Confidence Wealth Management

10/15/2026

"Wait as long as you can" is common Social Security advice.

There's a ceiling on it.

Under current law, delayed retirement credits stop at 70. Delaying your claim beyond 70 does not earn additional delayed retirement credits.

Crystal Oculee took this one live on Money Confidence LIVE. The next episode takes on a different question: How do I prepare for long term care needs?

Wednesday, November 11 | 12:00 PM PT / 3:00 PM ET
RSVP link in the first comment.

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law.

Not affiliated with or endorsed by the Social Security Administration or any government agency.

10/14/2026

We're live. "When is the best time to turn on my Social Security?" — Episode 3 of Money Confidence LIVE starts now.

Crystal Oculee is taking questions in the Q&A. General questions only in the comments, please. Anything involving personal numbers, message the page and we'll follow up privately.

10/13/2026

Tomorrow at 12:00 PM PT / 3:00 PM ET: "When is the best time to turn on my Social Security?"

Crystal Oculee goes live with Episode 3 of Money Confidence LIVE: where the rules of thumb break down, what the claiming decision actually depends on, and your questions answered live.

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law.

Not affiliated with or endorsed by the Social Security Administration or any government agency.

10/07/2026

When is the best time to turn on my Social Security?

Everyone has a rule of thumb. Wait until 70. Claim at 62 and invest the difference. The problem is that every rule of thumb skips the part that actually decides the answer: how your claiming age interacts with the rest of your plan.

The month you turn on Social Security can change how much of your benefit is taxed, what you pay for Medicare, what your spouse receives later, and how hard your portfolio has to work in the meantime. Same question. Different circumstances. Different answers.

On the next Money Confidence LIVE, Crystal Oculee takes the question apart — where the shortcuts break down, and what to look at before you file.

Wednesday, October 14 · 12:00 PM PT / 3:00 PM ET | Live on Facebook and LinkedIn

--

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law.

Not affiliated with or endorsed by the Social Security Administration or any government agency.

10/05/2026

"When should I turn on Social Security?" is the wrong question — or at least, it's only half of one.

The full question is what claiming at that age does to your taxes, your Medicare premiums, your spouse's future benefit, and your portfolio. Crystal Oculee explains in 40 seconds.

Episode 3 of Money Confidence LIVE airs Wednesday, October 14 at 12:00 PM PT / 3:00 PM ET.

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law.

Not affiliated with or endorsed by the Social Security Administration or any government agency.

10/02/2026

"Should I take my pension as a lump sum or monthly payments?"

It looks like one decision. It isn't.

In Episode 2 of Money Confidence LIVE, Crystal Oculee ran that single question through four lenses: tax, investment, estate, and income planning, including two hypothetical households that face the same pension offer and reach opposite conclusions.

The full replay is now available:

https://youtu.be/QKcD52YeRBE?utm_source=facebook&utm_medium=social&utm_campaign=money-confidence-ep2&utm_content=fb_replay

Next episode: "When is the best time to turn on my Social Security?" Live Wednesday, October 14.

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law.

Should I take my pension as a lump sum or monthly payments? | Money...

09/29/2026

From Money Confidence Episode 2 live Q&A: if you roll a pension lump sum into an IRA, do you owe taxes right away?

Crystal Oculee walks through why the answer is generally no when the money moves directly into a traditional IRA, and how the 60-day window catches people who handle the paperwork themselves and never saw it coming.

Two minutes that could save someone a real tax problem. The full replay lands in this group first.

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law. See less

09/28/2026

If you needed $100,000 next year, which account would it come from?

Most people have an instinct about the answer. Fewer have worked through what that withdrawal does to the tax year around it, to the account they'd rather leave untouched, or to what eventually passes to their family.

Questions like this one are where the Confidence Wealth Insiders conversation lives. It's a moderated, educational community, and members bring good questions.

https://www.facebook.com/groups/858064027238058

General education, not individualized advice. Confidence Wealth Management, Inc. is an SEC-registered investment adviser. Registration does not imply a certain level of skill or training.

09/25/2026

One of the most common questions from Money Confidence LIVE Episode 2: is my pension guaranteed no matter what happens to my company?

Crystal Oculee 's answer is worth two minutes: there are guarantees in place, and there are limits to them. Knowing which applies to your plan is part of the election decision, not a footnote to it.

The full replay is coming to this group first. If someone you care about is weighing a pension decision, this clip is an easy one to send them.

Educational purposes only; not individualized investment, tax, or legal advice. Investment advisory services are offered through Confidence Wealth Management, Inc. ("CWM"), an SEC-registered investment adviser. Registration does not imply a certain level of skill or training. CWM does not provide legal advice. Tax results depend on individual circumstances and applicable law.

09/22/2026

RMDs don't ask whether you need the money.

Once you reach your RMD age (generally 73 or 75, depending on your birth year), the rules can require annual withdrawals from tax-deferred retirement accounts. Generally taxed as ordinary income, on top of everything else on the return.

Do you know what your first RMD year does to your tax bracket?

Rem breaks it down. Full 5 Gaps series in the comments.

This content is for educational purposes only and is not individualized investment, tax, or legal advice. All investments carry risk, including possible loss of principal.