Embrace Wealth Management

Embrace Wealth Management We partner with Women in STEM and Retirees who are ready to take control of their financial future. Based in Chico, CA, we serve clients nationwide. Kim N.

Whether planning for retirement or preparing for a stock option windfall, let us handle the complexities so you can focus on what matters most. Embrace Wealth Management empowers Women in Tech and Retirees to grow and protect their wealth while minimizing lifetime taxes. Our services include financial planning, retirement strategies, tax advice, estate planning, investments, and insurance. Huber,

CFP®, is a Registered Representative with securities offered through LPL Financial. Member FINRA/SIPC, www.finra.org www.sipc.org. Investment advice is offered through WCG Wealth Advisors, a Registered Investment Advisor. WCG Wealth Advisors, LLC, and Embrace Wealth Management, LLC are separate entities from LPL Financial. Third-party posts found on this profile do not reflect LPL Financial's views and have not been reviewed by LPL Financial for accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states where they are properly registered or licensed. You can't make or accept any offers from any other state resident.

20+ years of trust and counting. ⏳David & Brenda have been with Embrace Wealth Management since 2003, relying on consist...
05/28/2026

20+ years of trust and counting. ⏳

David & Brenda have been with Embrace Wealth Management since 2003, relying on consistent, timely guidance and well-informed advice to help keep their portfolio aligned with their long-term goals 📊. Through changing markets 🌍, they’ve stayed on track with a plan built around what matters most to them 🎯.

Curious what that kind of steady partnership could look like for you? Let’s start the conversation 💬 Book free intro call https://go.oncehub.com/intro-phone-call

Are we doing the right things with our money, or just… doing things? 🤔A couple in their 40s, high income, college on tra...
05/28/2026

Are we doing the right things with our money, or just… doing things? 🤔

A couple in their 40s, high income, college on track, multiple accounts, equity comp, and an expensive home came in feeling “organized but uncertain.” They were making lots of good individual decisions, but nothing felt connected.

Their questions sounded familiar:

# Where is our money really going each month? 💸

# Should extra cash go to debt, an ADU, a rental, or investments? 🏡📈

# Are our Roth moves and stock options tax-efficient over our lifetime, not just this year? 🧾

# If health or career changed, could we pivot quickly without blowing up our plan? ⚖️

We hit pause on one‑off choices and built an integrated framework instead:

# Clarified their full balance sheet and true lifestyle spending 🧮

# Modeled “what if” paths for housing, debt, and work changes 🔄

# Coordinated taxes, accounts, and equity comp across decades, not just this year 🧩

# Tightened up estate docs, insurance, and a simple playbook for the surviving spouse 📁

The biggest shift was not a product; it was moving from isolated decisions to decisions in sequence, all through one plan. Suddenly, “ADU vs duplex vs invest more” was not overwhelming; it was a set of options with clear tradeoffs.

If you have high income, scattered accounts, and big decisions ahead, it might be time to zoom out and build an integrated framework, not just add another account.

How do you make your big money decisions today: gut feel, rules of thumb, or a written plan you revisit regularly? 💬
Drop a 💡 if this resonates.

One wrong money move in retirement could cost you thousands. Are you confident in your plan? 💡I help solve complex money...
05/27/2026

One wrong money move in retirement could cost you thousands. Are you confident in your plan? 💡

I help solve complex money decisions for women in STEM and retirees through personalized retirement, tax, and wealth strategies designed for clarity and confidence. ✨

Here's the problem: 🚨 You've worked hard to build your savings, but turning them into reliable retirement income while minimizing taxes isn't simple—especially when you're managing stock options, pensions, and changing tax brackets.

Here's the solution: ✅ A coordinated plan that aligns your investments, withdrawal timing, and tax strategy so you keep more of what you've earned and avoid costly surprises.

If this sounds like you, here's what to do next: schedule a free intro call and let's map out your next steps together. 📞 https://go.oncehub.com/intro-phone-call

💸 Money isn’t just math—it’s life decisions. 💬Navigating money decisions is about more than numbers on a page. It’s abou...
05/26/2026

💸 Money isn’t just math—it’s life decisions. 💬
Navigating money decisions is about more than numbers on a page. It’s about having a team that really listens, explains the “why” behind the plan, and gives you space to ask every question along the way. 🤝✨

Nick and Gabby recently described our team as knowledgeable, kind, and patient—and that means a lot. Their words reflect exactly what we strive for at Embrace Wealth Management: compassionate advice backed by deep expertise, so you feel informed and supported, not rushed or judged.

