The Le Clair Bemis Miller Davis Group - Baird Private Wealth Management

09/04/2026

When should you start taking Social Security?

Claiming early can reduce your monthly benefit, while waiting may increase it, but the right choice depends on your health, work plans, and family situation. There’s no one‑size‑fits‑all answer. If retirement is on the horizon, a Social Security analysis can help you make a more informed decision.

Four key considerations for when to take your social security benefit.

08/24/2026

As retirement gets closer, Medicare becomes part of the planning conversation; often sooner than expected. Understanding how Medicare works and how enrollment decisions fit into an overall financial picture can help pre‑retirees feel more prepared and avoid unnecessary complexity as eligibility approaches.

Consider these factors when deciding which Medicare programs to participate in.

08/21/2026

A big congratulations to Grace Satori!

We are proud to celebrate Grace's successful completion of the CFP® examination. This accomplishment represents countless hours of studying, determination, and dedication to serving clients at the highest level.

Earning the CFP® certification is a significant professional milestone and reflects a deep commitment to comprehensive financial planning and ongoing professional growth.

Please join us in congratulating Grace on this outstanding achievement.

08/17/2026

Building a strong financial plan often starts with getting the basics in place. A solid financial foundation is less about complexity and more about having the right elements working together. Reviewing the list below can help you think through which building blocks you already have in place, and which ones may need attention over time.

Sustain financial well-being or create wealth through these actions.

08/14/2026

Some of the most meaningful relationships are built over time and close to home. We're grateful to be part of this community and the trust it places in us.

08/12/2026

Multiple investment accounts can make it harder to see the full picture. Consolidating accounts can help improve coordination across investments, manage risk more effectively, simplify required distributions, and support more tax‑efficient planning. Just as important, it creates a clearer view of your overall wealth and cash flow. For many investors, bringing accounts together is a step toward simpler, more confident financial planning.

More than creating convenience, consolidating accounts can help you mitigate taxes, better manage your cash flow and more.

08/07/2026

Traditional and Roth IRAs offer different tax advantages, and those differences can shape retirement income. Traditional IRAs may provide tax savings today, while Roth IRAs can offer tax‑free income and greater flexibility later. The right choice often depends on your future income needs and tax picture.

Which individual retirement account is right for you? It depends on your circumstances.

08/04/2026

Financial questions don't always require immediate answers, but they often benefit from another perspective. If you've ever wondered whether your current financial plan still reflects your goals, we'd be happy to talk.

Join us for a cup of coffee and a conversation. We'll listen, learn about what's important to you, and offer a thoughtful second opinion in plain language.

https://leclairbemismillerdavisgroup.bairdwealth.com/second-opinion

07/16/2026

Our team took a break today to celebrate a special milestone: Nancy's 15-year anniversary with Baird. Over the years, Nancy has helped clients, supported teammates, shared her knowledge generously, and contributed in countless ways to the success of those around her. Her experience, professionalism, and steady approach have made a lasting impact on our team. Congratulations, Nancy, on 15 years with Baird. We're grateful for the opportunity to celebrate this accomplishment and thankful for everything you do.

05/25/2026

Memorial Day is a powerful reminder that freedom is not free. Today, we pause to remember and honor the brave men and women who made the ultimate sacrifice for our freedom. May we never forget their courage, service, and selflessness.

Wishing you all a meaningful Memorial Day!