Kristine Kay Keegan

07/18/2026

Peter Lynch with this very important advice for every investor today.

05/25/2026

We honor the brave who stepped forward and never returned home. May we live in a way that is worthy of the incredible sacrifice they made.

05/25/2026

05/22/2026

Most individuals are always keen to jump into trading the news, whether it's a war, a global event, the price of oil, or the president's election. However, what they fail to recognize is that there is a 100% correlation between a company's earnings over several years and its stock price.

This is why you need a financial Advisor to avoid falling into this trap and losing out on potential gains

05/22/2026

Over the years, I have prided myself on helping my client achieve their investment goals and go ahead to enjoy a happy retirement and financial freedom.

Want to create a healthy financial future for you and your family? Schedule a free consultation with Kristine Kay Keegan today

05/21/2026

Most people treat their 401(k) like a basic retirement plan. But the wealthy? They treat it like a tax strategy.
There's a powerful little rule called Net Unrealized Appreciation (NUA) that lets you pay capital gains instead of income tax on company stock inside your 401(k).
Yes, you heard that right - it's one of the few times the IRS actually gives you a win.

05/13/2026

Every year the IRS updates the rules on how much you're allowed to contribute to your IRA and 401(k) accounts based on inflation and cost of living.

These updated contribution limits apply to other retirement plans through your employer as well. Like a 403(b), 457, TSP, etc!

The 401(k) limit has increased by $1,000 to $24,500 next year. If you're maxing out your 401(k), you might need to log in to your account and increase that by a bit if you haven't done so already, and if you want to take advantage of the tax benefit!

The contribution limit is what you put in. Any employer contribution goes on top of that and doesn't count toward the $24.5K limit!

The IRA limit will increase to $7,500 next year. If you want to max out your Roth IRA by contributing monthly, that's $625/month!

You can always contribute an UNLIMITED amount to a brokerage account. The advantages of the IRAs and 401ks are the tax breaks.

Want to learn more about how these factors affect your retirement goals and savings plans? Message me here for a free consultation

05/12/2026

How much do I need in retirement?

As a financial advisor, I occasionally have friends ask me "How much do I need to have saved for retirement?". In general, I tell them "I don't know. How much do you spend each year?".

That tends to end the conversation, as most folks seem to have almost no idea what their real spending is each year, much less what it will look like when they retire.
They might say "I know it's a lot, but we won't have a mortgage in retirement" or something like that, but be surprised that may not even be your biggest annual expense anyway healthcare can be brutal especially for early retirees with no ACA subsidy.

It is really important to know the exact amount and then realistically determine what that would look like going forward.
Many expenses just don't drop at all in retirement or go up. The "inflation bogey" is another item you will clearly start to see in those expenses, Oh, and most folks don't view "income taxes" as an expense. The good news is that they may drop a lot in retirement...the bad news is you will still have to pay some for sure!

KNOW DON'T GUESS WHAT YOUR SPEND IS!

Want to create a healthy financial future for yourself, it starts with the right planning, and sometimes getting it right requires honest conversations and proper guidance. Schedule a free consultation with Kristine Kay Keegan today.

05/07/2026

The biggest earnings night of the quarter has dropped and the message is pretty clear: Al spending is finally translating into real revenue acceleration across the board.

Quick rundown of what the four giants delivered:

Alphabet (GOOGL) - the clear winner of the night
* Revenue: $109.9B vs $107.2B expected (+22% YoY)
* Google Cloud: $20.03B vs $18.05B expected, growing 63% YoY (vs 48% last quarter, massive reacceleration)
* Search: +19%, YouTube ads: +11%
* Cloud backlog now sitting at $460B (nearly doubled QOQ)
* 2026 capex guidance raised to $180-190B

Microsoft (MSFT) - solid beat across the board
* Revenue: $82.9B vs $81.4B expected (+18% YoY)
* EPS: $4.27 vs $4.06 expected
* Azure: +40% (vs 37-38% guided, beat the high end)
* Al business ARR now at $37B, up 123% YoY
* 2026 capex raised sharply to $190B (vs $154B expected, this is what spooked the market)

Meta (META) - clean beat, capex is the story
* Revenue: $56.31B vs $55.5B expected (+33%
* YoY)
* Underlying EPS: $7.31 vs $6.79 expected (headline $10.44 includes a $8B one-time tax benefit, so don't get fooled)
* Ad impressions +19%, ad pricing +12%
* Q2 guidance: $58-61B (above the $59.6B Wall Street had penciled in)
* 2026 capex raised to $125-145B (from $115-135B)

Amazon (AMZN) - the cleanest beat of the four
* Revenue: $181.5B vs $177.3B expected (+17% YoY)
* EPS: $2.78 vs $1.64 expected (massive blowout)
* AWS: $37.6B vs $36.6B expected, +28% YoY (fastest growth in 15 quarters)
* Operating income: $23.9B vs $18.4B last year
* Custom chips business now at $20B+ run rate, growing triple digit

The interesting pattern here is that all cloud businesses reaccelerated at the same time. Azure 39% to 40%, AWS 19% to 28%, Google Cloud 48% to 63%. That's not a coincidence, it's enterprise Al workloads finally hitting the P&L at scale.

The catch: capex guidance was raised pretty much everywhere (Microsoft $190B, Meta up to $145B, Alphabet up to $190B). The market is now asking the obvious question, can the Al revenue keep up with the spending pace?

05/07/2026

Another Busy Earnings week - still plenty of big names

Who are you watching? AMD, Berkshire Hathaway, Palantir, UBER or others ?