Momentum Wealth Management

Momentum Wealth Management Retirement planning doesn't have to feel overwhelming. Come see if we're your people.

We help people make confident decisions about their money — with real relationships, plain-English advice, and someone actually in your corner when it matters. You'll make thousands of financial decisions over your lifetime; we want to be there for all of them.

Microsoft just had its best single day ever. Amazon reported its first $200 billion quarter. The AI earnings debate is g...
08/07/2026

Microsoft just had its best single day ever. Amazon reported its first $200 billion quarter. The AI earnings debate is getting answered — and the results are diverging in ways that matter for investors.

This week's Planning Room covers something most people haven't heard about yet: tokenized deposits. Every major U.S. bank is quietly building the infrastructure to make money programmable — and JPMorgan, Citi, and Wells Fargo are already further along than most people realize. We explain what it is, why it matters, and what the investment implications look like.

New episode of Good Returns is live. Link in comments. 👇

07/31/2026

Retiring early is one of the most common goals we hear. It's also one of the most under-planned ones.

The financial picture at 60 looks fundamentally different from 67 in ways that aren't obvious until you map them out carefully. And the decisions that make or break an early retirement are almost always made — or not made — in the years before it happens, not after.

Healthcare is the first and usually largest gap. Medicare doesn't start until 65. Five years of individual market coverage in your early 60s, without employer subsidies, can cost significantly more than most people expect when they're running the numbers at 55. That cost has to be built into the income plan explicitly — not estimated loosely.

The Social Security decision becomes more consequential. Claiming at 62 permanently reduces the monthly benefit. Waiting until full retirement age or 70 is almost always the better financial move over a full retirement — but it means the portfolio has to carry more weight for more years before that income starts. The math changes significantly depending on the sequence.

And account access rules create their own planning puzzle. Standard withdrawals from retirement accounts before 59½ trigger penalties. There are strategies around this — but they require knowing about them in advance, not discovering them after the fact.

None of this makes early retirement impossible. It makes it a specific planning problem that requires specific answers — and the best time to find those answers is well before the retirement date, when the options are still open.

07/30/2026

Feeling uneasy about your investments? Smart moves now can set you up for the next wave of growth.

07/30/2026

Feeling uncertain about where your money is going? Even giants like Alphabet are spending big on AI, showing how fast things change.

07/29/2026

Most people think about inflation as a current problem — prices are higher this year than last year, and that's uncomfortable. What's easy to miss is what inflation does over time, quietly, to the purchasing power of savings that feel perfectly safe sitting in an account.

At 3% annual inflation — which is roughly where we've been for much of modern history — the purchasing power of a dollar is cut in half in about 24 years. At 4%, that happens in 18 years. Not because the account balance went down. Because everything else got more expensive faster than the money grew.

For someone retiring at 65 who expects to live into their late 80s, that's 20 to 25 years of inflation working against a fixed pool of savings. The question isn't just "do I have enough to retire?" It's "do I have enough to retire, adjusted for what that money will actually buy in twenty years?"

Most retirement projections answer the first question. The second one requires someone to think carefully about how the savings are invested, how withdrawals are structured, and whether the plan accounts for inflation as a real risk rather than a background assumption.

The people who feel genuinely secure in retirement are almost always the ones whose plan was built around what the money needs to do — not just what it currently says.

07/28/2026

The thing nobody told you about life insurance is that most people have exactly the wrong amount of it.

Not a little wrong. Significantly wrong — in both directions.

Some people are underinsured in ways they've never quantified. The life insurance through work sounds substantial — two times salary, maybe three — but two times salary disappears quickly against a mortgage, college tuition, and decades of lost income. It also doesn't follow you if you leave the job. And it doesn't account for what actually happens to the surviving spouse's financial life, which is almost always more complicated and more expensive than the round number suggests.

Others are overinsured — paying premiums for coverage that made sense at one stage of life and doesn't fit anymore. The whole life policy sold when the kids were young and the mortgage was new, now sitting there as an expensive and inflexible product that serves the policy more than the person holding it.

