Kingsview Partners - Josh Farley + Alisha Warren

09/10/2026

One percentage point can feel abstract. Here is what it looks like.

For someone earning $60,000, increasing a 401(k) contribution from 3% to 4% directs about $23 more from each biweekly paycheck into the account. That is $600 more over a year, before any employer contribution or investment return.

If the current contribution is below the level needed to receive the full employer match, that same increase may also unlock more employer money. The exact result depends on the plan’s formula.

Career changes, caregiving leaves, and uneven earning years can interrupt retirement saving. Contributing while income is available gives those dollars more time to work.

Ask Her’s Small Contributions, Big Possibilities FAQ explains how the match, tax choices, investments, vesting, and job changes affect a new 401(k).

What would one more percent look like on your paycheck?

09/07/2026

09/04/2026

A 401(k) can run for years on choices made during one rushed enrollment.

The contribution rate may still be the default. The investment may be the fund selected when you were hired. The beneficiary may reflect a life you no longer live.

National 401(k) Day is a reason to open the account and check what is actually happening inside it:

• How much of each paycheck is being contributed?
• Are you receiving the full employer match available to you?
• Where is the money invested?
• Who is named as beneficiary?

This September, Ask Her is answering the questions that matter at three different stages: getting started, making the plan work harder, and preparing to use the account in retirement.

Your balance tells you what is there. These settings help determine what happens next.

09/04/2026

On Monday, the markets will be closed, BBQs open, but smart money never takes a day off! 🔥

In observance of Labor Day, we’re taking a moment to honor the spirit of hard work and dedication that keeps our world turning (and our grills sizzling). Our office will be closed Monday and will resume normal business hours on Tuesday, September 8th.

09/03/2026

This event is open to the community. If you're interested in learning more about tax efficient giving for St. Mary's specifically OR any other non-profits you like to support, come on by.

08/27/2026

Planning a Roth conversion in a year you also owe a required minimum distribution? Order matters.

The RMD comes out first. Every time. That amount can't be rolled over or converted.

Once it's satisfied, you can convert additional pretax dollars. The converted amount generally lands in this year's taxable income, and it shifts more of your wealth toward assets that can grow tax-free.

That decision reaches past April: future RMDs, retirement income, and whether your beneficiaries inherit taxable assets or tax-free ones.

Before year-end, ask yourself: am I making this decision for this year's tax bill, or for the plan behind it?

08/27/2026

We tried to take a photo yesterday for National Dog Day. As always, it's nearly impossible for us all to take a good photo together because we can't stop laughing. We have such a great team and we have SO much fun together. It should also be noted we just celebrated our second anniversary with Kingsview last Sunday and we couldn't be happier with our decision to work in partnership with them.

08/26/2026

Since today is National Dog Day - we thought it would be fitting to post a picture of this happy guy to celebrate. Steve is our branch Furr-duciary and he's being chauffeured around in style.

08/20/2026

Four numbers worth knowing if you already have a trust.

$15 million: the 2026 federal estate and gift tax exclusion per individual.�
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$19,000: the 2026 annual gift-tax exclusion per recipient.�

10 years: how long many non-spouse beneficiaries have to empty an inherited retirement account.��

3 years: how long transferred life insurance can be pulled back into the insured's gross estate.

Each one can quietly change how your trust performs: its tax assumptions, its gifting provisions, who inherits your retirement accounts and how fast.

Your trust may not have changed. The rules around it have. When did you last review yours?

08/14/2026

Check out this crazy crew at the Chamber of Commerce Lemon Shake-Up Stand yesterday!