Myra Ryan, CFP, CPA of Triple Crown Advisors KY

Myra Ryan, CFP, CPA of Triple Crown Advisors KY Financial Advisor, Ameriprise Financial Services, LLC
Triple Crown Advisors, a financial advisory practice of Ameriprise Financial Services, LLC

As a Certified Financial Planner™ (CFP®) and Certified Public Accountant (CPA), I bring a tax‑focused perspective to every stage of the financial planning process. I work to simplify complex decisions, uncover opportunities, and help clients keep more of what they earn. I focus on serving small business owners—supporting them as they grow, navigate transitions, and prepare for the future. This includes tax‑efficient strategies, key person and buy/sell planning, risk management, succession and exit planning, and other approaches designed to strengthen and protect a business at every stage. I also focus on working with physicians, dentists, and other medical professionals, helping them address the financial considerations that come with demanding careers. While these are my primary focus areas, I welcome anyone who is looking for thoughtful, comprehensive financial guidance. Whether meeting in person or virtually, I partner with clients across the country on tax and estate strategies, retirement planning, investment guidance, risk management, business continuity, and long‑term wealth preservation. My mission is to help you feel confident, supported, and in control of your financial future—so you can focus on the work and people who matter most. Please visit https://www.ameriprise.com/social for important rules and disclosures about how you and I can interact on social media.

Small business retirement plans lower taxes and keep employees happy—but minor administrative slip-ups can trigger costl...
09/18/2026

Small business retirement plans lower taxes and keep employees happy—but minor administrative slip-ups can trigger costly IRS fees.

Avoid these 4 common mistakes:

Late Payroll Deposits: Holding employee deferrals too long. Fix: Automate transfers right after each payroll run.

Excluding Eligible Staff: Overlooking part-time or seasonal workers. Fix: Audit eligibility quarterly.

Rigid Matching Rules: Locking into fixed matches during unpredictable revenue years. Fix: Choose flexible options like a SEP IRA.

Missing Notice Deadlines: Forgetting required annual safe harbor notices. Fix: Add 30-to-90-day alerts to your compliance calendar.

Partnering with a tax or plan professional can help keep your setup compliant and running smoothly.

Have you reviewed your plan timeline this year? Drop a comment below! 👇

https://www.ameripriseadvisors.com/myra.m.ryan/

Offering a retirement plan helps attract talent and strengthen employee retention. Finding the right fit depends on comp...
09/15/2026

Offering a retirement plan helps attract talent and strengthen employee retention. Finding the right fit depends on company size, administrative capacity, and budget flexibility.

Here is a quick overview of three popular options:

Traditional or Safe Harbor 401(k)

Fits best: Growing or established businesses with 10+ employees seeking high contribution limits and flexible plan design.

Key highlight: Allows both employee salary deferrals and employer matching, with options to add Roth contributions.

SIMPLE IRA

Fits best: Small businesses with 100 or fewer employees looking for an easy, low-cost way to offer retirement benefits.

Key highlight: Lower administrative demands than a 401(k), with required employer matching or non-elective contributions.

SEP IRA

Fits best: Self-employed individuals, micro-businesses, or companies with few full-time workers seeking contribution flexibility.

Key highlight: Funded entirely by employer contributions, allowing you to adjust funding amounts year-by-year based on cash flow.

Consulting a financial advisor helps ensure you select a plan that supports your business model and your team.

Which retirement option aligns with your current workforce strategy? Share your thoughts below! 👇

https://www.ameripriseadvisors.com/myra.m.ryan/

Picking a business structure shapes your taxes, personal liability, and daily operations. Here is a quick breakdown of t...
09/11/2026

Picking a business structure shapes your taxes, personal liability, and daily operations. Here is a quick breakdown of the main four options:

Sole Proprietorship

Pros: Easy, low-cost setup; basic personal tax reporting.

Cons: Personal assets remain exposed to business debts; harder to raise capital.

LLC (Limited Liability Company)

Pros: Protects personal assets; flexible management with simple rules.

Cons: Self-employment taxes grow with profits; requires state filing fees.

S-Corp

Pros: Helps reduce self-employment taxes through salary/distribution splits.

Cons: Strict limits on shareholders; more payroll and tax requirements.

Partnership

Pros: Shared resources and skills; simple pass-through taxation.

Cons: Full joint liability for partner actions; higher risk of internal disputes.

Consulting a legal or tax professional helps ensure you choose the model that fits your long-term plans.

Which structure did you choose when starting out? Let us know below! 👇

https://www.ameripriseadvisors.com/myra.m.ryan/

Planning for retirement isn't a one-size-fits-all formula. The amount you'll need depends on your unique story—your inco...
09/08/2026

Planning for retirement isn't a one-size-fits-all formula. The amount you'll need depends on your unique story—your income, ideal lifestyle, desired retirement age, and time horizon. Because your goals evolve over time, your financial strategy should too.

