Melanie Milam of Gateway Financial Partners

09/08/2026

Balancing Today vs. Tomorrow

• Your current income sets today’s tax bracket
• Future withdrawals can push you higher later
• Coordinating both may reduce surprises at tax time

Thinking ahead can help you manage what you keep over the years.

Have questions or want to talk through your situation? I’d be happy to help!

(432) 689-9600
[email protected]

09/07/2026

Labor Day is an opportunity to recognize the dedication and contributions of hardworking people everywhere.

We hope you enjoy a well-earned day of rest, reflection, and time with family and friends.

08/24/2026

Original Medicare typically doesn’t provide coverage outside the United States.

If international travel is part of your retirement plan, consider supplemental insurance that includes emergency care overseas.

08/20/2026

Legacy isn’t just about money, it’s about meaning. This article shares insights on how to build a purposeful, lasting impact.

https://www.forbes.com/councils/theyec/2020/12/14/the-art-of-building-a-legacy/

The legacy is in the work, rather than just in the outcome.

08/17/2026

Retirement planning isn’t about making giant leaps, it’s about consistent steps in the right direction.

08/10/2026

Before stepping away from work, take time to think through how you want to spend your time in retirement.

Whether it’s volunteering, traveling, starting a new hobby, or simply relaxing: you deserve a plan that reflects your vision.

08/05/2026

Retirement relocation is about more than just sunshine.

Ask yourself:
• Will I pay more in taxes?
• How far am I from good medical care?
• What will travel look like to visit family?

07/30/2026

Housing is often one of the largest retirement expenses.

Whether you're planning to age in place or make a move, it's worth understanding how those choices fit into your retirement strategy.

https://www.morningstar.com/retirement/how-housing-choices-affect-your-retirement-plan

Deciding where to live in retirement is more than a financial decision, says author Mark Miller.

07/27/2026

Calculated using years of service, age, and salary.

Chevron’s retirement plan uses a specific formula to determine your pension benefit. The primary factors are:

1. Years of Service: Total eligible years worked at Chevron

2. Highest Five-Year Earnings:
Average of your top five consecutive years of pay (base + CIP)

3. Age at Benefit Start: Determines if benefit is reduced (early) or increased (late)

4. Social Security Offset:
Benefit is reduced based on your Social Security earnings

5. IRS Segment Rates:
Used to calculate lump sum value (varies monthly)

07/22/2026

Leaving Chevron is more than a job change, it’s a life shift.

And you deserve to navigate retirement with clarity and confidence.

432.689.9600
[email protected]