales pitches**

https://calendly.com/reggiemiddletonbankerslife/free-1-on-1-retirement-planning-consultation

10/11/2024

Do you know you need Medicare but aren’t sure you fully understand it? I’d love to help you navigate the upcoming Annual Enrollment Period. Check out this helpful infographic and contact me to discuss.

10/03/2024

Long-term care needs can develop gradually or suddenly, and can affect people of all ages.

Planning for long-term care is important, but many people are unsure of what is covered by insurance or Medicare.

A financial professional can help you understand your options, such as traditional or alternative long-term care insurance policies.

Contact me for additional information on long-term care insurance.