The honest conversation about life insurance isn't about a number. It's about what the insurance is actually supposed to do. Replace lost income? Cover a mortgage? Fund college? Give a surviving spouse time to make decisions without financial pressure? The answer to that question determines what kind of coverage you need and how much — and most people have never had that conversation in those terms.

07/27/2026

Most people are contributing to a 401(k), maybe an IRA, maybe a savings account. The contributions happened at different times, in response to different moments — an employer match here, a tax deadline there. Nobody ever sat down and said: here's the sequence that actually makes sense for your situation.

The order matters because different accounts have different tax treatment. And tax treatment, compounded over thirty years, creates meaningfully different outcomes from the same dollar saved. A dollar in a Roth IRA and a dollar in a traditional 401(k) look identical today. Over thirty years, when one comes out tax-free and the other doesn't, they're not even close.

The general framework most people benefit from: capture the full employer match first — that's an immediate return nothing else competes with. Then evaluate the Roth IRA. Then the HSA if you have a high-deductible health plan — one of the most underused tax advantages available. Then max the 401(k) if there's room.

The specific order depends on income, bracket, employer plan, and what retirement actually looks like for that person. Most people have never had that conversation. They're following a default that was set once and never revisited — and the cost of that shows up decades later, quietly, in taxes paid that didn't need to be paid.

This week: oil above $90, a second front opening in the Red Sea, and Alphabet posting its first-ever negative free cash ...
07/24/2026

This week: oil above $90, a second front opening in the Red Sea, and Alphabet posting its first-ever negative free cash flow quarter — despite beating earnings estimates.

Next week: the Fed decision, Microsoft, Meta, Q2 GDP, the Fed's preferred inflation reading, Apple, and Amazon. Five major events in 48 hours.

This episode sets up everything you need to know heading into one of the most consequential weeks of the summer.

New episode of Good Returns is live. Link in comments. 👇

07/24/2026

Most people don't ask out loud whether having a financial advisor is actually worth it. It feels like the kind of question that's impolite to raise with the advisor, and too complicated to answer without one.

It's worth asking honestly — because the research on this is more specific than most people expect.

Morningstar's Mind the Gap study found that DIY investors underperform their own funds by approximately 1.7% per year — not because they pick bad investments, but because of the timing decisions they make around those investments. Buying high, selling low, reacting to headlines, going to cash at the wrong moment. Behavior is the cost.

Vanguard's Advisor's Alpha research estimates that advisors add approximately 3% in net annual returns — primarily through behavioral coaching, tax efficiency, and withdrawal strategy, not through investment selection. The value isn't in knowing which fund is best. It's in the decisions that get made well — and the ones that don't get made at all.

The Roth conversion window executed at the right time. The Social Security claiming decision that added six figures over a retirement. The portfolio that didn't get liquidated in March 2020 when everything felt like it was falling apart.

The question isn't whether the fee is worth it in isolation. It's whether the total outcome — better decisions, lower taxes, fewer expensive mistakes, compounded over decades — exceeds the cost. For most people who run that comparison honestly, it does. But it requires someone to actually look at the full picture.

07/22/2026

There's a gap in most retirement plans that nobody talks about until it becomes urgent — and by then, most of the options for addressing it have already closed.

Extended care. A nursing facility for a year or two. Memory care. In-home assistance that runs not for weeks but for years. The kind of care that regular health insurance doesn't cover and Medicare handles only for a very limited window following a qualifying hospital stay.

The average cost of a private nursing room now exceeds $100,000 a year. A two or three year stay — not unusual — can quietly consume savings that took decades to build. Not because of bad decisions or bad luck, but because nobody helped the family see it coming.

The people who navigate this well are the ones who looked at it clearly before it was urgent. Long-term care insurance, hybrid life and care policies, a dedicated portfolio allocation set aside specifically for this purpose — there are real options. But most of them require time and good health to put in place. By the time the need becomes obvious, coverage is often no longer available or has become prohibitively expensive.

This is one of the most consistently underplanned risks in retirement. The families who come through it well are the ones who had the conversation before they needed to.

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