Encompass Financial Planning

03/21/2026

When a spouse passes away, the surviving spouse often faces a significant and unexpected tax increase the very next year.
It's known as the ‘widow's tax penalty’ and it's one of the most overlooked retirement income risks for women.
The good news? It can be planned for.
Read more: https://www.encompass-fp.com/retirement-tax-planning-women-fiduciary-guide
Book your free call: https://bit.ly/4ayvLe5

How women in Northern California and beyond can navigate retirement, Social Security timing, widowhood tax risk, and legacy planning with a fiduciary advisor who specializes in their needs.

03/19/2026

Many retirement plans aren’t built with women in mind. It’s why we went into business.
You deserve a plan that accounts for your longer lifespan, the tax consequences of widowhood, and Social Security decisions that look very different depending on your history.
This Women's History Month, we published a guide to address that: https://www.encompass-fp.com/retirement-tax-planning-women-fiduciary-guide
Ready to make your own? Book a call: https://bit.ly/4ayvLe5

How women in Northern California and beyond can navigate retirement, Social Security timing, widowhood tax risk, and legacy planning with a fiduciary advisor who specializes in their needs.

02/26/2026

Sometimes, self-love looks like a spreadsheet.
Financial planning doesn’t sound romantic.
But it might be one of the most meaningful acts of self-love you can practice.

Read the blog to see why: https://www.encompass-fp.com/blog/what-self-love-looks-your-finances-and-how-you-can-start-today
Book your call with us now: https://calendly.com/josh-soria/complimentary-fit-call

• Financial self-love means clarity, protection, and intention, not perfection • Estate planning is one of the most overlooked (and powerful) acts of self-care • Having a plan helps reduce stress for you and protects the people you love

02/25/2026

💗 Self-love isn’t just bubble baths and chocolate.
Self-love often gets framed as something you can buy or treat yourself to.
But real self-love is about truly taking care of yourself. Not just today, but for the long road.
It looks like knowing where your money is going.
It looks like having a plan for life’s what ifs.
It looks like making decisions today that future you will be grateful for.
This Valentine’s Day, we’re talking about how self-love starts with your money. Because peace of mind is the most meaningful gift you can give yourself.
Read the blog: https://www.encompass-fp.com/blog/what-self-love-looks-your-finances-and-how-you-can-start-today

Book your call: https://calendly.com/josh-soria/20-minute-introductory-calls

• Financial self-love means clarity, protection, and intention, not perfection • Estate planning is one of the most overlooked (and powerful) acts of self-care • Having a plan helps reduce stress for you and protects the people you love

01/20/2026

OBBB planning does not require a full reset. It benefits from a thoughtful check-in.

From withholding and contribution limits to withdrawals and estate alignment, small updates can support long-term confidence.

We break it down in our latest blog: https://www.encompass-fp.com/blog/obbb-planning-where-start-2026-encompass-financial-planning

Ready to invest in your future? Book your call with us now:
https://calendly.com/josh-soria/complimentary-strategy-session?back=1&month=2025-12

01/19/2026

If 2025 passed without major changes to your financial plan, you’re not behind.
The One Big Beautiful Bill shifted several areas that affect retirement income and taxes. What matters now is coordination, not complexity.
Our latest blog outlines where to start in 2026 with clear, practical steps.

READ MORE: https://www.encompass-fp.com/blog/obbb-planning-where-start-2026-encompass-financial-planning

Ready for your personalized plan? Book a call: https://calendly.com/josh-soria/complimentary-strategy-session?back=1&month=2025-12

12/18/2025

“Investing in yourself often yields the biggest returns.”

Women face different financial challenges—longer lifespans, career pauses, the wage gap. But you can turn those challenges into strengths with the right strategy.

Our latest blog shares five practical steps to help you invest with intention: https://www.encompass-fp.com/blog/women-wealth-5-ways-help-invest-intention-retirement

Ready to invest in your future? Book your call with us now:

Empower your next chapter: 5 intentional steps women can take to help grow wealth confidently and prepare for a secure retirement.

12/18/2025

What does it mean to invest with intention?

Our new blog breaks down the five of the smartest moves women can make before retirement.
Read it now: https://www.encompass-fp.com/blog/women-wealth-5-ways-help-invest-intention-retirement

Ready for your personalized plan? Book a call: https://calendly.com/josh-soria/20-minute-introductory-calls

11/17/2025

“Five year-end money moves that could lower your taxes and raise your confidence.”

The end of the year is more than a finish line — it’s an opportunity.
Our newest blog highlights five key money moves to consider before December 31, including:

✅ Taking advantage of today’s historically low tax brackets
✅ Making the most of new deductions available through 2028
✅ Reviewing your retirement accounts, charitable gifts, and overall plan
📖 Read now: https://bit.ly/4oWBC1m
Ready to start 2026 off strong? Schedule your planning call with us now: https://bit.ly/4nHFcLv

At Encompass Financial Planning, we take pride in helping our clients prepare to start off their next chapter on the right foot, whether that’s the next chapter of life in retirement or the next calendar year. But at year’s end, preparing is the name of the game—holiday meals, family plans, ev...

10/15/2025

I discussed a common strategy for retirees, particularly those between retirement and starting Social Security, which involves taking advantage of the 22% or 24% tax brackets by doing strategic Roth conversions. This strategy is ideal for those living on a modest income now but expecting a large IRA in a few years. By converting some of the IRA into a Roth and paying taxes now, while still in a manageable bracket, retirees can reduce future RMDs and leave their heirs a tax-free legacy. I emphasized the importance of this kind of planning to ensure that more of the wealth goes to the family, not the IRS.

10/15/2025

I discussed a common strategy for high earners to stay in the 24% tax bracket instead of moving into the 32% or 35% range. I suggested maximizing the 401, using a Health Savings Account (HSA) if available, and exploring tax-deferred compensation plans offered by the employer. These strategies can reduce the current tax bill and provide more room for future Roth conversions. I also mentioned that many advisors overlook this kind of bracket management and encouraged viewers to book a call if they haven't had this conversation with anyone