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JMB Financial Managers, Inc.

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JMB Financial Managers, Inc.

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JMB Financial Managers is a comprehensive financial service firm located in Orange County, California.

10/28/2026

Nationwide's 2026 study surfaced three key lessons from parents:

- Not starting early enough.
More than 25 percent of recent retirees wish they had started sooner. Fifteen years of compounding early in a career can make a HUGE difference.

- Not raising the contribution rate as your income grows.
Thirteen percent of recent retirees wish they had contributed more to their savings each year.

- Claiming Social Security at 62.
More than a third of boomers plan to claim benefits the moment they become eligible, even though doing so cuts the monthly benefit by 25 to 30 percent for life.

According to the SSA, waiting past full retirement age adds 8 percent per year, up to age 70.

Across the research, three things seem to matter most:
1. Starting early
2. Getting an outside perspective rather than relying on instinct alone
3. Treating retirement as something that unfolds over decades rather than a single date on the calendar

Sources:
Nationwide Retirement Institute, February 3, 2026. https://tinyurl.com/2s3cupzd

SSA.gov, 2026. https://tinyurl.com/478fcdwr

Kiplinger, April 9, 2026. https://tinyurl.com/yxs3bpxc

10/27/2026

Would you know which documents you need if you suddenly had to make financial or medical decisions for an aging parent?

A durable power of attorney, healthcare proxy, advance directive, and POLST each serve a different purpose. Having the right documents in place ahead of time can make an enormous difference when a family needs them most.

Our latest blog explains what families should know and why planning ahead matters: https://jmbfinmgrs.advisorwebsite.com/blog/when-your-parents-need-you-be-adult

10/26/2026

Your child may already have a Trump Account. That doesn’t mean it’s set up.

The Treasury Department says automatic enrollment now covers every eligible child with a valid Social Security number. But a parent or legal guardian still has to formally activate the account, either at trumpaccounts.gov or through the program’s app.

Babies who are U.S. citizens with a Social Security number and were born between January 1, 2025, and December 31, 2028, may qualify for a one-time $1,000 government contribution once the account is claimed.

A few details families are weighing: Yearly contributions are capped at $5,000, though government and charitable contributions don’t count toward that limit. The money generally can’t be touched until a child turns 18, and earnings are taxed when withdrawn. That’s a key difference from 529 accounts, which grow tax-free but are limited to education costs.

Which account fits best depends on what a family is saving for, and that’s a conversation worth having with a financial professional.

Read More: https://tinyurl.com/3f8khafp

10/22/2026

How many years before you are ready to be “retired”?

It’s one of the most important numbers yet.

TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift.

According to Social Security Administration data:

-A 65-year-old man has roughly a 24 percent chance of living past 90
-A 65-year-old woman's chances are higher, closer to 35 percent
-For a 65-year-old married couple, there is about a 50 percent chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It’s that a retirement income strategy built around the “average lifespan” often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?"

Sources:
TIAA.org, 2026.
https://www.tiaa.org/public/institute/publication/2026/longevity-expectations-and-retirement-readiness
SSA.gov, 2026.
https://www.ssa.gov/oact/STATS/table4c6.html

10/20/2026

Knowing what to do during a market downturn can be very different from actually doing it.

AI can provide information, but a financial professional who understands your goals and circumstances can help you navigate decisions when emotions run high. Our blog explores why behavioral coaching matters.

Read more: https://tinyurl.com/yeyrexsd

10/19/2026

Taking a “big picture view” can help you make better short-term decisions that help you optimize your financial future. https://tinyurl.com/yeym23ne

10/08/2026

09/28/2026

Why do families put off estate conversations?

For some, it's believing there aren't enough assets to need one. For others, it's procrastination, confusion, cost, or simply feeling uncomfortable bringing it up.

Whatever the reason, waiting can make an already difficult conversation even harder.

Here are some practical ways to start the conversation with aging parents before a crisis makes it necessary: https://jmbfinmgrs.advisorwebsite.com/blog/when-your-parents-need-you-be-adult

09/26/2026

The retirement conversation couples avoid is often not about money.

It is about timing, identity, health, family, home, purpose, and what daily life will actually look like once work no longer provides the structure it once did.

A financial strategy matters. But so does making sure both partners have had an honest conversation about what they want retirement to feel like. Read more: https://tinyurl.com/ypknfkdc

09/24/2026

Here's the challenge: there's no deadline.

No law is expiring. No clock is ticking. Which is exactly why it's easy to put off reviewing your estate documents.

Trusts built years ago to capture a lower exemption before it disappeared may now be doing nothing useful or quietly creating new costs, like blocking a step-up in cost basis for your heirs. Beneficiary designations, powers of attorney, and named executors can all become outdated over time.

Sometimes it starts with one question over dinner: "When did we last look at this?" We're glad to help with the conversation from there.
https://jmbfinmgrs.advisorwebsite.com/blog/does-new-tax-law-impact-your-estate-strategy

Address

6 Hutton Center Drive, Suite 1280
Santa Ana, CA
92707

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+19492513544

Website

https://www.jmbfinmgrs.com/contact

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