M&M Wealth Associates

09/21/2026

What happens to your 401k when you die? The answer is shocking.

Additionally, what happens to your taxable liability after your spouse passes away during retirement years? This surprises most retirees and most financial advisors don't talk about it enough.

does not charge for consultations, so use our link in bio to book your strategy session.

09/19/2026

Don't forget about Uncle Sam 🫣.
-Traditional 401k: Get the deduction today, pay taxes when you retire.
-Roth 401k: Pay taxes on your contributions today, get your money tax free when you retire

Which is better? It depends on several factors: age, filing status, income, tax bracket, current portfolio values, and more.

09/16/2026

Most people who are maxing their 401k stop there without realizing it may not be enough ❌

If you're making above $400K and you're thinking that's all you gotta do, you may be shooting holes in your retirement plan.

keywords: retirement planning, financial planning, 401k, Roth 401k, Roth IRA, high earners, financial education, financial literacy, maxing out 401k.

09/15/2026

Don't fire your CPA.. this is not tax advice.

09/14/2026

If you're maxing your 401k every year, you're doing something most Americans never do.

But for high earners, maxing your 401k may only represent about 6% of your income.

Financial planning guidelines suggest saving 15 to 20% for retirement. That means you could be saving less than a third of what you actually need, even while doing everything right.

There is also the tax problem. The market volatility problem. The income strategy problem. And the legacy problem.

We broke all of it down in our latest article.

Read it here: mmwealthassociates.com/maxing-your-401k

For informational and educational purposes only. Not financial, tax, or legal advice.

Maxing your 401k is a great start but for high income earners, it's rarely enough. Here's what's missing from your retirement plan.

09/03/2026

just an fyi

08/18/2026

If I ever disappear, you'll know why...

07/27/2026

More money requires more planning so ordinary planning will result in:
❌Paying more in taxes
❌More legal exposure
❌Less retirement income
❌Flawed generational wealth

So if you're a or earner, you should definitely have an that can guide you and be part of your team.

07/25/2026

Just wanted to share this with you guys 🙏🏻

07/24/2026

Did you lose money in 2007-2008? Unless you were following the ... everyone lost money 😭

But don't be mistaken, times when the market crashes should not deter you from the market which, believe it or not, is significantly riskier.