Iarann Wealth

08/07/2026

LLC or S-Corp? It may not be either/or. Learn how the legal structure and tax election work together and when an S-Corp may actually save you money.

Tap the link in our bio to read our latest blog.

07/24/2026

The timing of market returns can matter just as much as the average return, especially early in retirement.

Learn how Sequence of Returns Risk can affect your savings and how a thoughtful income strategy may help reduce the impact.

Tap the link in our bio to read our latest blog.

04/06/2026

It’s 10 days until Tax Day. A busy person like you might find themselves filing your taxes in the final stretch for many reasons. Don’t sweat it! Get your paperwork together, talk to your trusted tax professionals, and remember that filing for an extension is possible before April 15th!

03/31/2026

Roth conversions are often called one of the most powerful tax strategies, but for high-income earners, timing is everything. The right conversion window can reduce lifetime taxes. The wrong one can do the opposite.

Our latest blog explains what to watch for and when a Roth conversion may actually make sense.

Click here to read the full blog: https://iarannwealth.com/roth-conversion-when-it-actually-makes-sense-for-high-earners/

03/18/2026

What if your most expensive tax decision in 2026 happens long before you file your return?
Tax prep looks backward; tax strategy looks ahead, and that gap is where real after-tax outcomes get decided.

A few high-impact levers to keep on the radar:
➡️ When Income Lands: Timing bonuses, self-employment income, and retirement distributions can help manage brackets.

➡️ How You Might Save: Consider taking advantage of the higher 401(k) limits in 2026 and catch-up provisions—but be sure to look into whether you need to use a Roth for those catch-up contributions.

➡️ Where Giving Shows Up: New rules change how charitable gifts and Adjusted Gross Income (AGI) limits work together.

➡️ What You Do in Down Markets: Tax-loss harvesting can turn volatility into a tool, not just noise.

➡️ With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.

Preparing year-round can help shape future cash flow, flexibility, and choices.



Sources:
➡️ https://www.affiancefinancial.com/news/tax-planning-or-tax-preparation-which-do-i-need
➡️ https://www.bdo.com/insights/tax/irs-issues-final-catch-up-contribution-regulations-for-salary-deferrals-in-retirement-plans
➡️https://www.irs.gov/pub/irs-drop/n-25-67.pdf
https://silvertaxgroup.com/donor-advised-funds-strategy/
➡️ https://www.fidelitycharitable.org/guidance/charitable-tax-strategies/bunching-charitable-donations.html
➡️ https://www.bankrate.com/retirement/convert-to-roth-ira/

03/18/2026

Happy St. Patrick’s Day from all of us at Iarann Wealth! Wishing you a day filled with luck, joy, and prosperity. 🍀

03/11/2026

Oil touches almost everything in the global economy, and it affects so much more than what we initially notice at the gas pump. When energy markets move, the effects ripple through transportation, manufacturing, food prices, inflation, and ultimately the broader economy.

With everything going on in Iran, oil markets are experiencing high levels of disruption and heightened volatility. Close to 20% of the world’s oil supply travels through the Strait of Hormuz, which is currently almost at a standstill due to the conflict in Iran. When supply routes or production are threatened, energy prices can react quickly, and those moves often filter through the broader economy.

Periods like this are a reminder of how interconnected global markets really are. Geopolitical developments can shift quickly, and markets often react before the full picture becomes clear. We saw oil jump to almost $120 a barrel on 3/9/2026, and it has taken a fall by roughly $30 dollars per barrel in just two days.

With everything going on in the Middle East, when looking at investments, the takeaway is not panic. It is prudence. In uncertain environments, patience, diversification, and a disciplined long-term perspective matter more than reacting to every headline.

Markets have navigated geopolitical shocks before, and they will again. The key is staying thoughtful when the noise is loud.



https://www.wsj.com/finance/feast-to-famine-in-the-oil-market-c2d31fa1?mod=finance_lead_pos5

https://www.wsj.com/market-data/quotes/futures/CRUDE%20OIL%20-%20ELECTRONIC

03/04/2026

Deciding when to claim Social Security is one of the biggest retirement choices you’ll face. There’s no one-size-fits-all answer, but there are some factors to consider:

📌 Are you still working?
📌 How long do you expect to live based on health and family history?
📌 How do early or delayed benefits fit into your retirement picture?

This guide walks through the basics to help you start thinking about your options.

02/23/2026

Health insurance in 2026 feels different.

Because it is.

Subsidies expired.
Premiums jumped.
Healthy enrollees exited.
And the “cheapest” plan isn’t always the smartest move.

This year requires intention.

We explain what’s actually happening, and how to evaluate your coverage the right way.

Tap the link in our bio to read our latest blog.

02/17/2026

As tax season gets underway, the U.S. Postal Service has updated how postmarks are applied and that change could matter for time-sensitive mail.

Under the revised process, some mail pieces may receive a postmark based on when they’re processed by USPS, rather than the date they’re dropped off or collected. For documents where the postmark date determines whether something was submitted on time, this distinction can be important.

That includes items such as:
➡️ Tax returns and supporting documents
➡️ Estimated tax payments
➡️ Requests for extensions
➡️ Other official forms or correspondence tied to filing deadlines

With this change in mind, allow extra mailing time. You may want to confirm which electronic or in-person submission options will help reduce last-minute issues during a busy filing season.



Source:

Dates on mail now reflect when it’s processed, not when it’s dropped off