DWR Financial Services/Turney Tax

10/13/2026

Medicare doesn’t have to be confusing!

Turning 65, preparing for retirement, or wondering whether your current coverage is right for you? Marlo Glavan is here to help.

Get personalized guidance to understand your options and find a plan that fits your needs.

✓ One-on-one guidance
✓ Help understanding your coverage options
✓ No-cost, no-obligation consultation

📞Call Marlo today!

Independence: (216) 663-1040
Olmsted Falls: (440) 235-8299
Medicare • Health • Supplemental Insurance

09/25/2026

Food for thought.

09/24/2026

Social Security is a decision, not just a birthday.

You may be eligible to begin receiving retirement benefits at 62, but that doesn't automatically mean it's the right time to claim.

Before deciding, consider your income needs, health, life expectancy, employment plans, spouse's benefits, taxes, and other retirement assets.

The right claiming age is personal. It should support your broader retirement plan, not simply follow the calendar.

09/23/2026

When you're running a small business, it's easy to focus on serving clients, managing expenses, and growing revenue. But what about planning for your own future?

The good news is that small business owners have several retirement savings options designed specifically for self-employed individuals and small teams.

As you explore your options, consider:

✅ Setting aside savings on a consistent basis
✅ Taking advantage of potential tax benefits
✅ Choosing a plan that fits your business size and goals
✅ Building a strategy that can grow alongside your business

Whether you're a solo entrepreneur, independent contractor, or small business owner, starting a retirement savings plan today may help create more opportunities for tomorrow.

You've worked hard to build your business. Make sure you're investing in yourself, too.

09/22/2026

Fall is here, and year-end will be here before we know it.

Have you checked in on your tax picture lately?

This can be a good time to review your withholding, estimated tax payments, charitable giving, capital gains or losses, and retirement contributions with your tax professional.

A September review can help you spot anything that may need attention while there’s still time to plan.

09/21/2026

Many parents want to do everything they can to help their children pay for college. While supporting your child's education is a meaningful goal, it's important not to lose sight of your own retirement plans.

Remember: there are many ways to fund an education, including scholarships, grants, work-study programs, and student loans. There are far fewer options available to fund retirement.

As you plan for both goals, consider:
✅ Prioritizing contributions to retirement accounts
✅ Creating a realistic college savings strategy
✅ Exploring 529 plans and other education savings options
✅ Reviewing your overall financial goals regularly
✅ Striking a balance between supporting your children and protecting your future

Helping your children succeed is important, but so is ensuring your long-term financial security. A well-balanced plan can help you work toward both goals with confidence.

09/18/2026

Something to keep in mind.

09/17/2026

Most business owners have a plan for growth. Fewer have a plan for the unexpected.

If you were suddenly unable to run your business, would someone know what to do? Who has access to accounts, key documents, or client relationships?

A continuity plan outlines who steps in, how operations continue, and how your family is protected financially.

A little preparation now can spare your family a lot of uncertainty later.

Follow for more.

09/16/2026

As markets shift, diversifying portfolios beyond past winners is crucial. Explore insights from top investors on managing risks.

Investors see different risks threatening markets, but broadly agree that traders should diversify beyond recent winners.