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Rosemarie Sy Tax & Financial Services

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Rosemarie Sy Tax & Financial Services

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Need tax advice? Want more tax tips? We spEAk tax! We provide professional tax & financial services with over 25 years of experience.

11/02/2026

November is Long-Term Care Awareness Month. 💚
Almost 70% of people turning 65 will need some type of long-term care in their lifetime. About a third never will. The hard part is that nobody knows which group they'll be in.
Planning ahead isn't pessimistic. It protects your savings and takes pressure off the people who love you.
Have you thought about how you'd handle it? Tell me in the comments. 👇

11/02/2026

Financial peace isn't about being rich. 💚

It's about knowing your family is protected.

Most families I talk to aren't chasing a million dollars. They want to know the answers to a few simple questions:

✅ If something happened to me, would my family be okay?
✅ Is my tax bill as low as it legally can be?
✅ Will our retirement income actually cover our life?
✅ Do we have a written plan, or just a hope?

Peace of mind comes from having a plan. It doesn't depend on how big your paycheck is.

Helping you keep more of your money and protect the people you love.

👉 Send me a message with "PEACE" and let's talk about where your family stands.

11/02/2026

2027 Healthcare Open Enrollment

The 2027 open enrollment period for Marketplace health insurance began on Sunday, November 1, 2026, and runs through January 15, 2027. To obtain coverage starting January 1, 2027, you must enroll by December 15, 2026. If you enroll between December 16, 2026, and January 15, 2027, your coverage will generally begin February 1, 2027. During this period, you can enroll in, renew, or change health plans for the coming year.

Once the Open Enrollment period is over, you generally can only enroll in or change Marketplace plans if you qualify for a Special Enrollment Period, such as after certain qualifying life events.

Enrollment can be completed at https://www.healthcare.gov, and information on how to prepare for enrollment, including what documents you'll need, can be found here: https://www.healthcare.gov/apply-and-enroll/get-ready-to-apply/.

10/27/2026

Accurate W-2 Reporting Is Required to Deduct 2026 Overtime – Did You Know?

Eligible taxpayers may deduct up to $12,500 of qualified overtime compensation ($25,000 for joint filers) on their 2026 federal income tax returns without itemizing. The deduction begins phasing out when modified adjusted gross income exceeds $150,000 ($300,000 for joint filers). Married taxpayers generally must file jointly. Qualified overtime generally means the “half” portion of time-and-a-half pay required under the Fair Labor Standards Act. Social Security and Medicare taxes still generally apply.

For 2026, employers must report qualified overtime on Form W-2 in box 12 using code “TT.” If the amount is missing or incorrect, contact your employer and keep supporting pay stubs handy. Be sure to obtain a corrected Form W-2c (Corrected Wage and Tax Statement) if your employer omitted or incorrectly reported your qualified overtime pay.

10/27/2026

Hope is not a strategy. 🌅
Whether retirement is 30 years away or 5, ask yourself these five questions:
1️⃣ When do I want to stop working? 2️⃣ How much monthly income will I need? 3️⃣ Where will that income come from? 4️⃣ How long might it need to last? 5️⃣ What if my health or plans change?
If you can't answer them yet, that's okay. That's exactly what we work on in the retirement workshop.
💾 Save this and write down your answers tonight.

10/27/2026

This is why I do what I do. 💛
When people understand how money works, they feel more in control, and that changes how they plan for their family.
If you've been feeling stuck, you're not alone, and it's never too late to learn.
📅 Our next free workshop is 10/27/26 at 11 AM PST, 5PM PST & 7 PM PST LOCATION is ONLINE. Spots are limited!
DM to👉 Register

10/26/2026

You wouldn't build the roof before the foundation, right? 🏠
But many of us try to invest or chase big goals before the basics are solid.
Like building a house, you should start with a solid financial foundation and build it from the ground up. 🏠💚
Here are the 4 layers, in order:
1️⃣ Protection. Have proper protection in case of disability, health problems, or premature death.
2️⃣ Debt Management. Reduce your liabilities and work toward getting out of debt.
3️⃣ Emergency Fund. Set aside at least 3 to 6 months of income for sudden job or business changes, accidents, or unexpected repairs.
4️⃣ Investment. Save and invest for the long run.
Why start with protection? If you save a few hundred dollars a month but have no insurance, one illness or disability can wipe out that savings quickly. And if all your money is tied up in investments when an emergency hits, you may have to take on more debt.
A strong foundation builds a sturdier, more enduring financial house, one that is still standing when the storms of life strike. ⛈️🏠
Which layer are you working on right now? 👇
💾 Save this post. Want to learn more? Join my free financial education workshop: wsbcampaign.com/jacquelyns

10/26/2026

🚫 MYTH: "As long as I make the minimum payment, I'm okay."
✅ FACT: Minimum payments are designed to keep you paying for a long time. A big part of each one often goes to interest, so the balance barely moves.
The good news? You don't have to be perfect to get ahead. Even a small extra payment, aimed at the right debt, can change the timeline.
Want to see how it works? In my workshop, we map out a simple plan, step by step.
👇 Comment "DEBT" and I'll send you access to our FREE workshops.

10/25/2026

That daily $5 coffee? I'm not telling you to give it up. ☕
I'm saying: know what small amounts can become over time.
Small, steady amounts add up, especially when you start early and stay consistent. You don't need a big windfall to begin. You need a plan and a habit.
Try the free WSB Savings Calculator and see what a small monthly amount could grow to under different assumptions. 👇
🔗 SAVINGS CALCULATOR – WSB
What's one small thing you could set aside this month?

10/24/2026

Nobody sat me down and explained money in plain English, and I'm guessing nobody did that for you either. That's why we teach free financial education workshops right here in the Central Valley.
No jargon. No pressure. Just simple steps you can use this week.
Over the next few weeks I'll be sharing the tips I teach most often. Follow along, and tell me below: what's one money question you wish someone would just answer?

Address

17395 S. Manthey Road
Modesto, CA
95330

Opening Hours

Monday	10am - 5pm
Tuesday	10am - 5pm
Wednesday	10am - 5pm
Thursday	10am - 5pm
Friday	10am - 5pm

Telephone

(209) 823-8698

Website

http://www.rosemariesy.com/

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