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Bridge Wealth Strategies

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A Certified Financial Planner® Providing Retirees, Federal Employees & Business Owners with | Estate Planning | Life Insurance | Tax Management Strategies

Philip is an Independent wealth/life insurance advisor. He is continually living his core values of family first, fostering people relationships, and providing financial purposefulness to his clients. A Fee-Based Independent Financial Advisor and Certified Financial Planner® professional for more than 30 years, Philip’s objective is to make a difference in the lives of the clients he touches. With experience in corporate, retail, financial, and retirement planning. He provides fee-based services and develops strategies derived from unique individual circumstances, risk tolerance, and goals. And he’s backed by the knowledge, affiliations, and accreditation of a seasoned financial veteran. A graduate of Adelphi University with a Bachelor of Science degree, Philip continued his studies to attain his CFP® professional designation as well as Series 65 Registered Investment Advisor Representative. He’s a past board member of Life Services of the Handicapped, Inc., Disabled and Alone, a non-profit organization that helps families provide a secure future for their loved ones with a disability. He also participated with the National Association of Learning Disabilities and has been a trusted advisor to high net worth clients and their families. In his leisure, Philip enjoys golfing, fishing, traveling, reading—and spending time with his wife Judy, two children, and three grandchildren.

10/17/2026

A woman once told me:

"My husband always handled the finances. I never imagined I'd need to understand all of this on my own."

Her experience isn't uncommon.

Many women eventually find themselves making financial decisions independently, whether by choice or circumstance.

Planning ahead can help provide confidence and clarity for whatever the future may bring.

The goal isn't to predict every outcome.

It's to prepare thoughtfully for life's possibilities.

If you'd like to discuss whether your current plan provides the flexibility and confidence you're looking for, I'd be happy to help review your options.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/16/2026

One of the most interesting observations I've made over the years is this:

Many people spend decades focused on growing their assets.

Far fewer spend time thinking about how those assets will eventually be taxed.

Accumulating wealth is important.

Keeping more of it can be equally important.

Taxes don't disappear in retirement. In many cases, they continue to influence investment decisions, retirement income, Social Security benefits, Medicare premiums, and estate planning strategies.

That's why tax management is often less about finding a deduction this year and more about understanding how taxes may affect your financial life over decades.

A thoughtful strategy may help create flexibility, reduce surprises, and improve long-term outcomes.

If you'd like another perspective on whether your current approach considers lifetime taxes, not just this year's taxes. I'd be happy to discuss your situation.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/14/2026

A friendly reminder:

Opportunities don't always announce when they're leaving.

Many investors spend time worrying about market conditions.

Far fewer spend time considering future tax conditions.

Current tax rates have created planning opportunities that may not exist forever.

The challenge is that no one knows exactly what future tax laws will look like.

That's why many planning decisions are not based on certainty.

They're based on preparation.

Waiting until tax rates change may limit available options.

Exploring opportunities while they exist may provide greater flexibility down the road.

The future is uncertain.

Having a strategy doesn't eliminate uncertainty, but it may help you navigate it more confidently.
If you'd like to discuss whether today's tax environment presents planning opportunities for your situation, I'd be happy to help evaluate your options.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/12/2026

One of the biggest misconceptions in retirement planning is that tax-deferred accounts eliminate taxes.

They don't.

They postpone them.

A Retirement Investment Account can be an effective savings tool, but it's important to remember that tax deferral and tax elimination are not the same thing.

Every year taxes are deferred, the account may continue growing.

So can the future tax liability attached to it.

That's why retirement planning isn't simply about how much money is in the account.

It's also about understanding how future withdrawals may be taxed.

A large account balance may look impressive on paper, but what ultimately matters is how much of that money remains available after taxes.

The goal isn't to avoid retirement accounts.

The goal is understanding how they fit within a broader tax strategy.

If you'd like another perspective on how future taxes could affect your retirement assets, I'd be happy to review your current approach.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/10/2026

Business owners often work hard to earn income.

The question is:

Are you keeping as much of it as possible?

