Chad Carlos - IAMS Wealth

Chad Carlos - IAMS Wealth Helping individuals, families, and business achieve financial freedom using creative solutions. I assist cliental goals, doing it the right way.

06/25/2025

🧠 Financial planning isn’t just about numbers—it’s also about clarity, control, and confidence.
I’ve worked with clients across the spectrum: business owners, high-income professionals, retirees, and young families. One thing is constant—those who thrive financially aren’t just the best investors... they’re likely the best planners too.
Planning goes beyond budgeting or picking funds. It’s about:
🔹 Structuring assets for tax efficiency—not just now, but decades from now
🔹 Anticipating life transitions and liquidity events before they happen
🔹 Stress-testing income plans against inflation, volatility, and long-term care
🔹 Building optionality so you’re not forced into bad decisions during bad markets
🔹 Coordinating estate, business, and retirement strategies into a unified direction
A good plan isn’t rigid—it evolves. But without one, even wealth can become a source of anxiety rather than peace of mind.
In a world full of noise, planning is your filter.
In a world of change, it can be your anchor.
And in your financial life, it may be the most valuable asset you own.

06/20/2025

Another impactful week at IAMS Wealth Management — helping clients organize, optimize, and plan ahead. 💼📈
Here’s how we supported clients this week:

✅ Consolidated and rolled over three 401(k)s into one streamlined IRA — simplifying oversight and aligning with long-term goals. Opening up the architecture from an investment standpoint.

✅ Built a future income distribution plan for a pre-retired couple — ensuring they can retire confidently, with predictability and peace of mind

✅ Analyzed sitting cash options for a retired couple — exploring money markets, structured notes to help conservative dollars work harder

✅ Assisted a business owner in setting up a SEP IRA — a powerful retirement strategy with major tax advantages, including:
• High contribution limits (up to 25% of compensation or $69,000 in 2024)
• 100% employer-funded — a benefit that rewards the owner and their employees
• Tax-deductible contributions — reducing taxable income while saving for retirement
• Flexible funding — contribute when cash flow allows, ideal for businesses with variable income
For entrepreneurs and small business owners, SEP IRAs can be a game-changer. If you’re not leveraging one, you could be leaving both tax savings and retirement growth on the table.

Let’s talk strategy.

06/18/2025

Still have an old 401(k) collecting dust? It might be time for an upgrade.

When you leave a job, your 401(k) doesn’t leave with you — but it should.
Rolling over an old 401(k) into an IRA can offer:
✅ More investment options – IRAs typically provide far more choices than 401(k) plans.
✅ Lower fees – Many IRAs have fewer administrative costs.
✅ Simplified management – Consolidating accounts means fewer logins, less paperwork, and more control.
✅ Professional guidance – An IRA gives you access to personalized advice, not just a menu of mutual funds.
I help clients take control of their old retirement accounts — so they're not out of sight and out of strategy.
Don't let your past job hold your future back.

📲 If you would like to review your options, Let’s connect.

06/16/2025

💡 DIY Investors? Make Sure You're Not Just TIRED... But Equipped. 💼📊

Many people believe they can take the DIY route when it comes to investing. And for some, that might be true.
But to succeed and maximize efficiency, you need to be more than just motivated—you need to be TIRED:

✅ T = Time
Do you have the consistent time to research, rebalance, and react to economic shifts?
✅ I = Interest
Are you genuinely interested in financial markets and investing principles—not just during bull markets, but always?
✅ R = Resources
Do you have access to the right tools, data, and technology that professionals use?
✅ E = Education
Do you understand the nuances of tax planning, asset allocation, risk management, and how to navigate uncertainty?
✅ D = Discipline
Can you remove emotion from your decisions and stick to your strategy when markets are volatile?

👉 According to Dalbar, the average DIY investor underperforms the S&P 500 by 3–5% annually, largely due to emotional decision-making and lack of strategy.
👉 Vanguard has shown that working with an advisor can add up to 3% in net annual returns, thanks to behavioral coaching, rebalancing, and planning.
🚫 Missing just one of these five attributes? DIY investing may cost you more than you think.
If you are a DIY investor and want to have a conversation to outsource, please feel free to reach out!

06/12/2025

Happy US Open Weekend! 🏌

⛳ Golf & Investing: It’s Not About the Perfect Shot

Ever notice how the best golfers don’t try to crush every drive?
They focus on consistency, patience, and course management.
Sound familiar?

