JP Wealth Advisors

06/02/2026

June is a smart time to check in on the money habits you’ve built so far this year. Poor financial habits can quietly derail savings, increase debt, and limit future options, but small changes can help you get back on track before year-end.

Build a budget: Track income and expenses for at least 30 days to see where your money actually goes.
Automate savings: Set up payday transfers so you are saving before the money can be spent.
Face debt directly: Review balances, terms, and interest rates so you can prioritize repayment strategically.
Small habit changes today can reshape your financial future. Here’s where to start:

The first step in addressing poor financial habits is recognizing that meaningful change begins with individual actions.

05/26/2026

Do you have leftover 529 funds? You might get money back penalty-free under these circumstances:

🎓 Scholarship recipient
🎖 Military academy attendance
🔁 Roll 529 funds into a Roth IRA (up to $35K)

See all the ways to avoid the 10% hit:

Learn how to withdraw 529 plan funds penalty-free for non-qualified expenses in specific situations, including scholarships, and manage your educational savings efficiently.

05/25/2026

In observance of Memorial Day, our offices will be closed today.

05/22/2026

REMINDER: JP Wealth Advisors will be closed on Monday, May 25th 2026.

05/19/2026

Retirement planning isn’t always one shared timeline. When spouses have different ages, work plans, or Social Security dates, income may need to be planned in stages. See how a phased approach can help:

I am eight years younger than my spouse. He retired at 61 and just took Social Security at 62. I left my full time job at the same time as his retirement, at 53, but I am still working in a part-time remote manner. When plugging in our figures into retirement calculators, they seem to […] The post...

05/12/2026

Worried about identity theft? A simple switch could help protect your credit.

Freeze vs. Lock: Both block new applications, but a credit freeze is free and federally protected. A credit lock offers similar protection, often with a fee and added identity theft features.

Set It and Leave It: A freeze stays in place until you lift it, and you can unfreeze quickly when needed.

Bonus Protection: You can also freeze your child's credit to prevent misuse of their information.

Not sure which option is right for you? This breakdown can help you decide:

Learn how a credit freeze and credit lock restrict access to your credit report, the key differences and when to use each type of preventive measure.

05/05/2026

Markets surged in April, but Middle East tensions and rising oil prices could shift the outlook. Is the rally built to last? Watch the latest Market Thoughts video from Commonwealth chief market strategist, Chris Fasciano, to find out:

With geopolitical risks swirling, how did markets and the economy fare in April? Find out in our Market Thoughts video from Commonwealth's Chris Fasciano.

04/28/2026

Are you accidentally planning for a retirement that's too short? New research says most Americans are. Here's what to consider:

Know the real numbers.The average 65-year-old woman lives to 87; a man to 84, and there's a 30–40% chance of reaching 90.
Longevity drives savings behavior.Those who expect a 30+ year retirement are twice as likely to save regularly compared to those who expect fewer than 10 years.
Aim for 15%.Including any employer match, that's the savings target, yet many short-horizon save just a fraction of what experts recommend.
Read the full breakdown so you can plan for the retirement you'll actually have:

Only 1 in 3 Americans can correctly identify how long a 65-year-old will typically live, and that has consequences for retirement savers.

04/21/2026

Grandchildren are one of life’s greatest pleasures. Here are eight ways to help them out financially without sacrificing your retirement savings. See how:

To give your grandkids money without clearing out your 401(k), considering saving for their education, or making them your life insurance beneficiary.

04/14/2026

For young investors navigating today's markets, it’s easy to feel uncertain. Financial Literacy Month is a reminder that the basics still matter. Choose budgeting, consistency, and long-term planning over reacting to short-term volatility. Learn more:

April is Financial Literacy Month, and experts say young people need help more than ever navigating uncertainty, rising costs and more.