Gibson and Gibson Licensed Financial Professionals, LLC.

Gibson and Gibson Licensed Financial Professionals, LLC. Your Life Insurance Specialist and Tax Experts dedicated to financial literacy and financial security

"Your trusted source for comprehensive life insurance solutions and expert tax guidance. With a wealth of knowledge and a commitment to financial security, we empower you to make informed decisions for a protected and prosperous future."

If you earned more than $150,000 in wages from your plan sponsor during 2025, your 2026 401(k) catch-up strategy may hav...
08/27/2026

If you earned more than $150,000 in wages from your plan sponsor during 2025, your 2026 401(k) catch-up strategy may have changed. 💡

Under current IRS guidance, eligible catch-up contributions generally must be made as Roth contributions when your workplace plan offers a Roth feature. That means those dollars are contributed after tax: not pre-tax: creating a mid-year planning pivot for high earners.

For 2026, the standard catch-up limit is $8,000. If you turn 60–63 this year, the limit may be as high as $11,250. ✨

What should you do now?
✅ Confirm your prior-year wages with the plan sponsor
✅ Ask how your plan is applying the Roth catch-up rule
✅ Review your payroll deferrals, tax withholding, and cash flow
✅ Coordinate your retirement contributions with your broader tax strategy

Don’t wait until December to discover your strategy needs an adjustment. A thoughtful review now can help you build with purpose and protect more of what you work so hard to earn. 💎

Rules and plan provisions vary. This is educational information, not tax or legal advice. Schedule a free financial analysis at GibsonLFPLLC.com.

Worried your college savings could become “trapped” if your child doesn’t use every dollar? 💡 There may be a 2026 safety...
08/25/2026

Worried your college savings could become “trapped” if your child doesn’t use every dollar? 💡 There may be a 2026 safety net.

Under current IRS rules, a 529 beneficiary may be able to move eligible funds directly into their own Roth IRA: subject to important limits:

✨ The 529 account must generally be open for at least 15 years.
✨ Transfers must be direct trustee-to-trustee.
✨ The rollover is subject to the annual Roth IRA contribution limit: $7,500 for 2026, or earned income if lower.
✨ The lifetime 529-to-Roth rollover limit is $35,000.
✨ Contributions made within the previous five years may be excluded from the eligible amount.

This isn’t a blank check, and details matter. But it can help turn unused education savings into a future retirement asset for the beneficiary. 💎

Review your plan with the administrator and a qualified tax professional before taking action. Want to understand how this may fit into your family’s broader strategy? Connect with Gibson & Gibson for a complimentary financial analysis.

08/22/2026

🎥 New My Carolina Segment!

I had the opportunity to return to My Carolina on CBS17 to talk about Back-to-School Without Breaking the Budget.

Back-to-school season can get expensive quickly, but preparing your children for a successful year doesn’t have to mean overspending. I shared a few practical ways families can prioritize what matters, shop with intention, and stay focused on the budget.

Remember: success isn’t determined by the brand on the shoes or the price of the backpack. ❤️

Watch the segment here:
https://youtu.be/7zJ9Vu0_yBc

Why wait for the reading of the will to begin transferring your legacy? 💡A will is an important part of an estate plan: ...
08/20/2026

Why wait for the reading of the will to begin transferring your legacy? 💡

A will is an important part of an estate plan: but it generally speaks after you’re gone. A living legacy strategy allows you to make intentional financial decisions during your lifetime, while you can guide, educate, and support the people you love. ✨

With thoughtful planning, families may be able to:
💎 Transfer wealth with greater purpose
💎 Protect the people and assets that matter most
💎 Teach the next generation how to manage money
💎 Create opportunities today: not just promises for tomorrow

Your legacy is more than what you leave behind. It’s also the wisdom, protection, and financial foundation you build while you’re here.

Don’t wait for a document to be read. Start building with purpose today. Contact Gibson & Gibson Licensed Financial Professionals, LLC for a free financial analysis and learn how lifetime transfer strategies may fit your goals.

Did you know 82% of adults say they wish they had learned about money way before the debt started piling up? 💡Most of us...
08/20/2026

Did you know 82% of adults say they wish they had learned about money way before the debt started piling up? 💡

Most of us spent our twenties learning the hard way that "I'll figure it out later" isn't a financial strategy. We look back and think, “If I only knew then what I know now!” But here’s the good news: while we can’t change our past, we can absolutely change the future for our kids. ✨

Breaking the cycle of the "High School Debt Regret" starts at home. Financial education is the greatest gift you can give the next generation. By teaching them about wealth building, tax-free strategies, and a healthy money mindset now, you’re giving them a head start we never had. 💎

You don’t have to be a financial expert to start the conversation: that’s what we’re here for! Let’s build with purpose and protect what you’ve worked so hard for.

Ready to create a roadmap for your family’s future? We offer a free financial analysis to help you and your loved ones get on the right track. Reach out today to get started! 🚀

Dr. Rita Renee | Gibson & Gibson Licensed Financial Professionals, LLC

If you own a home or run a business, this might be the biggest tax shift you didn't hear about. 👀The 2026 tax landscape ...
08/20/2026

If you own a home or run a business, this might be the biggest tax shift you didn't hear about. 👀

The 2026 tax landscape just dropped a major win: the State and Local Tax (SALT) deduction cap jumped from $10,000 to $40,000! For years, families were capped at deducting just $10K in property and state income taxes. Now, that ceiling is four times higher.