Here are 5 steps to help estimate your retirement savings needs:

Calculate potential income needs: Outline expected expenses and retirement activities.

Account for inflation: Factor in rising costs to protect your future purchasing power.

Include healthcare costs: Prepare for medical expenses, insurance, and care needs.

Use retirement calculators: Get a foundational estimate to see where you stand.

Review your plan regularly: Adjust as your life, goals, and priorities change.

I can partner with you to help determine a specific savings target and build a strategy tailored to your timeline.

Questions to ask your financial advisor:

How do my savings align with my target retirement age?

What strategies can help manage risk over time?

How can we adapt my plan if my goals change?

Ready to map out your strategy? Reach out today to start the conversation!
Learn more: https://www.ameripriseadvisors.com/myra.m.ryan

Planning for retirement doesn’t have to mean worrying about running out of money. 💡Annuities are long-term insurance pro...
09/04/2026

Planning for retirement doesn’t have to mean worrying about running out of money. 💡

Annuities are long-term insurance products that can help provide retirement income, tax-deferred growth, and other benefits depending on the contract.

Five common types include:

• Variable Annuities: Growth potential tied to market performance, with investment risk.

• Structured Annuities: Market-linked growth potential with defined downside protection, subject to contract terms.

• Fixed Indexed Annuities: Interest credited based in part on the performance of a market index.

• Fixed Annuities: A stated interest rate for a specified period.

• Immediate Annuities: Can provide income for a set period or for life.

The right strategy depends on your goals, risk tolerance, income needs, and overall financial plan.

What retirement income strategies are you currently exploring?

https://www.ameripriseadvisors.com/myra.m.ryan

Did you know? The beneficiary designations on your financial accounts typically take priority over the instructions in y...
08/25/2026

Did you know? The beneficiary designations on your financial accounts typically take priority over the instructions in your will.

If your account designations aren't up to date, your assets could unintentionally pass to the wrong individuals—even if your will says otherwise.

Whenever you update or create your will, review the primary and contingent beneficiaries on your key accounts:

Retirement plans: 401(k)s, IRAs, and annuities

Life insurance policies: Group and individual coverage

Bank & brokerage accounts: Transfer on Death (TOD) or Payable on Death (POD) accounts

As a financial advisor, I help clients review these important details as part of their broader financial and estate planning strategy, working alongside their estate-planning attorney when appropriate.

Have you checked your beneficiary designations recently? Reach out today to start the conversation!

Learn more: https://www.ameripriseadvisors.com/myra.m.ryan

Community involvement has always been an important part of who I am, both personally and professionally.I’m grateful for...
08/21/2026

Community involvement has always been an important part of who I am, both personally and professionally.

I’m grateful for the opportunity to give back through mentorship, professional organizations, and local service efforts. Whether it’s supporting future professionals through the Kentucky Society of CPAs and CFP Board mentorship or contributing to organizations like Nativity Academy at St. Boniface, these experiences have been meaningful reminders of the impact we can have when we invest in others.

I value the relationships built through these opportunities and the chance to continue learning from the people and communities around me.

Learn more: https://www.ameripriseadvisors.com/myra.m.ryan/

Financial planning isn't just about numbers—it's about the life you want to build.Every day, I work alongside clients to...
08/18/2026

Financial planning isn't just about numbers—it's about the life you want to build.

Every day, I work alongside clients to deliver forward-thinking financial solutions that transform lives. By looking at the complete picture, we cut through the noise and turn your biggest financial aspirations into clear, actionable steps.

Ready to make your goals a reality? Send me a message, and let’s talk about how tailored advice helps ensure you move forward with clarity and confidence.

Learn more: https://www.ameripriseadvisors.com/myra.m.ryan

A financial advisor is someone who helps individuals, families, and business owners navigate important financial decisio...
08/14/2026

A financial advisor is someone who helps individuals, families, and business owners navigate important financial decisions.

While investments may be one part of the conversation, financial planning often looks at the bigger picture—including goals, retirement planning, tax considerations, risk management, and other financial priorities.

My role is to help clients organize their goals, understand their options, and create a plan that reflects what matters most to them.

Learn more: https://www.ameripriseadvisors.com/myra.m.ryan/

My approach is built around ongoing conversations, regular progress reviews, and staying connected as your goals and cir...
08/11/2026

My approach is built around ongoing conversations, regular progress reviews, and staying connected as your goals and circumstances evolve. Together, we can revisit your goals, discuss progress, and review your overall financial picture through regular meetings that fit your needs—whether that’s in person, virtually, or by phone.

Every person’s financial journey looks different, and I believe the planning process should be flexible enough to grow with you.

Learn more: https://www.ameripriseadvisors.com/myra.m.ryan/

Address

12700 Townepark Way Ste 100
Louisville, KY
40243

Opening Hours

Monday 8am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Myra Ryan, CFP, CPA of Triple Crown Advisors KY posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Featured

Share

Category