Bill Keesling

Bill Keesling As the father of a son with Autism, I understand how everyone has unique needs. My personal experie

Small steps today can help families feel more prepared for tomorrow’s education expenses.Consistent savings habits, open...
08/27/2026

Small steps today can help families feel more prepared for tomorrow’s education expenses.

Consistent savings habits, open family conversations about goals, and periodic reviews of your education savings strategy can all play a meaningful role in college planning. As priorities and costs change over time, revisiting the plan can help keep it aligned with your family’s needs.

Our team at First Then IFS invites families to revisit their education savings strategy and consider the next practical step toward future college costs.

Estate planning is not only about creating documents—it also includes keeping beneficiary designations current.Retiremen...
08/25/2026

Estate planning is not only about creating documents—it also includes keeping beneficiary designations current.

Retirement accounts, life insurance policies, and certain financial accounts may pass directly to the person named on the beneficiary form. After major life changes such as marriage, divorce, the birth of a child, or the loss of a loved one, it can be important to review those designations as part of your broader financial plan.

Because beneficiary decisions can involve legal and tax considerations, consult qualified legal and tax professionals where appropriate.

Add a beneficiary review to your financial planning checklist.

A Roth IRA or Roth conversion can be part of a retirement planning conversation, but timing and fit matter.Income, your ...
08/22/2026

A Roth IRA or Roth conversion can be part of a retirement planning conversation, but timing and fit matter.

Income, your current and expected future tax situation, your time horizon, and your retirement goals can all influence whether it is worth exploring. These decisions are personal and should be considered alongside the rest of your financial plan.

Discuss whether Roth strategies belong in your planning conversation with your advisor and tax professional.

Long-term investments can be central to a high-net-worth plan, but liquidity deserves equal consideration.Taxes, charita...
08/20/2026

Long-term investments can be central to a high-net-worth plan, but liquidity deserves equal consideration.

Taxes, charitable giving, real estate opportunities, business interests, family support, and unexpected needs may all require capital at specific moments. A thoughtful liquidity strategy can help households meet those needs without creating unnecessary pressure to sell long-term assets at an inopportune time.

Liquidity planning is not about holding everything in cash. It is about considering how accessible assets, cash flow, and long-term investments work together within a broader financial picture.

Review liquidity needs as part of a broader plan.

Employee benefits can do more than fill a line item in a compensation package. A thoughtful benefits strategy can help e...
08/18/2026

Employee benefits can do more than fill a line item in a compensation package. A thoughtful benefits strategy can help employers strengthen retention, support recruiting efforts, and give employees greater confidence in their financial well-being.

Retirement plans can help employees prepare for long-term goals. Life insurance can provide an added layer of protection for the people they care about. Health-related benefits can support day-to-day wellness and help employees feel valued at work.

When benefits reflect the needs of your workforce, they can contribute to a more secure, engaged, and loyal team.

Business owners: review whether your current benefits still fit your workforce.

Retirement income planning is not about predicting every future expense. It is about building a strategy that can adapt ...
08/15/2026

Retirement income planning is not about predicting every future expense. It is about building a strategy that can adapt as life changes.

Market conditions, inflation, healthcare costs, changing spending needs, and a longer retirement can all affect how your income plan may need to work over time. Flexibility can help you revisit priorities, adjust thoughtfully, and stay focused on what matters most to you.

If you are approaching retirement, we invite you to discuss your income strategy with our team at First Then IFS.

Tax planning is not just a December task.Late summer can be a helpful time to get organized before year-end deadlines ap...
08/13/2026

Tax planning is not just a December task.

Late summer can be a helpful time to get organized before year-end deadlines approach. Consider gathering tax documents, reviewing withholding, noting realized gains or losses, thinking ahead about charitable giving, and making sure your CPA has the information needed for a productive year-end conversation.

These topics are educational considerations, not tax advice. Every situation is different, and decisions should reflect your full financial picture.

Coordinate with your advisor and tax professional before year-end.

Life changes can be a good time to revisit your life insurance coverage.Marriage, welcoming a child, buying a home, star...
08/11/2026

Life changes can be a good time to revisit your life insurance coverage.

Marriage, welcoming a child, buying a home, starting or acquiring a business, changes in income, and approaching retirement can all affect the financial responsibilities and goals that matter most to you.

A coverage review is simply an opportunity to discuss what has changed and consider whether your current plan still reflects your circumstances.

Request a coverage review conversation with First Then IFS today.

Happy Fourth of July!Two hundred and fifty years of liberty is worth celebrating with everything you have got. Whether t...
07/05/2026

Happy Fourth of July!

Two hundred and fifty years of liberty is worth celebrating with everything you have got. Whether that means fireworks, family, or a mouth-watering backyard cookout, our team at First Then IFS hopes you have a patriotic and joyful celebration.

For high-net-worth individuals and families, wealth transfer is about more than simply passing down assets. It is about ...
06/24/2026

For high-net-worth individuals and families, wealth transfer is about more than simply passing down assets. It is about protecting your legacy and intentionally shaping your family’s wealth for the future. Effective planning requires foresight and coordination across every aspect of your financial life. Swipe to learn more.

Thoughtful wealth-transfer planning supports both financial continuity and the values that guide future generations. If you would like to explore how a tailored legacy planning strategy can support your long-term objectives, call us to begin a confidential discussion.

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92107

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