This extra capacity changes how you structure your entire wealth plan. 💡

Smart moves to consider now:
1️⃣ Revisit estimated payments. A higher deduction ceiling might mean adjusting your withholding strategy.
2️⃣ Redirect cash flow. Put that freed-up money into tax-free wealth-building tools instead of the government.
3️⃣ Business owners, take note. If you're an LLC or S-Corp owner, this opens up new planning opportunities for your personal return.

The key isn't just the deduction: it's making sure every dollar saved has a job to do in building your family's legacy. ✨

Tax strategy is wealth strategy. Let's make 2026 your most intentional year yet! 💎

Markets feeling like a roller coaster lately? 🎢When the economy gets shaky, it’s easy to feel like you’re losing control...
08/18/2026

Markets feeling like a roller coaster lately? 🎢

When the economy gets shaky, it’s easy to feel like you’re losing control of your hard-earned money. But what if you had a “Volatility Shield” to protect your family’s future? 🛡️✨

That’s exactly what IRS Section 7702 does! In simple terms, it’s a special rule that allows certain life insurance strategies to grow your wealth tax-free while keeping it safe from market drops. 💎

Why families love the Volatility Shield:
💡 Tax-Free Growth: Keep more of what you earn.
📉 Downside Protection: Your balance doesn't drop just because the market does.
💰 Accessible Cash: Use your money when you need it for life’s big moments.

You deserve financial peace of mind, no matter what’s happening on Wall Street. Let’s build your legacy with purpose and stop fearing the "what ifs." 🏡✨

Ready to shift your mindset and protect your wealth? Message us "SHIELD" to learn more!

Dr. Rita Renee | Licensed Financial Professional
Gibson & Gibson Licensed Financial Professionals, LLC

Starting a family business in 2026 feels a bit like a squeeze, doesn't it? 🍋 With costs rising, it’s easy to feel overwh...
08/13/2026

Starting a family business in 2026 feels a bit like a squeeze, doesn't it? 🍋 With costs rising, it’s easy to feel overwhelmed, but your dream is worth protecting. The secret to surviving the first 90 days isn't just about making sales: it's about building a fortress around your future. 🏰

The most important strategy you can implement right now is securing tax-free wealth structures. Why let Uncle Sam take a bite out of your legacy before you’ve even started? Shift your mindset from just surviving to thriving by focusing on strategies that protect your business and your family simultaneously. 💡✨

At Gibson & Gibson, we believe you deserve financial peace. We help families build with purpose through tax-free strategies and leadership coaching that keeps you in control of your money. Stop fearing the startup squeeze and start building your legacy today! 💎

Ready to fortify your first 90 days? Let’s chat for a free financial analysis. 📈

Dr. Rita Renee
Gibson & Gibson Licensed Financial Professionals, LLC

Generational wealth isn't just about the money you leave behind; it’s about the mindset you pass forward. 💡As we gear up...
08/11/2026

Generational wealth isn't just about the money you leave behind; it’s about the mindset you pass forward. 💡

As we gear up for a new school year this August, it’s the perfect time to pull up a chair and have those "dinner table conversations" that truly matter. Building a legacy means preparing the heir, not just the inheritance. ✨

Try these three topics tonight:

1️⃣ The "Why" Behind Wealth: Share your family values. Why do we work hard and save? It’s about creating freedom and the ability to help others.

2️⃣ Needs vs. Wants: With back-to-school shopping in full swing, help them understand the difference. It’s the foundation of a healthy budget!

3️⃣ Money is a Tool: Teach them that money shouldn't control them: they should control it. 💎

Shift your focus from just saving for them to teaching them how to build for themselves. Your money mindset matters more than you think! Start building with purpose today.

Dr. Rita Renee
Gibson & Gibson Licensed Financial Professionals, LLC
https://gibsonlfpllc.com/

Your extra effort just got a major boost! 💡With the 2026 'No Tax on Overtime' provision now in full effect, those extra ...
08/06/2026

Your extra effort just got a major boost! 💡

With the 2026 'No Tax on Overtime' provision now in full effect, those extra hours you’re putting in for your family are finally staying in your pocket: not Uncle Sam’s. This is a massive game-changer for building family wealth! 💎

Instead of letting that extra income vanish into daily expenses, imagine shifting it into a tax-free wealth strategy. By reinvesting your untaxed overtime pay into vehicles like life insurance or specialized wealth strategies, you aren't just working for today: you’re building a legacy for tomorrow. ✨

It’s time to stop letting money control you and start taking the lead. Your money mindset matters more than you think, and believing you deserve financial peace is the first step toward true independence.

Ready to see how much faster your wealth can grow with these new rules? Let’s chat about a free financial analysis to find the best path for your family. 🥂

Dr. Rita Renee, Gibson & Gibson Licensed Financial Professionals, LLC

Address

4801 Glenwood Avenue Suite 200
Raleigh, NC
27612

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 8pm
Saturday 9am - 2pm

Telephone

+19193080314

Website

Alerts

Be the first to know and let us send you an email when Gibson and Gibson Licensed Financial Professionals, LLC. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share