Spiegelman Wealth Management

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Lafayette, CA
Spiegelman Wealth Management

For over 25 years, we've helped 100s of families to spend confidently while saving for the future.

08/25/2026

With college tuition rates rising an average of 5.94% per year since 1980, financial advisors are having college planning conversations with their clients earlier in the relationship.

Founder and Wealth Advisor Adam Spiegelman, CFP® shared with InvestmentNews how he discusses higher education with his clients.

“Many parents don’t realize they can superfund 529 plans using several years of gifting allowances up front, or that 529s can now be transferred among family members,” he said. “Even if you ended up paying taxes and penalties on those dollars, the tax-deferred growth often still leaves you ahead compared to saving in a taxable account."

Read the full article: https://lnkd.in/eUFrnR7v

08/20/2026

Instilling confidence in our clients during periods of economic uncertainty is one of our most important roles as financial advisors.

It can be difficult not to react to market swings or erratic news. Our job is to maintain a steady presence and assure our clients that staying the course is the more predictable path for their plan. It’s like someone checking their weight every day: they won’t realty see the progress until they let a period of time pass. This holds true for long-term financial performance.

Let’s discuss how we can guide you: https://www.spiegelmanwealth.com/contact-us

08/18/2026

How much of your retirement income should be guaranteed?

There’s no one-size-fits-all percentage. The better question is: Will your essential expenses be covered by reliable income?

Think about the costs that are unavoidable: housing, utilites, insurance,
healthcare. These core expenses should ideally be funded by dependable income sources like Social Security, pensions, or other predictable income streams. It’s important to use conservative assumptions, especially when estimating Social Security benefits, rental income, or potential inheritances.

Once your essentials are covered, investment portfolio withdrawals can provide flexibility for discretionary spending and lifestyle goals.

A successful retirement is about having a plan that’s built around your needs and updated as life changes.

If you’re unsure how your expenses stack up against your guaranteed income, let’s talk it through: https://www.spiegelmanwealth.com/contact-us

08/13/2026

The biggest Social Security mistakes often come from failing to plan before claiming.

In a recent article by GOBankingRates, Adam Spiegelman, CFP®, discusses how careful planning can improve long-term outcomes and prevent unintended reductions.

"The rules are mechanical, updated annually and easy to overlook, which is why the impact often comes as a surprise,” he said.

Read the full article, syndicated by AOL: https://www.aol.com/articles/working-part-time-retirement-quietly-110011000.html?guccounter=1

08/11/2026

When markets get volatile, it's easy to feel anxious. But successful investing isn't about reacting to every headline—it's about staying focused on your long-term plan.

If you're diversified, saving consistently, and working toward your goals, short-term market swings are part of the journey.

One of the best things you can do during uncertain times is talk with your financial advisor. A trusted perspective can help you focus on what matters and avoid emotional decisions.

And remember: be wary of noise. Headlines, social media, and "hot tips" can be distracting. If something sounds too good to be true, it probably is.

A solid plan and the discipline to stick with it can go a long way when markets aren't calm.

08/06/2026

State-level millionaire taxes can make an already complicated financial situation even more so. As a high earner, it’s important to stay calm and approach any changes with a clear and logical plan.

Founder and Wealth Advisor Adam Spiegelman, CFP®, shared his thoughts with Sean Canonica at ComparisonAdviser on where to begin and warns not to procrastinate to avoid tax burden.

“Start with lifestyle, then build your tax strategy around it,” he said.

Read the full story: https://comparisonadviser.com/news-and-studies/state-millionaire-taxes/

08/04/2026

What should you be doing to prepare for retirement long before your 50s?

The answer is simple: save consistently and give yourself time.

The clients we see who are in great shape for retirement didn't get there by accident. They started saving in their 20s and 30s, contributed to their 401(k)s and 403(b)s, lived within their means, and stayed committed through different stages of life.

By the time they reach their 50s, we're often fine-tuning a plan—not building one from scratch.

Retirement readiness isn't usually the result of one big financial decision. It's the result of decades of consistent habits generating results over time.

07/30/2026

When people think about compounding, they often focus on the returns. But the real power of compounding starts with building the base.

One of the best financial habits is simply saving consistently. Enjoy life. Go to dinner. Buy the things that matter to you. But make sure you're also setting money aside for your future.

The truth is, compounding becomes transformational when you've accumulated meaningful assets.

That's why starting early matters. The more time your money has to grow, the more opportunities it has to work for you.

No one knows exactly what retirement, Social Security, or future expenses will look like. What you can control is the decision to save today.

Start early. Stay consistent. Give compounding time to do what it does best.

07/29/2026

Retirement can feel like a delicate balance between nurturing the nest egg you’ve worked years to accumulate and letting go of the fear of spending in order to enjoy the fruits of your labor.

"There's a real psychological shift involved in going from getting a paycheck every couple weeks to relying on savings you spent decades accumulating,” Adam Spiegelman, CFP® said in a recent article by U.S. News and World Report.

In the article, Adam discussed how having a retirement spending plan can ease some fears and loosen the purse strings without going too far and why that is such a challenging mindset.

Read the full article: https://money.usnews.com/money/retirement/articles/underspending-in-retirement

07/28/2026

It’s a common sentiment that expenses steadily decline throughout retirement. In practice, that’s often not the case.

In a recent GOBankingRates article, founder and wealth advisor Adam Spiegelman, CFP® shared how spending patterns often peak in early retirement and tapers off in later years due to lifestyle changes.

"A couple could easily be paying $1,500 to $2,000 or more per month just for healthcare coverage” he said.

Read the full article, syndicated by AOL: https://www.aol.com/articles/retirement-budget-75-drops-doesn-091323000.html

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Lafayette, CA
94507

Website

http://www.spiegelmanwealth.com/

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