One of the most overlooked aspects of financial planning is not how much income you generate, but how much you keep after taxes.

For many business owners, the Qualified Business Deduction (QBD) may provide an opportunity to reduce taxable income and improve overall tax efficiency.

However, the rules can be complex, and eligibility may depend on factors such as income levels, business structure, and the nature of the business itself.

I've spoken with business owners who were focused on growing revenue, hiring employees, and serving clients, but hadn't taken the time to review whether they were making the most of the tax strategies available to them. In some cases, a closer look revealed opportunities they didn't realize existed.

Tax planning is not just about filing a return each year. It's about understanding the rules and identifying strategies that may help you keep more of what you've worked hard to earn.

If you'd like to explore whether your current tax approach is taking advantage of available opportunities, I'd be happy to discuss your situation.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:

🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/09/2026

A client recently told me he thought he was making a simple decision about when to claim Social Security.

What he didn't realize was that one choice could affect his taxes, increase his Medicare premiums, and reduce the amount of income he kept.

Like many retirees, he was looking at each decision separately. What he discovered was that retirement planning isn't about individual decisions. It's about how those decisions work together.

Many people view Social Security, taxes, and Medicare as separate parts of retirement planning.

In reality, they are closely connected.

The timing of your Social Security benefits can influence how much of your income is subject to taxes. Your taxable income can, in turn, affect your Medicare premiums. For some retirees, higher income may even trigger IRMAA surcharges, increasing healthcare costs.

What seems like a straightforward decision can create a ripple effect throughout your retirement plan.

That's why retirement planning is about more than choosing when to claim benefits or which account to withdraw from. It's about understanding how each decision affects the others and creating a strategy that works together efficiently.

If you're unsure whether your Social Security, withdrawal, and tax strategies are aligned with your long term goals, I'd be happy to review your approach and help identify opportunities or potential blind spots you may not have considered.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/07/2026

Women often spend years caring for everyone else, children, spouses, parents, and loved ones. In the process, it's easy to put personal financial planning on the back burner.

But who is helping ensure your financial future is protected?

Women frequently face unique retirement planning challenges. Many women take career breaks to care for family members, may spend fewer years in the workforce, and often live longer than men. As a result, retirement assets may need to support a longer retirement period.

Because women often live longer, lifetime tax planning can play an important role in helping retirement assets last. The way retirement income is structured and when assets are withdrawn, can have a meaningful impact on the amount of income available over time. Reviewing potential tax implications before and during retirement may help create greater flexibility and preserve more of what you've worked hard to save.

A thoughtful retirement strategy considers more than investment performance alone. It also takes into account income sources, healthcare expenses, legacy goals, and the potential impact of taxes throughout retirement.

If you'd like to discuss whether your retirement and tax strategies support your long-term goals, I'd be happy to help explore your options.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:
🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/05/2026

One conversation many families avoid is also one of the most important.

What happens if one spouse passes away first?

The surviving spouse may face emotional challenges, financial adjustments, and sometimes higher tax burdens.

Legacy planning isn't only about transferring assets. It's about helping the people you love navigate life after you're gone.

If you'd like to explore whether your current plan adequately protects your spouse and family, I'm happy to help review your options.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:

🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

10/01/2026

𝗦𝘁𝗼𝗽 𝗥𝗼𝘄𝗶𝗻𝗴. 𝗦𝘁𝗮𝗿𝘁 𝗦𝗮𝗶𝗹𝗶𝗻𝗴.

Financial planning is about more than investments.

It’s about coordinating retirement income, taxes, investments, benefits, estate planning, insurance, and risk management into a strategy designed around your life and your goals.