If you’re looking for a calm, judgment‑free space to talk through your finances and next steps, schedule your free intro call: https://go.oncehub.com/intro-phone-call

“Wait… why would Medicare cost me about $400+/month?” 🤯This came up for a household where one spouse just retired while ...
05/21/2026

“Wait… why would Medicare cost me about $400+/month?” 🤯

This came up for a household where one spouse just retired while the other still had solid employer coverage.

The Scenario
One spouse retired with a pension, and the other spouse kept working with a group health plan that could cover both.

Between the pension, IRA distributions, and the working spouse’s income, they landed in the higher Medicare Part B premium ranges.
Medicare Part A was still $0, but Part B is where income really starts to bite. ⚠️

The Challenge
Medicare Part B premiums are based on your income from two years ago.

# Part B base premium sits in the low $200s per month per person 💸

# As income climbs, IRMAA surcharges stack on, pushing premiums into the mid‑$200s, $300s, and even $400+ per month per person

# Part D adds its own IRMAA surcharge on top of any drug plan premium 💊

For this couple, enrolling in Part B now would likely mean something like low‑$200s at the base level, turning into $400‑plus per month, per person, once income-based surcharges are added.

The Solution
We treated health coverage as part of their tax and income plan, not just a “you turn 65, you enroll” checkbox. ✅

# Delayed Part B and Part D 🚫 because the retiring spouse was covered under an active employer plan, so no late penalty

# Used employer coverage 🏥 after comparing the cost versus Part B + Part D + income-based surcharges

# Timed the transition ⏱️ by lining up retirement dates, employer coverage end dates, and the future Medicare enrollment window

# Coordinated with tax planning 💼 so their income plan matched the Medicare premium ranges they were likely to fall into

The Outcome
They kept strong coverage and avoided roughly $400+/month in Medicare-related premiums they didn’t need to pay yet. 💵

The Lesson
Medicare Part A may be $0, but Parts B and D act like income-based “stealth taxes,” especially when you combine pensions, IRA withdrawals, and wages. When one spouse still has employer coverage, coordinating Medicare timing with your income plan can keep more of your retirement paycheck working for you. 💡

Drop a 💡 if this resonates or share it with someone staring at a confusing Medicare letter.

From intern to apprentice to full-time team member, Ariella “Ari” has given Embrace Wealth Management so much to celebra...
05/20/2026

From intern to apprentice to full-time team member, Ariella “Ari” has given Embrace Wealth Management so much to celebrate. 🎓✨

Embrace Wealth Management is excited to recognize Ari on an incredible milestone: graduating cm laude with a double major in Accounting and Finance!

Over the past two years, Ari has been an instrumental member of the Embrace team through its Certified Financial Planner apprenticeship program. During that time, she has grown tremendously, contributed in meaningful ways, asked thoughtful questions, cared deeply about the details, and shown a level of dedication that has made a real impression on the team and the clients Embrace serves.

We are especially thrilled that Ari will continue her journey with Embrace Wealth Management in a full-time role. 🌟

Ari, congratulations on this well-earned achievement! Your hard work, professionalism, and heart for helping others have been wonderful to watch. We’re so proud of you and excited for what’s ahead.

Please join Embrace Wealth Management in congratulating Ari on this wonderful achievement and cheering her on as she continues to grow in her career. 🎓👏

💚 When the Camp Fire turned life upside down, the money questions piled up, too.The Camp Fire was a catastrophic wildfir...
05/19/2026

💚 When the Camp Fire turned life upside down, the money questions piled up, too.

The Camp Fire was a catastrophic wildfire in Butte County, California, that ignited on November 8, 2018, and became one of the deadliest and most destructive wildfires in our state’s history. In the middle of all that loss and uncertainty, families like David and Andrea weren’t just rebuilding homes and routines—they were also rebuilding their financial lives.