Investing, like golf, isn’t won with one big swing.
It’s about:
✔️ Playing the long game
✔️ Managing risk (not avoiding it)
✔️ Staying calm after a bad hole (or a bad market day)
✔️ Trusting your strategy — not chasing quick wins

Even the pros have double bogeys. What separates them is how they recover and refocus.

My role is a lot like a caddie — helping clients navigate the course, avoid the hazards, and stay focused on the bigger picture.

📉 Markets will shift.
🌤️ Conditions will change.

But a steady hand (and a smart game plan) leads to success over time.

A closer look into some of the key topics we covered this week at IAMS Wealth Management ⬇️ 🔷 Inservice Distribution Req...
03/28/2025

A closer look into some of the key topics we covered this week at IAMS Wealth Management ⬇️

🔷 Inservice Distribution Request
- Client was eligible to take advantage of an in-service distribution (over 59.5) and plan allowed for it.
- Access to more investment options and more tailored approach.

🔷 Tax Planning Conversations
- Pre-tax account distribution strategies.
- Looking at Marginal vs. Effective tax rates and seeing impact on distribution amounts

🔷 Inherited IRA Distribution Questions
- Helped client with information regarding a new inherited IRA
- Discussed and educated on current rules, regulations, and strategies going forward.

🔷 Quarterly Rebalances
- Tweaks to allocations based on reviews, new considerations, goals, the list goes on.
- Bring new ideas to current portfolios and provide education on different types of investments.

It was a great week, filled with meaningful conversations. It’s always rewarding to see the difference a well-thought-out plan can make. Feel free to reach out to connect!



🚨 New IAMS Wealth Management HQ Office Update 🚨 We’re thrilled to give you a sneak peek into our future home! Our new of...
03/26/2025

🚨 New IAMS Wealth Management HQ Office Update 🚨

We’re thrilled to give you a sneak peek into our future home! Our new office space is coming together beautifully, and the build-out is in full swing!

Check out some behind-the-scenes photos of the progress. It's exciting to see a vision come to reality. Huge thanks to all that are involved. R&R Realty Group.

We are excited to share more as the build out continues, along with growth opportunities and hiring updates!

💠 New Office Address: 18881 West Dodge Road Suite 180E, Omaha, NE 68022 - The Waterford Building

Planning this week with IAMS Wealth Management 📆 Lets take a look 🔍 📊 Market Volatility - With continued market fluctuat...
03/14/2025

Planning this week with IAMS Wealth Management 📆

Lets take a look 🔍

📊 Market Volatility - With continued market fluctuations, we have been helping clients understand the impact on their portfolios and identify opportunities in turbulent times. Staying informed and adaptable is essential, along with open communication being 🗝️

🔷 Prospective Meetings - Had insightful conversations with potential clients, guiding & educating on navigating current conditions, retirement projections, tax advantages, social security options, & the list goes on.

📈 Structured Note Pricing - Exploring alternative investments looking at pricings. Things to consider: Structure, Tenor, Underliers, Coupon Rates, Barriers, etc.

💰 Options For Sitting Cash - For those with cash on the sidelines, we’ve been discussing effective options to put it to work without taking on unnecessary risk. Goals, liquidity need, taxation, etc. are all impact factors to consider.

Remember, Markets are far from linear 📈 . Please do not hesitate to reach out if you would like to chat!

03/06/2025

🌟 The Value of Holistic Financial Planning: Beyond Just Investing 🌟

I often speak to clients who understand the importance of investing. However, many overlook the power of holistic financial planning—the strategic approach that ties together all aspects of your financial life.

📈 Investing funds is certainly a key pillar of wealth management, but it is only one piece of the puzzle. Comprehensive financial planning ensures that every part of your financial picture works in harmony. Here’s why it matters:

🔑 1. Tailored Risk Management
Investing is about making your money work for you. But if it’s not aligned with your broader goals (such as saving for retirement, buying a home, or funding education), you could be taking on more risk than you need to. A holistic plan integrates insurance, estate planning, and tax strategies, helping you mitigate unforeseen risks while still aiming for growth.
📊 Example: According to a study by The National Bureau of Economic Research, individuals who work with an advisor on a holistic plan are 2.5 times more likely to feel "financially secure" than those who only focus on investing.

💡 2. Prioritizing Goals & Maximizing Wealth
Holistic planning goes beyond just growing your wealth—it’s about aligning your financial decisions with your life goals. For instance, setting up a tax-efficient retirement plan, structuring your debt to reduce interest, or even having a clear estate strategy can significantly boost your financial future. Without these elements, even the best investment portfolio may not serve you as well as it could.

