Truckee Financial Group

05/25/2026

05/04/2026

Reasons to hire a financial planner:

- you own a business
- you don't have time
- you pay a lot in taxes
- you have equity comp
- your finances are complex
- you do not want to do it yourself
- you don't get done what needs to get done
- you & your spouse can't get aligned on decisions
- you are anxious & unsure you are doing the right things

10/10/2025

How much ordinary income will an early retiree need to pay a 10% effective (average) federal income tax rate in 2025?

Single: $71,300
Head of Household: $100,200
Married Filing Jointly: $142,600

How about a 20% effective federal income tax rate?

Single: $233,200
Head of Household: $268,700
Married Filing Jointly: $466,300

Looking at real math can ease fears about retirement tax planning.

10/02/2025

5-Points That Explain This Confusing Market....

First, the labor market. Clearly weakening, private payrolls lost 32,000 jobs in September.

Second, inflation. Not crazy high, but it's 3% when 2% is the target and it's accelerated for four months straight.

Third, the economy overall, slowing. Consumer spending is softening, GDP came in at just 1.5%

Fourth , stock evaluation. We're at levels we haven't seen since the dot-com bubble. With those four metrics you'd expect stocks to be under pressure. 

Fifth - is the kicker. Corporate earnings are actually holding up, companies are cutting costs and improving efficiencies. They're buying back stocks and flexing pricing power and as along as earnings stay strong, stocks can defy the slow down.

Question is, can earnings continue to hold up if the economy continues to weaken?

Let me know your thoughts.

09/26/2025

The life insurance industry has evolved. Living benefits let you use a portion of your death benefit today—if you face critical, chronic, or terminal illness—for medical expenses or long-term care. 🏥💵

09/23/2025

Social Security started in 1935 under President Roosevelt. The first recipient, Ida May Fuller, paid just $22.54 per check and received $22,888.92 by the time she passed away at 100! 💡

09/21/2025

Social Security COLA for 2025 is officially 2.5%! 💸
This small increase affects your monthly payout—plus, potential long-term changes could impact future benefits. Stay informed and plan ahead.

09/18/2025

Maximize benefits for your spouse! 💑💰
If the higher earner delays Social Security until 70, their full payout passes to the surviving spouse. Plan smart, secure more for your loved one.

09/16/2025

When should you take Social Security? ⏳💰

Delaying your benefits past full retirement age can boost your payout by 8% per year. Over 3–4 years, that’s a potential 32% increase! Consider your family longevity and plan wisely.

09/14/2025

Want to claim Social Security at 62? 💡
If your earnings are over $23,400 , your benefits could be reduced. For every $2 you earn above the limit, $1 is reduced from your Social Security payout. Know the rules before claiming early!