In our work together, we slowed everything down, listened to their story, and walked through decisions about where to live, what to rebuild, and how to update their financial and estate‑planning documents so they felt truly seen, heard, and supported at every step. For us at Embrace Wealth Management, helping families rebuild with clarity and care after a crisis is some of the most meaningful work we do.

🌱Schedule free intro call: https://go.oncehub.com/intro-phone-call

“Should my IRA go to family…or charity?” 🤔This came up in a recent client review—and it’s one of those small decisions t...
05/14/2026

“Should my IRA go to family…or charity?” 🤔

This came up in a recent client review—and it’s one of those small decisions that can quietly create (or eliminate) a big tax bill.

The setup. Retired public servant with:

# Traditional IRA 💼

# Taxable trust account 📊

# Financially secure grandkids 👨‍👩‍👧‍👦

# A church he loves ⛪ (and supports with Qualified Charitable Distributions)

He wants to keep giving—and make sure his legacy is thoughtful, not just generous.

The tension. Here’s where it gets tricky:

# IRA dollars → fully taxable to heirs ⚠️

# Taxable accounts → step-up in basis (often low/no tax) ✅

# Charities → pay no income tax 🙌

So the common default:
➡️ IRA to family
➡️ Taxable assets to charity

…can actually increase taxes and reduce overall impact.

The shift 💡We reframed the strategy:

Match the most taxed assets to the least taxed recipients.

# IRA → Charity (0% tax) ✅

# Taxable assets → Family (step-up benefit) ✅

# QCDs → Continue giving tax-efficiently during life 💸

Same wealth. Less tax drag. More impact where it matters.

The outcome. He’s now considering:

# Naming the church as an IRA beneficiary ⛪

# Leaving the trust assets to his grandkids 📊

📌 Lesson: Smart legacy planning isn’t just about who gets what—it’s about which dollars go where.

Have you reviewed beneficiary designations recently—or are they still on autopilot?

Drop a 💡 if this sparked a new perspective, or share with someone who’s charitably inclined but hasn’t revisited their plan in years.

🎯 Getting from “working years” to confident retirement shouldn’t feel confusing. 💚Willie and Delynn have walked with us ...
05/12/2026

🎯 Getting from “working years” to confident retirement shouldn’t feel confusing. 💚

Willie and Delynn have walked with us for many seasons—from busy careers to the transition into retirement. Over the years, we’ve focused on personalized advice, clear communication, and steady support so they could make decisions with confidence instead of worry.

At Embrace Wealth Management, that’s our favorite part of this work: being the trusted partner you can count on before and after your retirement date, not just when the markets are calm. If you’re approaching retirement and want someone in your corner for the next chapter, I’d be happy to connect for a short, no‑pressure convo. 🌱 Schedule free intro call: https://go.oncehub.com/intro-phone-call

💬 "Once I sign my trust, I'm going to die."That's what a 70‑year‑old client told me as we started her estate‑planning me...
05/08/2026

💬 "Once I sign my trust, I'm going to die."

That's what a 70‑year‑old client told me as we started her estate‑planning meeting.

Under the humor was something very real:

👉 A lifetime of avoiding estate documents
👉 Fresh grief from settling her dad's complicated trust
👉 Anxiety about burdening her sisters with the same thing

Yet she was deeply motivated to "not waste my hard‑earned money" on probate and to make things easier for the people she loves. ❤️

Together we:

✅ Clarified her charitable giving via QCDs (Qualified Charitable Distributions) from her inherited IRA
✅ Designed a plan so her sisters are paid for the hard work of serving as trustees
🐾 Protected her "fur babies" with a named pet caregiver and pet-care fund
✈️ Built a framework for a $30,000 "destination" celebration of life, so money isn't a barrier for the family to gather
📋 Outlined her new revocable living trust, powers of attorney, and healthcare directive

What made it work? 🤝

We already know her family, finances, and values—so we could turn an overwhelming legal project into a guided, human conversation.

If you've been putting off your own estate plan because it feels intimidating or morbid, you're not alone. With the right process and team, it can actually feel like an act of love and relief. 💙

What estate planning element feels most overwhelming to you right now—getting started, choosing fiduciaries, or having the family conversation? 💭

Address

527 Flume Street, Suite 6
Chico, CA
95928

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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