Wealth Advisor: Karley Wardlow

11/01/2026

I will never be too old to dress up for Halloween 🎃

Gena, Isabella and I were the Sanderson sisters from Hocus Pocus. 🧙 🧙‍♀️ 🧙

🤠 Tom was a cowboy.

🔥 Joanna was Nova Daywalker from Zombies 4!

🕷️ Warren was Spider-Man!

🦖 Phoenix was a Dino And Lea was the Scream guy!

Happy Halloween!! 🎃 👻

10/30/2026

Parents, this may be worth adding to your radar! Alex Miller's latest Beautifully Frugal blog explains Trump Accounts, who may qualify, and what families should know about getting started.

Earlier this month, Trump Accounts automatically enrolled millions of eligible children. Many famili...

10/28/2026

How does your pay compare locally? As you plan for 2027, our KerberRose team can help you benchmark the positions that matter to your organization.

As organizations start planning their 2027 budgets, compensation is an important part of the conversation. Do you know how your pay compares with the local market?

10/27/2026

Estate planning can feel like a task for your future self. But the life you’re building today deserves a plan, too.

Marriage, children, and business ownership can bring new responsibilities long before retirement. That’s why “I’m too young” isn’t the most useful starting point.

Try these questions instead:

✔️ What has changed since I last considered my plan?
✔️ Whose needs do I want my plan to account for?
✔️ What wishes would I want clearly documented?

I’m sharing this because starting the conversation matters—even if you’re not sure where to begin.

Our KerberRose wealth team is a resource for that next step. Schedule a review and share this with someone who’s been meaning to get started.

10/25/2026

When we think about caregiving, we often think about the time it takes. But what about the long-term financial impact?

I’m sharing a recent blog from our team at KerberRose that looks at how caregiving can affect employees’ ability to save, manage debt, and prepare for retirement.

It also explores ways employers and plan sponsors can help—from more targeted communication to flexible benefits and financial wellness resources.

If you’re involved in employee benefits or retirement plan decisions, this is worth a read.

Recent data shows a notable overlap between caregiving and financial fragility. The 2026 Retirement ...

10/24/2026

Your 2027 budget is about more than numbers. It’s also about the people who help your organization move forward.

As you plan for the year ahead, it’s worth taking a closer look at how your compares with the local market. Competitive pay is an important piece of attracting and retaining talent.

I’m sharing a resource from our team at KerberRose that can help: customized salary benchmark reports focused on the positions most important to your organization.

Learn more and choose the report level that fits your needs: https://share.hsforms.com/19LFDpaJ8Rq65bfmbBOc9Xw31rnd

Read More...

10/23/2026

Alex Miller and Ethan Hausmann have been nominated for NAPA’s Top Young Retirement Plan Advisors award—the “Aces”!

I’m happy to help spread the word and celebrate this recognition of two colleagues in the retirement plan industry.

If you’d like to cheer them on, take a moment to show your support through the voting link below. Voting closes Friday, October 30, at 5 p.m. PT. Vote now!

Take this survey powered by surveymonkey.com. Create your own surveys for free.

10/20/2026

One of my favorite parts of being with KerberRose is getting the opportunity to connect with colleagues across our offices.

Last Wednesday, I spent the day in Eagle River working with Kalisa Mortag, CPA as we prepared for an upcoming firm training presentation. Kalisa and her team were incredibly welcoming and even let me join their pumpkin painting activity. Let's just say my pumpkin looked a lot better in my head than it did in reality, but it was fun to step away from work for a bit and enjoy some laughs together.

Now I need your help settling an important office debate. 🎃

Which pumpkin deserves first place? Vote in the comments, and the winning artist will receive a fun prize from me! 😄

10/15/2026

Widows? That's random.

Yes. Read on.

Today, I met with a client whose husband passed away unexpectedly at age 56.

In many ways, he had done everything right. He worked hard, saved diligently, and built assets intended to support both himself and his wife throughout retirement.

Tragically, he never had the opportunity to enjoy what he spent years preparing for.

Now, his wife is preparing to retire on Dec 1.

Before making that final decision, she wanted to ensure she wasn't overlooking anything that could become a costly mistake.

And honestly, that's one of the most common concerns I hear from widows:

Fear.

Fear of making the wrong decision.

Fear of overlooking an important detail.

Fear of having to figure everything out alone.

Because suddenly, they're responsible for ALL. THE. THINGS.

Many of those things they've never had to navigate alone before.

My client came to me with questions about:

• Whether she's financially ready to retire
• Finalizing her retirement budget
• Covering a larger healthcare expense
• Understanding Marketplace health insurance before age 65

Together, we worked through it all.

We reviewed a sustainable retirement income strategy, discussed Social Security survivor benefit options available to her as a widow, and explored how to coordinate her retirement income with future health insurance premium subsidies.

By the end of our conversation, she didn't just leave with information.

She left with confidence.

Confidence in:

• How much income she'll have in retirement
• How she'll cover healthcare costs
• Knowing she doesn't have to navigate these decisions alone

Because I'll be right there with her as she applies for Social Security, works with her Marketplace insurance agent, and continues building the retirement her and her husband worked so hard to create.

This is why I serve widows.

Not because they need someone to make decisions for them.

But because they deserve a partner who empowers them, buy helping them understand their options, make informed decisions, and move forward with confidence.

10/14/2026

Financial accounting and management accounting both tell an important part of the business story, but they serve different audiences.

📈 Financial accounting focuses on recording and reporting what has already happened. Think journals, ledgers, trial balances, and financial statements.

⏱️Management accounting looks forward. It helps leaders make informed decisions through budgeting, forecasting, performance analysis, and planning.

As an accounting professional, I get to see how both sides work together: one provides a clear picture of financial results, while the other helps shape what comes next.