Demland Wealth LLC

09/29/2026

Don't convert everything in your IRA to Roth.

If you've tithed for thirty years, part of that IRA was never part of your spending plan to tax-plan around. It's the church's share, and starting at 70½ it has a 0% exit: a qualified charitable distribution, straight from the IRA to your church, no tax. If you convert that part, you've rendered unto Caesar something he never even asked for.

Convert the living money. Leave the giving money.

Full episode with the numbers on a hypothetical couple is on YouTube. Link in the first comment.

Do you give from your IRA, or from checking? Tell me below.

Educational only, not tax or investment advice. Demland Wealth LLC, state-registered investment advisor, Ohio and Indiana.

09/24/2026

Have you ever considered giving the next 10 years of your church giving in one year?

If you're retiring in your early 60s with a large IRA, that one big gift might be what pays for your Roth conversion.

Meet Hank and Peggy — a hypothetical couple, both 62, about $3 million in IRAs, giving $25,000 a year. A $250,000 gift to a donor-advised fund lets them convert $352,000 to Roth this year for the same tax they'd have paid converting $125,000 without it. Their church still gets its $25,000 every year, on schedule. And at 62, none of it touches a Medicare premium.

There are tradeoffs — the gift is irrevocable and you need enough non-retirement money to make it work. I walk through all of it here.

Got a money question or worry? The answer is probably GivMoar.

04/13/2026

If you are over 70 (or know someone who is), have an IRA, and you give to your church and other charities every year please make sure you know all about Qualified Charitable Distributions.

Tax-Efficient Withdrawal Sequencing: Which Retirement Accounts to Tap First (and How QCDs Help You Give More to the Kingdom) April 11, 2026 Jason Demland Many faithful Christians, like you, have stewarded their money and been cared for well by the Lord’s merciful hand. Yet when it’s time to reti...

01/27/2026

Some good insights from billionaire David Booth:

Thinking about getting a financial advisor? A good one will welcome your questions. So here are some to get you started.

09/15/2025

Demland Wealth is thrilled to announce that its founder and lead financial planner, Jason Demland, CFP®, CKA®, has earned the Enrolled Agent (EA) designation from the Internal Revenue Service (IRS). This significant achievement highlights Jason’s dedication to providing specialized tax-efficient financial planning services to his clients, particularly those seeking faith-based retirement strategies.

As an Enrolled Agent, Jason is now enrolled to represent taxpayers before the IRS, enhancing his ability to offer comprehensive tax planning and wealth management solutions. This designation, earned through rigorous testing and extensive training, complements his existing credentials as a Certified Financial Planner™ (CFP®) and Certified Kingdom Advisor (CKA®). With this expertise, Jason is well-positioned to help Christian clients navigate complex tax scenarios while aligning their financial goals with their faith-driven values.

07/10/2025

The One Big Beautiful Bill has some interesting implications for 529s.

They might be an even better option for gifting to your kids and grandkids now, especially if they're homeschoolers.

Using 529s To Lower Taxes and Bless Your Family July 10, 2025 Jason Demland The ONE BIG BEAUTIFUL BILL is done. Yes, it’s really called that, so my repeating it doesn’t necessarily mean I think that it is beautiful, though it is undoubtedly big. There’s a lot going on in the bill and I’m st...

06/13/2025

https://mailchi.mp/demlandwealth/fridaythe13th?e=7806f66201

04/22/2025

Defusing the Retirement Tax Time Bomb: Why Roth IRAs Are Your Secret Weapon April 22, 2025 Jason Demland Retirement planning isn’t just about saving as much as you can. It’s about keeping as much of it as possible for you, your family, and places you care about and giving as little as possible t...

03/18/2025

Will your retirement plan survive a volatile market?

Weathering the Storm: A Retiree’s Guide to Surviving Market Dips March 10, 2025 Jason Demland When the market drops (or seems to bounce all over the place depending on the newest headline) it can get uncomfortable. For those of us still saving, the drops are a great opportunity to invest more. But...

04/05/2024

Do you think that work/life balance is something worth pursuing?

Work. Rest. Repeat. April 5, 2024 Jason Demland You’ve no doubt heard about the importance of “work/life balance”. Helping folks steward their money wisely has forced me to think about it often. It seems like a noble statement. “I want to have a great work/life balance.” Awesome. Don’t ...