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.

06/24/2026

People often assume their expenses will decrease in retirement. In reality, they often stay the same or increase.

Healthcare can be one of the biggest culprits of unexpected spending in retirement. People commonly assume Medicare will cover most of their costs but don’t account for things like premiums, deductibles, prescription gaps and supplemental coverage that can add thousands to their monthly expenses.

Another hidden factor is helping adult children and grandchildren financially. Expenses like rent support, down payments, weddings, education and even vacations together can have a significant impact on your savings.

The truth is: people are living longer and retirement often costs as much – or more than – working life.

Let’s plan for the unexpected – together: https://www.spiegelmanwealth.com/contact-us

06/04/2026

AI is changing what it means to be a financial advisor, but it hasn’t changed what clients need most.

Adam Spiegelman, CFP, shared his perspective with Leo Almazora at InvestmentNews on what this shift means for the industry.

"AI can tell you kind of what to do," he said, "but it doesn't sit with you when you're scared because the market is crashing or because you need to pull money out for an expense that you hadn't planned for."

Read the full article: https://www.investmentnews.com/ria-news/ai-wont-replace-advisors-but-it-will-sort-the-good-from-the-great/266505

06/02/2026

Your 40s can feel like a financial tug-of-war.

Between kids’ activities, education costs, supporting aging parents, rising housing expenses, and the quiet creep of lifestyle upgrades—everything is taking a toll on your wallet. It’s also the decade where many people unintentionally drift away from the fundamentals that built their financial foundation.

In our experience we see one truth play out again and again: clarity beats complexity.

When you’re clear on your values, your long-term goals, and what you truly want retirement to look like, decision-making becomes simpler. Trade-offs become intentional-and your money starts working for your priorities.

Your future isn’t built on what’s left over—it’s built on what you prioritize today.

Our retirement planning expertise can help you navigate what comes next https://www.spiegelmanwealth.com/our-services

05/28/2026

Experiences can be one of the most meaningful gifts you give.

Whether it’s taking a grandchild on a special trip or supporting an activity they love, these moments create lasting memories. They offer a unique opportunity to share your values, your time, and your presence in a way that financial gifts alone often can’t.

With thoughtful planning, experiential giving can also be done in a financially responsible way that aligns with your broader wealth and legacy goals.

The impact? Stronger connections today—and memories that last for generations.

If you’re considering how to incorporate this kind of giving into your financial plan, we’re here to help you do it with intention: https://www.spiegelmanwealth.com/contact-us

05/27/2026

The rising costs of maintaining two homes could ground some snowbirds in retirement. However, proper planning may help retirees enjoy their two-season lifestyle uninterrupted.

In a recent Kiplinger feature by Brian O’Connell, Adam Spiegelman shared some tips on how chase the sunshine while keeping the lights on.

"Moving your domicile to a lower-risk state can reduce homeowners’ insurance costs significantly, especially when compared to high-risk states like California and Florida, where premiums have spiked dramatically," he said.

Read the full article here: https://www.kiplinger.com/retirement/happy-retirement/how-savvy-snowbirds-are-affording-the-two-home-lifestyle-now

05/26/2026

When your future financial bases are covered in your 50s and you have $100k to invest, what bucket would benefit you most?

In a recent MarketWatch article, Founder and Wealth Advisor Adam Spiegelman, CFP® shared his take with Alisa Wolfson.

“The goal is to beat inflation while managing risk….almost your entire retirement income will be taxed as ordinary income. That’s a significant structural problem that needs to be addressed now while you still have time and high-earning years ahead,” he said.

Read the article: https://www.marketwatch.com/picks/im-50-my-husband-is-58-we-make-350k-a-year-have-no-debt-and-have-1m-saved-but-now-what-real-estate-savings-bonds-gold-9b984c12

05/21/2026

Thorough future financial planning goes beyond retirement. Planning your estate is a critical step to ensure your financial legacy is carried out according to your wishes.

Life changes – marriage, children, new assets – can make existing plans outdated.

A few simple steps can make a meaningful difference:

• Update your will or trust to reflect your current intentions
• Review and confirm beneficiary designations on all accounts
• Organize important documents so they’re accessible when needed.

Communicating your wishes openly with family can prevent conflict and ease the burden on loved ones.

We can help you create and maintain the future you want for your family. https://www.spiegelmanwealth.com/contact-us

05/20/2026

Retirement spending is fluid. Knowing which expenses may change throughout retirement can help better plan for the future retirees envision.

In a recent article GOBankingRates article, founder and wealth advisor Adam Spiegelman shared his thoughts on why it’s important to closely monitor and adjust your retirement plan
as your expenses shift.

"Honestly, if you’re waiting until 75 to adjust your budget, it’s largely too late," he said. "These conversations and plans should have been happening twenty, thirty, even forty years earlier."

Read the full article, syndicated by Yahoo! Finance: https://finance.yahoo.com/markets/articles/retirement-budget-75-drops-doesn-091323521.html

05/19/2026

The implementation of “millionaire taxes” by states is creating new planning challenges for households earning more than $1 million or more annually.

Making matters more challenging, not all states impose these rates or surcharges consistently.

Founder and Wealth Advisor Adam Spiegelman, CFP®, shared his thoughts with Sean Canonica at Comparison Advisor about how a financial advisor can guide the tax optimization process.

“A good financial advisor serves as the quarterback — bringing together the CPA, attorney, and tax adviser around a cohesive strategy,” he said. “That means running scenario analyses, identifying opportunities the client may not be aware of, and asking the right questions,” he adds.

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

05/14/2026

Volatility doesn’t break long-term plans. It tests them. Market swings can be unsettling – but they’re not unexpected.

Headlines seem louder when markets swing, but the reality is that volatility has been – and always will be – part of investing.

It’s what portfolios are built to withstand.

During periods of market volatility, we connect with clients to review their plans, answer questions, and keep their focus on the long-term.

Clear guidance matters most when markets feel uncertain.

Let’s talk about how your portfolio is positioned for any market: https://www.spiegelmanwealth.com/contact-us

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Lafayette, CA
94507

Website

http://www.spiegelmanwealth.com/

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