Visionary Horizons Wealth Management

10/18/2026

Where do you begin when buying a home? This article has some pointers.

A look at what you need to think about when buying a home.

10/17/2026

🎁 Uncle Sam should not be on your gift list this year.

But three year-end retirement decisions can put him there anyway:

📅 Social Security: When you claim benefits is a big decision. What factors are driving your timing?

🩺 Medicare: Your income can affect what you pay for Medicare. Even income from two years before you enroll can impact your premiums.

⏰ Required Minimum Distributions (RMDs): What’s your long-term strategy for RMDs? Have you considered ways to manage them?

Retirement decisions have consequences and are often interconnected. Review all three together before December 31, not one at a time.

💬 If any of this sounds worth a closer look, let's talk before the year wraps up. Uncle Sam doesn't need an extra gift this season.

10/16/2026

According to a 2025 report from Capitalize, an estimated 31.9 million retirement accounts have been left behind by job changes over the years.

Combined, they hold about $2.1 trillion. The average balance is nearly $67,000. 🗂️

One of them could have your name on it.

The federal government built a tool for this. The Retirement Savings Lost and Found Database, created under a 2022 law and run by the U.S. Department of Labor, searches for old workplace plans tied to your Social Security number.

Here's how it works:

1️⃣ Go to lostandfound.dol.gov

2️⃣ Verify your identity through Login.gov

3️⃣ Search for old workplace plans tied to you

4️⃣ Check the results and contact the plan

Old accounts get buried under new jobs, new addresses, and providers that merge or rename.

If you've changed jobs more than once, run the search at lostandfound.dol.gov and see what turns up. 💬

10/15/2026

These 6 things might make your next return a prime target for an IRS audit.

Here are six flags that may make your tax return prime for an IRS audit.

10/14/2026

Did you know that your 2026 Medicare Part B premium isn't based on this year's income? It's based on what you earned two years ago. 🏥

That means your 2026 Medicare premium could be based on income from 2024 even if you’ve retired or your income has changed dramatically since then. ⏳

But there’s a way to potentially change that.

Form SSA-44 lets you ask Social Security to reconsider your Income-Related Monthly Adjustment Amount (IRMAA) if your income dropped because of a qualifying life event, including:

🔍 Retirement or reduced work
🔍 Marriage, divorce, or loss of a spouse
🔍 Loss of income-producing property
🔍 Loss of pension income
🔍 Certain employer settlements

Before your next premium notice arrives, check what income Social Security is using.

That’s exactly what we’re here to help with, so there are fewer surprises along the way.

10/13/2026

10/12/2026

Looking to create a financial legacy for your heirs while managing taxes? Grantor Retained Annuity Trusts (GRATs) may be the solution you're looking for. Explore how GRATs can help you transfer wealth and reduce gift tax liability.

Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy.

10/12/2026

For some, the second Monday in October marks Columbus Day, a commemoration of exploration and its role in shaping American history.

For others, it’s Indigenous Peoples' Day, a time to honor the cultures, histories, and contributions of Native communities.

Both observances point to something worth sitting with: how differently history can be remembered and how many perspectives make up a single story.

10/11/2026

Many people stop being "and-a-half" around age 12. But at age 50, "and-a-half" makes a comeback.

Here's a look at several birthdays and “half-birthdays” that have implications regarding your retirement income.

10/09/2026

Medicare takes a little time to understand. As you approach age 65, familiarize yourself with its coverage options, costs, and limitations.

How Medicare can address health care needs in your retirement strategy.