Harmony Financial Advisory Group

Harmony Financial Advisory Group Harmony Financial Advisory Group, A private wealth advisory practice of Ameriprise Financial Services, LLC

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Certainty says, “I know what will happen.”Confidence says, “Whatever happens, I can respond thoughtfully.”
09/02/2026

Certainty says, “I know what will happen.”

Confidence says, “Whatever happens, I can respond thoughtfully.”

Maxing out a workplace retirement plan is not as automatic as it used to be.If you’re 50+ and earned more than $150,000 ...
08/31/2026

Maxing out a workplace retirement plan is not as automatic as it used to be.

If you’re 50+ and earned more than $150,000 in 2025 from the employer sponsoring your plan, your 2026 age-based catch-up contributions to a 401(k), 403(b) or governmental 457(b) generally must be made on a Roth basis.

That shift can affect take-home pay, withholding and the balance between pretax and tax-free assets you’re building for retirement. It also means the contribution strategy that worked last year may deserve another look this year.

If you’re trying to maximize retirement savings, now is a good time to confirm how your plan is handling the new rule and whether the rest of your tax strategy still fits around it.

https://buff.ly/pzEv5Ay

Open enrollment deserves more than a quick click-through.The choices you make can affect your cash flow, taxes, retireme...
08/28/2026

Open enrollment deserves more than a quick click-through.

The choices you make can affect your cash flow, taxes, retirement savings and how well your family is protected.

Rather than carrying forward the same elections by default, use this opportunity to make sure your benefits still align with your life, priorities and broader financial plan.

A thoughtful review now can help you make more confident decisions when enrollment begins.

https://buff.ly/SB56dJ3

Money isn’t happiness, but the freedom to pursue what brings you joy can be priceless.
08/26/2026

Money isn’t happiness, but the freedom to pursue what brings you joy can be priceless.

Waiting until December to think about taxes can leave you with fewer choices.The IRS encourages a midyear withholding ch...
08/24/2026

Waiting until December to think about taxes can leave you with fewer choices.

The IRS encourages a midyear withholding check, especially after meaningful changes to your income, family or finances.

Now is the time to review whether:

• Withholding and estimated payments are on track
• Investment gains or losses create planning opportunities
• A Roth conversion may make sense
• Retirement contributions should be adjusted
• Charitable giving can be planned more intentionally
• A bonus, job change, home purchase or other life event has changed your tax picture

Together, we can coordinate your financial and tax strategies before the year-end rush.

https://buff.ly/ZCaa4Zn

Summer has a way of bringing us back to the reason behind the plan.More time together, slower moments and family traditi...
08/21/2026

Summer has a way of bringing us back to the reason behind the plan.

More time together, slower moments and family traditions remind us that wealth is not only about what we build. It is about making sure the people we love are cared for, even when we are no longer able to guide them ourselves.

A thoughtful estate plan can help make your wishes clear by coordinating wills, trusts, beneficiaries, powers of attorney, health care directives and access to important information.

Let this season be a reminder to make sure your plan reflects your why.

https://buff.ly/NdDUf4y

The best legacy plans pass down more than wealth.
08/19/2026

The best legacy plans pass down more than wealth.

Strong markets can hide weak spots in a financial plan.If volatility increases in the months ahead, the real question is...
08/17/2026

Strong markets can hide weak spots in a financial plan.

If volatility increases in the months ahead, the real question is not whether markets decline. It is whether that decline would force you to change your spending, investment strategy or long term goals at the worst possible time.

A resilient plan considers diversification, cash reserves, income needs and time horizon before conditions become uncomfortable.

Now may be a good time to stress test yours.

https://buff.ly/HRrqsq9

Most people review their investments more often than the insurance protecting everything around them.As wealth, property...
08/14/2026

Most people review their investments more often than the insurance protecting everything around them.

As wealth, property, family responsibilities and career circumstances evolve, gaps can quietly emerge across life, disability, long-term care, homeowners, auto, flood and umbrella coverage. Employer-provided protection may also disappear after a job change.

Protecting what you care about most begins with reviewing the full picture.

https://buff.ly/T6XF9TT

You don’t have to agree on every dollar, but you do need to agree on where you’re headed.
08/12/2026

You don’t have to agree on every dollar, but you do need to agree on where you’re headed.

Address

Richardson, TX

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 3pm

Telephone

+19722657000

Website

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