Jairo C. Lemos of Gateway Financial Partners

11/04/2026

An IRA withdrawal from two years ago was still costing one of my clients money. They had no idea until we started digging.

A while back, we were looking into a question about their Social Security benefits.

When I reviewed their tax returns, I noticed some large IRA distributions had pushed their income well above normal for those years.

That matters because Medicare uses your income from two years prior to set your Part B and Part D premiums.

Higher income can trigger a surcharge called IRMAA, which is often deducted right from your Social Security check.

We took a closer look at how their premiums were calculated and whether their situation qualified for a review. I helped them pull together the documentation and encouraged them to submit it to Social Security right away.

They recently heard back. Their premiums were adjusted, and they’re being reimbursed for the extra amounts that had been taken out of their benefits.

Taxes, IRA withdrawals, Medicare, and Social Security are all connected. A decision in one area can show up somewhere you’d never expect, sometimes years later.

Helping clients connect those dots is one of my favorite parts of this job.

Have you looked at how your retirement income decisions could affect your Medicare costs?

If you’d like a second set of eyes, I’d be happy to help you through it.

860.430.8193
[email protected]
[email protected]/bookings/" rel="ugc" target="_blank">https://outlook.office365.com/owa/calendar/[email protected]/bookings/

11/03/2026

Leaving a job? Your 401(k) doesn’t have to stay behind.

This article explores what options are available, and what questions to ask, before making a move.

https://www.forbes.com/councils/forbesfinancecouncil/2025/02/13/do-you-know-about-the-rollover-options-for-your-401k/

When leaving an employer, understanding your 401(k) options is crucial to preserving your retirement savings.

10/28/2026

The best part of any conference? The people you get to share it with.

Align '26 brought together an incredible group of advisors and professionals, but it was the conversations, laughs, and connections between sessions that made the experience even more memorable.

It's always refreshing to spend time with people who share your passion, challenge your thinking, and genuinely enjoy seeing one another grow.

Grateful to be part of the Gateway Financial Partners community and looking forward to many more moments like these!

10/27/2026

Last week at our Gateway Financial Partners Align Conference, something magical happened.

The room was filled with discussions about:
1) Creating a superior experience of belonging for our clients
2) Using our tools & resources to become more effective/efficient with our time
3) The future of our industry and our firm, and how to best position ourselves for the next phase of growth

I was asked to be a panelist and speak in front of a group of the most intelligent and successful financial professionals in the industry. It was truly an honor and a pleasure to be surrounded by my fellow Gateway Financial Partners.

As Patrick Bet-David always says, “The Future Looks Bright!”

10/26/2026

That number doesn’t include long-term care, dental, or unexpected medical expenses.

Healthcare in retirement is one of the biggest costs, and one of the easiest to underestimate. Building it into your plan early can help you feel more prepared when the time comes.

10/22/2026

Estate planning is more than drafting documents. It’s about timing decisions: when to gift, when to update, and when to take advantage of changing tax rules.

In need of estate planning assistance? I'd be happy to help you craft a plan to fit your needs!

860.430.8193
[email protected]
[email protected]/bookings/" rel="ugc" target="_blank">https://outlook.office365.com/owa/calendar/[email protected]/bookings/

10/21/2026

Excited to be part of this panel!

2026 Align conference, are you ready?! 🔥🔥🔥

Align starts tomorrow, and we can’t wait for this one! 🙌



Gateway's own Candace Byrnes, Julie Graney, CFP®, Steve Lautenschlager, and Jairo C. Lemos, MBA, AIF®are taking the stage to share what’s really working when it comes to creating capacity in a practice.

Real strategies, real results, straight from advisors doing it every day.

📅 Thursday, October 22 🕓 3:50 to 4:30 PM

Who's pumped?!

10/19/2026

Inflation Demystified: Inflation affects every part of our economy. Here’s a quick breakdown:

Demand-Pull: Think booming demand during holidays or shortages of hot items.

Cost-Push: Supply chain delays and energy price hikes often trigger this.

Built-In: A ripple effect when wages and prices increase together.

10/15/2026

"LLCs offer flexibility in how income is reported and how the entity is taxed.

This article breaks down the distinctions between default classifications, S-corp elections, and the implications of each for business owners.

https://www.forbes.com/councils/forbesfinancecouncil/2025/05/14/llc-tax-benefits-explained-what-you-need-to-know/

While you may have initially opted for the sole proprietorship or partnership structure for your startup, these structures may not be practical once your business grows.

10/14/2026

Exercising Incentive Stock Options (ISOs) near year-end could trigger the Alternative Minimum Tax (AMT).

If you’re weighing year-end tax moves, the timing of an exercise matters just as much as the price of the stock.