𝗠𝗲𝗲𝘁 𝘆𝗼𝘂𝗿 𝗮𝗱𝘃𝗶𝘀𝗲𝗿
𝐏𝐡𝐢𝐥𝐢𝐩 𝐓. 𝐏𝐮𝐫𝐩𝐮𝐫𝐚, 𝐂𝐅𝐏® is VP & Senior Wealth Manager with 𝐁𝐫𝐢𝐝𝐠𝐞 𝐖𝐞𝐚𝐥𝐭𝐡 𝐒𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬, 𝐚 𝐝𝐛𝐚 𝐨𝐟 𝐌𝐚𝐲𝐟𝐥𝐨𝐰𝐞𝐫 𝐀𝐝𝐯𝐢𝐬𝐨𝐫𝐬.
With more than 35 𝐲𝐞𝐚𝐫𝐬 𝐨𝐟 𝐞𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞, Phil helps individuals, retirees, business owners, and federal employees navigate retirement planning, wealth management, tax strategies, estate and legacy planning, insurance, and federal employee benefits.

𝗢𝘂𝗿 𝗔𝗽𝗽𝗿𝗼𝗮𝗰𝗵
Financial decisions don't happen in isolation.
𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬 𝐚𝐟𝐟𝐞𝐜𝐭 𝐢𝐧𝐜𝐨𝐦𝐞. 𝐈𝐧𝐜𝐨𝐦𝐞 𝐚𝐟𝐟𝐞𝐜𝐭𝐬 𝐭𝐚𝐱𝐞𝐬. 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 𝐚𝐟𝐟𝐞𝐜𝐭 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭. 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐞𝐬𝐭𝐚𝐭𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐚𝐟𝐟𝐞𝐜𝐭 𝐲𝐨𝐮𝐫 𝐟𝐚𝐦𝐢𝐥𝐲 𝐚𝐧𝐝 𝐥𝐞𝐠𝐚𝐜𝐲.

Our process is simple:
𝐔𝐧𝐝𝐞𝐫𝐬𝐭𝐚𝐧𝐝. 𝐂𝐨𝐨𝐫𝐝𝐢𝐧𝐚𝐭𝐞. 𝐏𝐥𝐚𝐧. 𝐍𝐚𝐯𝐢𝐠𝐚𝐭𝐞.

The goal is to help you move from uncertainty to greater clarity, direction, and confidence about your financial future.

Whether you're preparing for retirement, already retired, or looking to better understand your federal benefits, I'd welcome the opportunity to learn more
about your goals.

📅 𝗦𝗰𝗵𝗲𝗱𝘂𝗹𝗲 𝗮 𝗰𝗼𝗺𝗽𝗹𝗶𝗺𝗲𝗻𝘁𝗮𝗿𝘆 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻:

🗓️ calendly.com/philip-purpura
📞 516-652-8561
📧 [email protected]

09/29/2026

Most people review their investments periodically. They check account balances, monitor market performance, and make adjustments when necessary.

What often gets overlooked is the bigger picture. A retirement strategy involves much more than investments alone. Tax planning, withdrawal strategies, Social Security decisions, Medicare considerations, estate planning, and changing financial goals all play important roles in shaping long-term retirement outcomes.

Over time, life circumstances can change. Retirement dates may shift. Family priorities may evolve. Tax laws and financial regulations may be updated. Market conditions can create new opportunities or expose areas that may require attention. A strategy that was appropriate five years ago may not fully reflect today's realities.

That's why periodic reviews can be valuable. They provide an opportunity to evaluate whether all the pieces of your financial plan are still working together and whether your strategy remains aligned with your objectives. Even small adjustments today may help improve flexibility and confidence in the years ahead.
Retirement planning is not a one-time event, it's an ongoing process that should evolve as your life and circumstances change.

If you'd like another perspective on your retirement plan, I'd be glad to help identify opportunities, address potential gaps, and discuss whether your strategy remains aligned with your long-term goals.

📞 𝟱𝟭𝟲-𝟲𝟱𝟮-𝟴𝟱𝟲𝟭 | ✉ 𝐩𝐡𝐢𝐥@𝐦𝐲𝐛𝐫𝐢𝐝𝐠𝐞𝐰𝐞𝐚𝐥𝐭𝐡.𝐜𝐨𝐦

Address

68 South Service Road, Suite 100
Melville, NY
11747

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+15166528561

Website

https://mybridgewealth.com/, https://mybridgewealth.com/contact/, https://www.instagram.com/bridgewealthstrategies/

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