Alma Wealth Management

03/10/2026

07/15/2025

Estate planning often gets pushed aside due to perceived complexity, but it doesn’t have to be overwhelming. From creating a will to organizing digital accounts, these 5 tips make it easier to get started in 2025. Learn more:

Major estate tax changes could hit in 2026—act now to protect your legacy.

✔️ Prep trusts early
✔️ Lock in current gift limits
✔️ Use flexible tools to stay in control

Get ahead of the rush: https://rsm.us/3SX6Siw


The biggest estate planning mistake? Not having a plan at all.

DIY isn’t the answer—work with estate planning pros.
Keep your financial records organized and updated.
Funding your trust is just as important as creating it.
Secure your family’s future—avoid these common missteps. https://bit.ly/3Hh5rJe

Your assets, your wishes, your legacy—are they protected?

Learn how upcoming tax changes could affect what you pass on.
Explore smart, flexible planning strategies now.
Use tech tools to make it easier than ever.
Get ahead of the curve with a little planning today. https://bit.ly/4kDGtSC

Estate planning isn’t just for the ultra-wealthy—it's for everyone.

It’s not just about taxes—it’s about protecting your loved ones.
Planning helps avoid legal delays, confusion, and extra fees.
Even simple steps like updating beneficiaries can make a big difference.
Explore all 13 strategies: https://bit.ly/3Z68euT
(Submitted by Joe Jiovenetta)

We're almost halfway through the year. Is your estate in order? If not, here are some tips to get it done in 2025.

06/17/2025

Rental property in retirement sounds appealing, but are you ready for midnight maintenance calls and vacancy gaps? A rental property might boost your income, but it’s not all passive profit. Learn the pros, cons, and an alternative that still pays:



Roth 401(k)s offer tax-free retirement withdrawals, but you'll sacrifice immediate deductions and may face limited investment options. Under some circumstances, you could actually lose money on this strategy. Learn the hidden pitfalls before you commit: https://bit.ly/4n3nMKh (k)
(Submitted by Joe Jiovenetta)

You may like the idea of getting to collect a check from a tenant every month. But before you decide that it's the right move, consider the drawbacks.

06/13/2025

Even with market volatility, savers are putting away more than ever for retirement. 401(k) contribution rates hit record highs at 14.3%, but many are "building up future tax bills" by choosing traditional over Roth accounts. Find the right strategy for you:


Father’s Day doesn’t have to mean another tie. From food tours to fire pits, spa days to karaoke, these 60+ creative ideas will help you plan a day your dad actually wants. Find the perfect way to celebrate him: http://bit.ly/4n2FOMM
(Submitted by Joe Jiovenetta)

Fidelity’s Q1 2025 report found that Americans are putting income into their 401(k)s at record rates.

06/11/2025

Hurricane season is here, and experts warn it could be a rough ride. Before the storms roll in, review your home insurance, check your deductibles, and consider flood coverage because waiting could cost you. Find out how to prepare now:




Dreaming of "I do" without the "I'm broke" stress? With the average 2025 wedding hitting $33K, smart budgeting and strategic saving are key. Discover tips to fund your big day without big debt: https://bit.ly/45tmKB5

(Submitted by Joe Jiovenetta)

Hurricane season began on June 1. Now is the time to take a look at your homeowners insurance policy and make sure you're well covered.

06/04/2025

529 Plan 101
A 529 plan is a smart way to save for college, and the good news is it’s counted as a parental asset in financial aid calculations, reducing its impact on aid eligibility. If you’ve been hesitant to open one, these facts could alleviate some of those concerns:

Grandparents: Want to help with college costs?
🎓 529 plans offer tax-free growth for education.
🔄 Custodial accounts provide flexibility in how funds are used.
🏦 Paying tuition directly avoids gift taxes.
Smart ways to support their future: https://bit.ly/3YdKepb

Do you have leftover 529 funds? You might get money back penalty free under these circumstances:
🎓 Scholarship recipient
🎖 Military academy attendance
🔁 Roll 529 funds into a Roth IRA (up to $35,000)
See all the ways to avoid the 10 percent hit: https://bit.ly/3S0BGhT

Wondering about 529 plan contribution limits? Whether you’re starting early or adding to your savings, understanding the rules is critical. Learn about contribution limits and how to make the most of your college savings plan: https://bit.ly/4cMUTNG

(Submitted by Joe Jiovenetta)

529 assets can impact college financial aid packages, but there are nuances.

06/02/2025

June - Financial Tips for Summer Spending

Want a luxury holiday without the luxury price? Here are smart ways to save big this summer:

🔍 Use flight trackers and book on off-peak days.

💳 Take advantage of senior and credit card travel perks.

🌅 Travel during shoulder season (the period between peak and off season) for better deals.

🏖️ Choose all-inclusive resorts to control costs.

Check out more tips:



💸 Thanks to “funflation”—people splurging on experiences despite rising prices—demand for travel is still booming. But your budget doesn’t need to suffer. Here’s how to enjoy summer without going into debt:

Budget before you book.
Track spending in real time.
Mix splurges with simple pleasures.
Get creative and travel midweek.
Start planning: https://bit.ly/4mp3KJJ



Want to save on summer travel without sacrificing the experience? Here’s how:

🕰️ Book flights early and use price alerts.

💳 Use co-branded cards to avoid surprise fees.

🗺️ Travel off-season or explore lesser-known spots.

🎟️ Redeem points for last-minute getaways.

Get practical tips for a smoother trip: https://bit.ly/4dp1LB1



🚗✈️ Think flying is always more expensive than driving? Think again.

Solo fliers may save hundreds on long routes.
Groups can often cut costs by sharing the drive.
Don’t overlook hidden expenses—like baggage, lodging, and rental cars.
Planning a trip? Compare costs before you book: https://bit.ly/4jwE63n



Family and Financial Legacy Planning

Estate planning helps ensure that your wishes—and your loved ones—are protected. Be sure to discuss these essential components with your attorney to help build a comprehensive plan:

📜 Will or trust

🧾 Power of attorney and health directives

👥 Beneficiary designations

🛡️ Asset protection strategies

Learn more: https://bit.ly/3Zqgfe6



👪 Estate planning gets more complex in blended families. With multiple heirs and shared histories, clarity is key:

Define goals together.
Name all intended beneficiaries.
Use trusts to reduce conflict.
A thoughtful plan can protect both your loved ones and your legacy. Read more: https://bit.ly/4kjA0vW

(Submitted by Joe Jiovenetta)

Looking for ways to stretch your retirement dollars? Follow these tips to get a deal on your next vacation.