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Guanill Wealth Management At Guanill Wealth Management, we strive to provide our clients with the knowledge and tools to plan a more secure financial future.

Finish the year on purpose.Contributions to a workplace retirement plan come out of thepaychecks you have left in the ye...
10/17/2026

Finish the year on purpose.

Contributions to a workplace retirement plan come out of the
paychecks you have left in the year — and by October, there aren't
many of those left.

If you meant to increase your deferral this year, the window to
make it count is now measured in pay periods, not months. Two or
three adjustments at this point move a lot less than the same
decision made in February.

Worth a look at your most recent pay stub this week. It's a five
minute task that only gets less effective the longer it waits.



Medicare Open Enrollment: October 15 through December 7.Seven weeks, once a year, to review your coverage for next year....
10/16/2026

Medicare Open Enrollment: October 15 through December 7.

Seven weeks, once a year, to review your coverage for next year.

During the window you can switch between Original Medicare and
Medicare Advantage, change your Part D prescription plan, or move
between Advantage plans.

Here's the part people miss: plans change their drug lists,
networks and costs every single year. The plan that fit you last
year may not be the one that fits you next year — and if you do
nothing, you're usually renewed into whatever it became.

Read the Annual Notice of Change your plan sent you. That document
exists precisely to tell you what's different.



Generosity has a structure.Most people decide how much to give. Fewer think about how to giveit — and the method can mat...
10/16/2026

Generosity has a structure.

Most people decide how much to give. Fewer think about how to give
it — and the method can matter nearly as much as the amount.

Giving appreciated assets rather than cash. Bunching several years
of intended gifts into a single tax year. Directing a distribution
straight from an IRA to the charity.

Each one changes the tax arithmetic in a different direction, and
each one has its own eligibility rules.

The giving season runs on a deadline like everything else this
quarter. Worth planning before the calendar does it for you.

Guanill Wealth Management does not offer tax planning services.



Guanill Wealth Management is hosting a FREE community shred day on Sat. Sept 26 from 9am - 12pm.
09/25/2026

Guanill Wealth Management is hosting a FREE community shred day on Sat. Sept 26 from 9am - 12pm.

What holds it up when you step away?You planned for your retirement. Your business deserves the sameconsideration - tax-...
08/31/2026

What holds it up when you step away?

You planned for your retirement. Your business deserves the same
consideration - tax-efficient strategies for while you own it, and a
thoughtful plan for the day you don't.

Most owners know they need one. Far fewer have written it down.

Let's start with what you've built and work forward from there.

Your tax bill doesn't retire when you do.Projecting future tax liability - and building a strategy to minimizeit - is on...
08/30/2026

Your tax bill doesn't retire when you do.

Projecting future tax liability - and building a strategy to minimize
it - is one of the most controllable parts of a retirement plan.
Markets you can't control. Tax law you can't control. Your position
relative to both, you can influence.

It also shapes what your heirs actually receive, which is a
conversation more families should be having earlier.

Guanill Wealth Management does not offer tax planning services.

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Where your money sits determines how it's taxed - and when.TAXABLE - brokerage, savings, CDs. Taxed as it grows.TAX-DEFE...
08/27/2026

Where your money sits determines how it's taxed - and when.

TAXABLE - brokerage, savings, CDs. Taxed as it grows.
TAX-DEFERRED - 401(k), Traditional IRA. Taxed on withdrawal.
TAX-FREE - Roth IRA, Roth 401(k). Taxed going in, not coming out.

Most people retire with all three. Which bucket you draw from, and
in what order, can meaningfully change what you keep.

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Most people can tell you their rate of return.Far fewer can tell you their risk.Our Color of Money Risk Analysis shows y...
08/26/2026

Most people can tell you their rate of return.

Far fewer can tell you their risk.

Our Color of Money Risk Analysis shows you where your dollars
actually sit on the risk spectrum - before the market gets around to
telling you.

Complimentary. Takes minutes. Link in bio.




Allocation is a process, not a product.Asset allocation blends stocks, bonds, funds and more into a singleportfolio buil...
08/24/2026

Allocation is a process, not a product.

Asset allocation blends stocks, bonds, funds and more into a single
portfolio built around your risk tolerance, time frame and income
needs.

Asset maximization layers in what most models leave out - lifetime
after-tax income, and the tax implications of passing wealth on.

Same portfolio. Very different questions being asked of it.

(Chart shown is illustrative only. Allocations are built individually
and will differ.)





The same earnings record can produce very different lifetime incomedepending on one decision: the year you claim.AGE 62 ...
08/23/2026

The same earnings record can produce very different lifetime income
depending on one decision: the year you claim.

AGE 62 - earliest eligibility, at a permanently reduced monthly
benefit.
FULL RETIREMENT AGE - 100% of your calculated benefit.
AGE 70 - delayed credits stop accruing; the highest monthly benefit
available to you.

There's no universally right answer here. There's only the one that
fits your income plan, your health and your marital situation.

Worth running the numbers before you file, not after.

Address

333 University Avenue, Ste 200
Sacramento, CA
95825

Telephone

(916) 359-2750

Website

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