Haley Wainio, CFP

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Haley Wainio, CFP

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Haley Wainio, CFP® | Partner, Wealth Advisor | Financial Planning | Investment Management | Tax Strategies

11/04/2026

At first glance, Social Security sounds simple: claim early or wait.

But that one choice can affect your monthly income for the rest of your life. And if you’re married, your decision could affect your spouse’s benefits, too.

Then add taxes, Medicare, longevity, and other sources of retirement income, and there’s a lot more to consider than just picking an age.

See how Social Security may fit into your bigger retirement picture: https://bit.ly/4qj5Pt6

11/03/2026

October brought a modest market decline, but market breadth was strong.

With seasonally bullish months ahead and signs of extreme pessimism, the stage could be set nicely for a rally. Read this week's market commentary for a closer look at what’s shaping the markets: https://bit.ly/4zyzRwP

10/31/2026

Investment strategy isn’t about finding a perfect answer. It’s about building an approach you can stick with.

Understanding your comfort level with risk can play a critical role in how portfolios are built, adjusted, and maintained over time. This quick quiz helps bring that into focus.

Get started here: https://bit.ly/4e2dl6S

10/30/2026

Have you heard of the widow’s penalty? When one spouse passes, the surviving spouse could be facing a higher income tax burden when transitioning to the Single filing status. This could also mean higher Medicare premiums.

The widow’s penalty is one of eight planning considerations every pre-retiree should be thinking about. Check out our full list here: https://bit.ly/4yJEzXg

10/28/2026

Business owners need a team. You know, those people in your corner helping you work ON your business while you work IN your business.

They’re the ones who can help you position your business for growth while also planning for a successful and profitable exit when you're ready to step away.

Ready to build that team for yourself? See who should be on it: https://bit.ly/4ip93aZ

10/26/2026

We’ve heard the complaints about lack of breadth in the market—too few stocks are driving recent rallies.

Well, now we have more breadth. But is it a good thing? Get our insights in the latest Market Commentary: https://bit.ly/4ByRC0C

10/24/2026

Whether college is years away or coming up fast, paying for it takes planning.

Our quick College Readiness Quiz can help you see where you stand financially and what you can do to get ready. Take the quiz and get access to our helpful College Expenses Checklist: https://bit.ly/3noZ50Y

10/23/2026

Pay taxes now or when you retire? A Roth IRA conversion lets you pay taxes on retirement savings today so you can withdraw that money tax-free later if you meet certain requirements. But whether that trade-off makes sense depends on your income, your tax situation, and when you’ll need the money.

Wondering if a Roth IRA conversion could fit into your retirement plan? Learn about the benefits, the costs, and why timing matters: https://bit.ly/4bK8zYt

10/21/2026

When you’re steeped in the day-to-day of running a business, it can be hard to find time to plan for an eventual exit. But there’s a lot to consider, including keeping taxes in check, ensuring a smooth transition, and making sure you have enough money to retire on your terms.

Weighing your options for a future exit? Learn about five common business exit planning mistakes and how to avoid them: https://bit.ly/3PUadP4

10/19/2026

Midterm elections are almost here. History suggests stocks could have more room to run, but much of this bull market’s strength depends on AI.

How is AI spending affecting corporate profits, bond yields, and inflation, and what could that mean for investors? Explore these trends in our latest Market Commentary: https://bit.ly/4i2qs9i

Address

989 W. Washington Street
Marquette, MI
49855

Telephone

+19062268711

Website

https://www.carsonwealth.com/team-members/haley-r-wainio/

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