Isa Abdur Rahman Financial Services

09/18/2026

Thinking about a prepaid debit card? Consider the pros and cons.

It's important to understand the pros and cons when considering a prepaid debit card.

09/18/2026

The amount you should consider should replace your income, cover debts, and fund future goals. Here is a simple guide to help you calculate this.

09/13/2026

Life insurance isn't just a death benefit, it's the reassurance knowing that your loved ones will have financial support, should anything unexpected happen to you.

09/11/2026

As an investor, you’ll encounter times when volatility picks up and markets cycle lower. But if you’re approaching retirement, you may need to consider how a down-market could impact your next chapter.

This short video illustrates the importance of understanding sequence of returns risk.

09/09/2026

The Treasury Department in January said more than a million people have signed up for Trump accounts. Are you eligible?

Trump Accounts (530A) can be a great way to set up your children or grandchildren with a head start on retirement. If you had a kid last year, or plan to have a kid in the next 3 years, taking the pilot money is a no brainer. I know I did.

After that step you have to consider what makes the most sense for your children and your family.

Here are 4 other ways you may want to consider giving to your kids future.

UTMA/UGMA. an UTMA is an account where you can gift a minor assets without setting up a formal trust. Withdrawals can be made on behalf of the kid, but they fully own the assets at adulthood. (An UGMA is an account limited to cash, mutual funds and equities, an UTMA can hold real property)

529 Accounts. 529 accounts are tax advantaged savings plans, with tax free withdrawals if used for higher education. There are also some newer applications with limits, including paying student loans and primary/secondary education. Secure 2.0 also allows up to $35,000 to be rolled over to Roth IRA if certain conditions are met.

Life Insurance. A juvenile life insurance policy allows you to build tax deferred cash value, have low locked in rates, and be able to have guaranteed insurability if health status changes later.

Owned in Trust. You can set up a trust that would have restrictions by age so that a kid doesn't get everything at 18. There are some expenses, but there are some protections here.

There are always so many tools available out there and they can all make sense in a financial plan. That's why it's so important to me that we educate our clients and make sure we build you a plan that aligns with your goals.

If you're a parent looking for a deeper dive or someone looking for where to give your $19,000/$38,000 gift exclusions message me and we can find a time to talk

#529

09/08/2026

Life insurance can help provide financial confidence for your loved ones if the unexpected were to happen. Help protect your family’s future by considering life insurance today.

09/04/2026

09/04/2026

The sooner you begin investing, the longer your money can work for you.

Procrastination can be costly. When you get a late start, it may be difficult to make up for lost time.

09/03/2026

One simply protects, the other may also build wealth. Most people choose without understanding how Term vs Whole Life actually works. Here is what you need to know.

09/01/2026

September 1st marks the first day of meteorological fall. It also marks the start of life insurance awareness month.

This month reminds us that it may be time to talk to your financial professional about life insurance. Whether you need to update your policy or find a new one, take this opportunity to learn more about your life coverage.

Several factors affect the cost and availability of life insurance, including age, health, and the type and amount of insurance purchased. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

Getting life insurance in place is something we always wish were taken care of yesterday, but say we only have time to take care of it at some undetermined future date. If you haven't yet added life insurance to your financial plan– or it's been a while since your last review– DM to schedule a free consultation session.