📈 3. Tax Optimization
The reality is that how you invest affects your tax bill. By utilizing tax-advantaged accounts, structuring investments wisely, and incorporating tax-loss harvesting, a holistic financial plan can potentially save you thousands in taxes.
📊 Statistic: A Morningstar study found that proper tax planning can increase portfolio returns by as much as 1-2% annually, just through tax-efficient strategies!

🌱 4. Sustainable Long-Term Success
True wealth isn’t just about short-term gains. It’s about creating sustainable financial health for you, your family, your business, etc. Holistic financial planning integrates future needs, like college education for children, inheritance strategies, or a charitable giving plan—providing peace of mind for generations to come.

In short, investing wisely is crucial—but financial planning provides the comprehensive strategy that enables you to achieve your life's broader goals.

If you are wanting to look beyond investments and take charge of your comprehensive financial being, Let’s start the conversation!

🚨 A productive week at IAMS Wealth Management 🚨 Per usual, it pertains to many different types of conversations and scen...
02/28/2025

🚨 A productive week at IAMS Wealth Management 🚨

Per usual, it pertains to many different types of conversations and scenarios.

1️⃣ Considered and ran Structured Note options for clients.
▪️ Seeking a more conservative options for sidelined cash
▪️ Provides an attractive yield for income investors

2️⃣ Started preparation for 401k enrollment meetings for a new plan.
▪️ Meeting with companies HR representative to go over logistics, service, expectations, etc.

3️⃣ 403(B) rollover from a plan sponsored by client's state.
▪️ Call with client & representative of states plan
▪️ Went over again the proposed allocation when the funds are moved.

4️⃣ Tax Planning Season
▪️ Conversations with clients and often times their CPA.
▪️ Planning for both Business Owners & W2 Employees

If you are feeling overwhelmed, confused, or unsure about your personal finances - it is probably time to ask for financial help.

Myself along with the wonderful IAMS Wealth Management is here for you and we are here to help you navigate what may lie ahead.

Reach out for an intro conversation!

02/27/2025

The Power of Working with a Wealth Advisor and RIA: ⬇️

Many people wonder, “Do I really need an advisor? Can’t I just handle my investments on my own?”

While the DIY approach can seem appealing, research and studies prove that partnering with a financial advisor and Registered Investment Advisor (RIA) is often more efficient and results in better long-term outcomes.

Here are a few stats to consider:

🔑 Potential Higher Outcomes: A study by Vanguard found that working with a financial advisor can increase your portfolio’s return by up to 3% annually due to strategic planning, tax optimization, and behavioral coaching.

📊 Risk Mitigation: Advisors help diversify portfolios to balance risk, which reduces the chance of significant losses during market downturns. A study from Morningstar showed that managed portfolios outperform DIY portfolios in terms of risk-adjusted returns.

🕒 Time Saved, Peace of Mind: According to Schwab, investors working with advisors report increased confidence and less stress about their financial futures. Advisors handle the time-consuming work, so you can focus on what matters most to you.

Whether it’s creating a tax-efficient strategy, navigating complex retirement plans, or simply making smarter investment decisions, an advisor’s expertise can make all the difference.

Remember: Financial planning is a journey, not a one-time task. It’s about making informed, strategic decisions that align with your long-term goals.

If you’re ready to start planning or for a more secure financial future, let’s talk! 📈

⬇️ Planning this week with IAMS Wealth Management ⬇️ 🔷 Ran prospective client meeting with one of the prospects being fo...
02/21/2025

⬇️ Planning this week with IAMS Wealth Management ⬇️

🔷 Ran prospective client meeting with one of the prospects being focused on income.
▪️ Talked through utilizing different options: Dividend paying stocks, US Treasuries, CD's, customizing Structured Notes, Alternatives, etc.

🔷 Talked through consolidating accounts that were scattered over a vast amount of different firms & Custodians.
▪️ Much easier for the client to navigate and see all of there assets within their plan. Improved efficiency from a cost & investment option standpoint.

🔷 Act as advisor on record for Simple IRA plans
▪️ Met with client ahead of separation of employment for options
▪️ Met with client to go over options available to them as they just started their new role

🔷 Tax Document communication has been big this month. 📆
▪️ Letting clients know when they will be receiving 1099's & K1s.
▪️ Open communication with client's CPAs and accountants that they work with.

We are here to help with your investments, but we are also here to so much more when it comes to financial planning.

Reach out for a conversation if you're interested in seeing how we can help!

Address

14507 California Street
Omaha, NE
68154

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