SJ Boyle Wealth Planning

09/02/2026

A lot of clients we help have the financial means to retire early, sometimes in their late 50s or early 60s.

Executives. Doctors. Professors. Business owners.

They’ve saved and planned and are ready for their next chapter.

But one decision can still keep them up at night: health insurance.

If you retire before age 65, you may have several years to bridge before Medicare begins. And how you cover that gap can have impact on your retirement income and tax strategy.

There are three common ways to bridge the gap:

- COBRA coverage through your former employer
- Health insurance through the ACA Marketplace
- Coverage through a spouse’s employer-sponsored plan

The right option depends on more than the monthly premium. Your income, taxable withdrawals, potential ACA subsidies, healthcare needs, and retirement timeline can all factor into the decision.

Can you stop working? Yes. But you also need to assess how health insurance fits into your overall retirement plan.Wondering how the Medicare gap fits into your plan?

Book a free 15-minute call and we'll walk through it together: https://go.sjboylewealthplanning.com/consult-schedule

08/31/2026

Heard about the Trump Account but not sure it's worth it? Here's the quick version.

Launched July 4, 2026, under the One Big Beautiful Bill Act, it's a tax-deferred investment account for U.S. citizen kids under 18. Children born between January 1, 2025, and December 31, 2028, get a one-time $1,000 government seed deposit to start.

Grandparents can add up to $5,000 a year, and it grows tax-deferred until the child turns 18.

Down the road, the money can go toward higher education, job training, buying a first home, starting a small business, or simply rolling into a traditional IRA.

Compare that to a 529, which is designed specifically for education (tax-free growth for qualified education expenses).

For most families, it's not either/or. It's knowing which account does which job.

08/28/2026

Estate planning involves more than writing a will. It includes beneficiary designations, powers of attorney, trusts, and other decisions that shape how your wishes are carried out.

Our Retirement-Ready Estate Planning Guide walks through the key topics to consider as part of your overall financial plan.

Get your copy today: https://go.sjboylewealthplanning.com/estate-planning-guide

08/27/2026

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08/27/2026

Coming from rural WVa she has always been a hero to me. The world will miss her! I already do.

Last night, at exactly 9:25—9 to 5—the top of the Empire State Building in New York City lit up pink.

08/26/2026

Think you make too much money for a Roth IRA?

A backdoor Roth may provide another option but the pro-rata rule can create unexpected taxes if you already have pre-tax IRA assets.

Watch this quick video to learn more:

Think you make too much for a Roth IRA? Think again. 💸In this vid...

08/24/2026

You don’t need the income, but you still want to work. Do you want to sell your crafts on Etsy, become a personal trainer, or open a small business in retirement? Wonderful. Just keep a few things in mind first.

If you retire before full retirement age and you're already claiming Social Security, your new income can affect your benefit. In 2026, once your net self-employment earnings pass $24,480, Social Security holds back $1 for every $2 you earn above that line.

The good news? Once you reach full retirement age, that limit goes away entirely. You can earn whatever your venture brings in, with no impact on your benefit at all.

So the timing of when you launch and when you claim matters more than you might expect.

Turning a passion into a paycheck is a great way to spend retirement. Let's check that Social Security works with your plan, not against it.

08/23/2026

This is an excellent read of where our 40 Trillion dollar deficit came from.

How did U.S. debt get so big? The answer may surprise you

08/21/2026

Your estate plan doesn’t have to be complicated. In this video, we break down the 4 key estate planning documents you should have in place, from your will and beneficiaries to powers of attorney and advance directives.

Want to get organized? Download our free 5-Minute Estate Planning Checklist to get started.

🎯 Get Your Free Estate Planning Guide - https://go.sjboylewealthplanning.com/estate-planning-guide

08/20/2026

A Living Will isn't just for the elderly or end-of-life care. It gives your family clear instructions about your medical wishes if you can't speak for yourself.

In this episode of our Estate Planning Series, we explain what a Living Will covers, from life-sustaining treatments and pain management to your personal and religious values, and why putting your wishes in writing can help spare your family from difficult decisions during a crisis.

Subscribe for Episode 5, where we'll show you how the four core estate planning documents work together.

🎯 Get Your Free Estate Planning Guide - https://go.sjboylewealthplanning.com/estate-planning-guide