Melanie Milam of Gateway Financial Partners

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Melanie Milam of Gateway Financial Partners

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Securities offered through LPL Financial, Member of FINRA/SIPC. Investment advice offered through Gateway Financial Partners a registered Investment Advisor.

Gateway Financial Partners and Gateway Wealth Partners are separate entities from LPL Financial. finra.org sipc.org

Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

10/29/2026

Medicare Open Enrollment runs October 15 – December 7.

This is your window to review coverage, make changes, or explore supplemental options.

Even small changes can affect your healthcare costs and your tax picture in retirement.

Need a second look at how Medicare fits into your financial plan? I’d be happy to help.

432.689.9600
[email protected]

10/26/2026

Today, we honor the brave men and women serving far from home, and the families who carry their absence every day.

On National Day of the Deployed, we recognize the sacrifice, commitment, and courage of those who answer the call to serve our country.

To all who are deployed, and to the loved ones supporting them from home, thank you for your service and sacrifice.

10/22/2026

A great investment can become a very large investment before you know it.

When one stock makes up a significant part of a portfolio, there can be more to consider than how well it has performed. Diversification, taxes and your overall financial picture all matter.

A century of data shows the stocks that just had their best run are the ones most likely to trail the market next. A CIO on the data, the psychology, and action.

10/19/2026

Did you know? Your Medicare Part B and D premiums aren’t fixed, they rise if your income crosses certain thresholds.

This Income-Related Monthly Adjustment Amount (IRMAA) can surprise retirees who draw too much in one year from retirement accounts.

Coordinating withdrawals may help manage both taxes and healthcare costs.

10/14/2026

Estate planning isn’t just about documents, it’s about shaping the future you want for your family.

Taking steps today can help provide clarity, direction, and confidence for tomorrow.

10/07/2026

Are you unintentionally leaving taxes to your heirs?

• Traditional retirement accounts may come with tax burdens for beneficiaries.
• Without planning, heirs could face higher tax rates than you do.
• Updating beneficiaries and exploring trusts can change the outcome.

Your estate plan should account for the tax impact.

Want to talk through your options? I’d be happy to help!

(432) 689-9600
[email protected]

09/30/2026

As 2026 winds down, this year’s Social Security changes are still worth paying attention to.

Updates to cost-of-living adjustments, benefit formulas, and income thresholds can continue to shape retirement planning decisions, especially for those preparing to claim benefits.

Understanding how these changes may affect your benefits, taxes, and overall retirement income can help you make more informed decisions about when to take Social Security.

Read more from Kiplinger:
https://www.kiplinger.com/retirement/social-security/changes-coming-to-social-security-in-2026

Big changes come to Social Security every year, impacting everything from the size of your benefit check to your full retirement age.

09/24/2026

Inherited an IRA? The rules around withdrawals may be more complex than you expect.

Under the 10-year rule, many beneficiaries are required to fully distribute an inherited IRA within 10 years. Depending on the original account owner’s age and the type of account inherited, annual required minimum distributions may also apply along the way.

Understanding the timing of these withdrawals can be important, especially when considering taxes and your broader financial plan.

If you’ve inherited an IRA, reviewing your options early can help you avoid surprises and make more informed decisions.

Read more from Kiplinger:
https://www.kiplinger.com/retirement/iras/ask-the-tax-editor-10-year-rule-for-inherited-iras

In this week's Ask the Editor Q&A, Joy Taylor answers five questions on inherited IRAs and the 10-year clean-out rule for nonspousal IRAs inherited after 2019.

09/21/2026

Each day brings new opportunities to take steps forward.

Whether in your personal, professional, or financial life, progress often comes from focusing on the decisions you make today.

09/17/2026

Retirement doesn’t mean retiring from taxes.

Here are 3 income sources that often catch retirees off guard:
Required Minimum Distributions (RMDs) – Mandatory once you turn 73 and taxed as ordinary income. Social Security benefits – Up to 85% may be taxable depending on your other income. Dividends & capital gains – Investment income can still tip you into a higher bracket.

These income sources don’t exist in isolation — one withdrawal can trigger higher taxes on another. Planning the sequence matters.

Want to talk through how these interact in your retirement plan? I'd be happy to help!

432.689.9600
[email protected]

Address

4305 N. Garfield Street Ste. 260
Midland, TX
79705

Telephone

+14326899600

Website

https://mygfpartner.com/melanie-milam-texas-financial-advisor-successful-retirement/

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