Mefford Wealth Management

10/18/2026

10/15/2026

A Backdoor Roth sounds complicated. It really isn’t.
But there’s a catch: how your retirement accounts are structured can make a big difference.
And this is exactly why year-end tax planning matters. It’s not just about asking, “How much tax do I owe?” It’s about asking, “What can we still do before December 31?”
The clock is running on 2026, and some planning opportunities disappear when the year ends.
Follow me for more year-end tax strategies.
Share this with someone who could benefit.
And if you’re wondering what opportunities you might be missing, reach out while there’s still time.

10/13/2026

Making too much for a Roth IRA doesn’t necessarily mean you can’t have one.
A Backdoor Roth is one of those tax strategies that sounds complicated, but the basic idea is actually pretty simple.
The catch? Timing and planning matter.
And we’re running out of calendar in 2026.
Follow me for more year-end tax strategies, share this with someone who might benefit, and if you’re wondering what opportunities you might be missing, reach out while there’s still time to do something about it.

10/10/2026

Someone you know may need to hear this today.

You are loved. You matter. You are enough.

Mental health has always been deeply important to me, and I’m proud to help carry this message into our community.

Please don’t just like this. Repost it. Share it. Send it to someone you care about.

You never know who might need the reminder today.

10/08/2026

Stocks finished the third quarter mixed. The S&P 500 gained 2.03%, and the Nasdaq Composite rose 2.47%, while the Dow Jones Industrial Average slipped 2.70%. Halloween is next on the calendar, with U.S. consumers expected to spend \$13.5 billion USD this year and 6.26 million Canadian children in their trick-or-treating years.

Quarterly Market Insights | October 2026 U.S. and Canadian Markets Stocks were mixed in the third quarter as economic, geopolitical, and corporate earnings news pushed the broad market higher while weighing on the Dow Industrials. The Standard & Poor’s 500 Index gained 2.03 percent, while the Nasd...

10/07/2026

Well, this was pretty cool.👀
A couple of months ago, I shared that I had been named a 2026 Five Star Wealth Manager. ⭐⭐⭐⭐⭐
Seeing my name in The Wall Street Journal this week made it feel a little more real.📰
I'm proud of the recognition, but I'm mostly grateful for the families who trust me with some of the biggest financial decisions of their lives.
I get to help people figure out when they can retire, make smarter tax decisions, take care of their families, and make sure their money is actually doing what they want it to do.
That's the part of this job that matters to me.
But yeah...seeing my name in The Wall Street Journal was pretty damn cool.
And then, back to work.

10/01/2026

5% might be the magic number. 🪄
Not because it means the market is going up or down.
Because when the price of money changes, the math behind your financial decisions changes too.
And the timing is interesting.
September and October have historically been a choppier stretch for markets, particularly in midterm election years. But history also shows that the period after midterms has often looked very different.
That’s why trying to guess the next market move usually isn’t the answer.
The better questions are:
Is your plan ready if volatility shows up?
And just as importantly...
Are you positioned to participate in what comes after it?
If no one has revisited the math in your financial plan lately, now is a pretty good time.
📅 Schedule a financial review today. Let’s make sure your plan still makes sense for where we are now and whatever comes next.

09/29/2026

5% might be the most important number in your financial life right now.

Not because 5% is automatically good or bad.

Because when relatively safe money can earn around 5%, the math changes everywhere else.

Stocks have a higher hurdle.
Mortgages cost more.
Companies pay more to borrow.
Washington pays more on the debt.
And income investors finally have options again.

5% changes what money costs. And when the price of money changes, almost everything changes with it.

Swipe through to see why.

👀 Want to know what’s actually moving your money? Give me a follow. I’ll keep it in plain English.

09/25/2026

🚨 AI has entered its debt era.

The question is shifting from:

🚨“How big can AI get?”

to...

“When does all of this actually pay for itself?”

That’s a very different question.

👀 Want to know what’s actually moving your money? Give me a follow. I’ll keep it in plain English.

09/23/2026

AI has a new problem: somebody has to pay for all of it.

The AI boom started with chips, software and enormous tech-company cash flows.

Now it’s becoming a debt story.

Hundreds of billions are being borrowed to build data centers, infrastructure and the power needed to run them.

And investors are starting to demand more to lend that money.

That matters because more borrowing doesn’t just affect tech companies.

It can affect interest rates, credit markets and ultimately your portfolio.

Swipe through. I’ll make the complicated part simple.

Follow for more financial news without all the Wall Street speak.