NCM Capital Management

07/09/2025

🧠 Before You File for Social Security, Talk to Your Advisor 💬

Filing without a plan could cost you thousands. Here’s why a quick conversation makes a big difference:


📅 Timing Is Critical
Filing early can reduce your benefits by up to 30%.
Waiting may significantly increase your monthly payments.
The ideal timing depends on your personal goals and finances.


🔎 Avoid Irreversible Mistakes
Spousal and survivor benefits have specific filing rules.
Working while collecting can lead to withheld payments.


📊 Maximize Your Lifetime Income
Advisors help you coordinate Social Security with other income sources.
Smart planning can reduce taxes and increase total retirement income.
A custom strategy may help your money last longer.


🧭 Get Personalized Guidance
Social Security is a one-time, important decision.
We provide our clients with clear, customized advice.

Call now to connect with business.

06/17/2025

Today's blog - 5 important investing lessons to heed in 2025!

We are just about halfway through 2025 and there are already so many lessons for investors to take away from the global economic and market events. If you want to achieve financial independence sooner, read on for mistakes to avoid in your investing and planning…

06/12/2025

What a great event by the Bergen County Estate Planning Council last week held at The Ridgewood Country Club- we were happy to be a sponsor!

02/06/2025

NCM Tax Tip:

Maximize Your 2024 Tax Planning Even Now with a Spousal IRA Contribution 🏦💰

A Spousal IRA allows a non-working spouse to contribute to an IRA using the working spouse’s income. This is a great way to boost retirement savings and take advantage of tax benefits!

Key Benefits:
🆙 Higher Savings Potential – Contribute up to $7,000 per spouse ($8,000 if 50+). 📈
💵 Tax Advantages – Traditional IRA contributions may be tax-deductible, while Roth IRAs offer tax-free withdrawals. 🏡
🔒 Financial Security – Helps non-working spouses build retirement assets. 👨‍👩‍👧‍👦
✅ Simple Eligibility – Must file jointly, and the earning spouse’s income must cover both contributions. 📑
📌 Don’t miss this opportunity—start contributing to a spousal IRA today and secure your future! 🚀

01/14/2025

💼 NCM Tax Tip: Unlock Your 401(k) Potential!

Did you switch jobs recently and still have a 401(k) with a prior employer? 🚀

Here’s a smart move: If you're rolling those funds into a rollover IRA, don't forget to ask about AFTER-TAX contributions! Why?

✅ After-tax contributions can be moved to a ROTH IRA, which grows tax-free 💸.
✅ Withdrawals during retirement are TAX-FREE! 🏖️
✅ Bonus: ROTH IRAs aren't subject to pesky Required Minimum Distributions (RMDs)! 🎉

Make your money work smarter for your future. Have questions? Drop us a comment or DM—NCM is here to help! 💼📊

01/08/2025

NCM Tax Tip:

💡 Unlock the TAX-SAVING POWER of a Health Savings Account (HSA)! 💡

✅ Tax-deductible contributions – Save more on taxes while planning for your healthcare needs.
✅ Tax-free growth – Watch your savings grow without worrying about taxes.
✅ Tax-free withdrawals – Use your funds for qualified medical expenses without paying a dime in taxes.

Can you fund an HSA?
If you are covered by a qualifying High Deductible Health Plan (HDHP) you can!

💰 Start maximizing your healthcare savings today by funding an HSA – the only type of account with triple tax benefits that even high-income families can take advantage of!

12/23/2024

Year End Blog... New Year's Resolution: Master Your Finances and Focus on Strategic Growth Over Quick Gains

New Year’s Resolution: Master Your Finances and Focus on Strategic Growth Over Quick Gains December 16, 2024 As we step into the New Year, many of us are setting goals for better health, stronger relationships, and smarter finances. But as the harrowing account of what happened to  Richard Whitac...

10/16/2024

One of our advisors, Taylor Thomas CFP®, was interviewed and provided our TOP 10 Year-End Financial Planning Considerations - see a copy of the article below.

09/11/2024

We Will Never Forget!

08/05/2024

Will your portfolio last through retirement? Today we discuss the sequence-of-returns risk and what you can do to mitigate this risk.

We are often so focused on saving enough to achieve financial independence that we may fail to address the concern of how our portfolio will perform once we retire. Simply put, it's not only about how your assets are allocated and the average return of those investments over time, but also—importa...

06/25/2024

Are you thinking about buying an annuity? You should read this blog first....

Given the stock market volatility, increased lifespans, as well as the state of the world today--with inflation, geopolitical risks and political uncertainty here in the US, more and more individuals are looking for "guaranteed" sources of income. Pensions are being phased out and social security is...