Clear Peak Financial

Clear Peak Financial Financial advisor, retirement planning, insurance

Notice an uptick in texts claiming unpaid tolls, fake DMV notices, or job offers that aren’t what they seem? Scammers ar...
10/31/2025

Notice an uptick in texts claiming unpaid tolls, fake DMV notices, or job offers that aren’t what they seem? Scammers are getting creative—learn how to stay one step ahead and be safe online.

Discover common schemes of 2025 and keep your information secure: https://bit.ly/gjkfiklsSO

We've seen lots of text scams — and more sophisticated phishing and malware scams — so far in 2025. Here are the top scams to know and how to stay safe.

You can’t add to your HSA after enrolling in Medicare—but you can still use it tax-free for premiums, copays & medical b...
10/30/2025

You can’t add to your HSA after enrolling in Medicare—but you can still use it tax-free for premiums, copays & medical bills. No time limit means you can reimburse yourself for past costs at any time. Learn strategies to maximize this benefit: https://bit.ly/wlktW

Your HSA can reimburse you with tax-free withdrawals even if your Medicare premiums are automatically deducted from your Social Security check.

Wealth isn't for flaunting—it's for growing across generations, and high earners use specific strategies to transfer it ...
10/29/2025

Wealth isn't for flaunting—it's for growing across generations, and high earners use specific strategies to transfer it tax-efficiently:

Strategic gifting: Use the annual gift tax exclusion (e.g., $19,000 per person in 2025) to transfer assets tax-free to multiple family members.
Fund education: Contribute to a tax-advantaged 529 college savings plan to cover educational costs and provide future financial freedom.
Family partnership: High-net-worth families can use a Family Limited Partnership (FLP) to transfer complex assets and potentially reduce future estate taxes.
Source: https://bit.ly/asggTu

Wealthy families risk losing millions without a plan. A CFP shares 3 smart wealth-transfer strategies to protect your legacy.

Ready to say "I do" to better retirement planning? Marriage impacts your IRA and 401(k) in significant ways you must und...
10/28/2025

Ready to say "I do" to better retirement planning? Marriage impacts your IRA and 401(k) in significant ways you must understand:

Roth eligibility: Your joint income could exceed the limit for Roth IRA contributions, so check your Modified Adjusted Gross Income (MAGI) to avoid penalties.
Traditional deductions: If you or your spouse has an employer plan, your ability to deduct Traditional IRA contributions may change based on income.
Beneficiaries: Your spouse automatically becomes the beneficiary on most employer retirement accounts unless they formally consent to another designation.
Source: https://bit.ly/asgyM

Getting married changes your IRA and 401(k) rules, from Roth IRA contribution limits to beneficiary designations. Learn how marriage affects your retirement accounts, tax filing, and financial planning, plus key steps to avoid costly mistakes.

High-deductible health plans (HDHPs) are everywhere, but are you maximizing your HSA's triple tax advantage?2026 limits ...
10/26/2025

High-deductible health plans (HDHPs) are everywhere, but are you maximizing your HSA's triple tax advantage?

2026 limits rise: Contribute up to $4,400 (individual) or $8,750 (family) with pretax dollars—plus $1,000 catch-up if 55+
Triple tax benefits: HSA contributions, growth, and withdrawals for qualified expenses are all tax-free, making them one of the most powerful savings tools available
Investment strategy: Save receipts and pay healthcare costs out-of-pocket to let HSA funds grow long-term tax-free
Source: https://bit.ly/jfeomlF

For high-income investors who are maxing out other tax-sheltered accounts, the high-deductible healthcare plan/HSA combo is close to a no-brainer.

Storing cash in Venmo, PayPal, or Cash App? This convenient habit puts your money at risk. Find out why, and discover sa...
10/25/2025

Storing cash in Venmo, PayPal, or Cash App? This convenient habit puts your money at risk. Find out why, and discover safer alternatives that protect your cash and earn interest: https://bit.ly/jfelojF

Keeping money in PayPal, Cash App, Venmo, or another P2P payment app puts your money at risk. Here’s why, and what to do instead.

October is Cybersecurity Awareness Month, a time to spotlight the ways scammers steal personal and financial information...
10/24/2025

October is Cybersecurity Awareness Month, a time to spotlight the ways scammers steal personal and financial information—but you don’t have to be spooked. From skimmers to sneaky emails, credit card theft is evolving, but so can your defenses.

Learn how to spot scams, protect your wallet, and stay secure at home and online: https://bit.ly/jlkekikijkSO

Don't let a scammer get a hold of your credit card number. Here's how to keep your account secure.

Even with the government shutdown, the annual Medicare Open Enrollment period is running from October 15th through Decem...
10/23/2025

Even with the government shutdown, the annual Medicare Open Enrollment period is running from October 15th through December 7th. Here’s what you need to know:

Don't rush: Experts advise waiting to finalize your 2026 coverage changes due to potentially slower information access caused by the shutdown, as even a last-day change is still effective January 1st.
Compare plans: You can switch between Original Medicare and Medicare Advantage, change Advantage plans, or select new Part D prescription coverage to ensure your doctors and medications are still covered at the best cost.
The stakes are high: Annual plan changes and rising costs mean a "set-it-and-forget-it" approach can be costly, as out-of-pocket health spending already represents a significant portion of the average beneficiary's Social Security income.
Source: https://bit.ly/vfejlwW

Medicare open enrollment, which lasts until Dec. 7, gives beneficiaries the ability to select health coverage for 2026. Here's what experts recommend considering.

https://bit.ly/fkosjTh
10/23/2025

https://bit.ly/fkosjTh

Notice something amiss on your credit report? Don't fret. This is how you can dispute any mistakes.

Even a government shutdown can’t stop tax season. Here’s what you need to know:File on time: If you requested an extensi...
10/18/2025

Even a government shutdown can’t stop tax season. Here’s what you need to know:

File on time: If you requested an extension, your Oct. 15 deadline still stands.
Expect slow service: Nearly half of IRS staff are furloughed, so responses may lag.
E-file still works: Online systems remain up and running for submissions.
Learn what’s open, what’s delayed, and how to stay penalty-free: https://bit.ly/hjjkkTu

The deadline to file taxes for those with federal extensions hits this week. Here's how the government shutdown affects it.

Sticking to a budget can feel like a chore, but it's the key to achieving your financial goals. Here are a few ways to g...
10/17/2025

Sticking to a budget can feel like a chore, but it's the key to achieving your financial goals. Here are a few ways to get started:

Know Your Money in and Out: Tally up all your monthly take-home income and expenses to figure out where your money is going.
Pick a Method: The 50-30-20 rule is a popular starting point (50% needs, 30% wants, 20% savings/debt).
Use Tools: From simple spreadsheets to budgeting apps, find a tool that helps you track your spending and holds you accountable.
Source: https://bit.ly/hvkjklfrweiuTu

Creating a budget that works for you is key to maintaining good financial health.

Your Health Savings Account can cover more than just doctor bills. From heating pads to dental visits, these tax-advanta...
10/16/2025

Your Health Savings Account can cover more than just doctor bills. From heating pads to dental visits, these tax-advantaged accounts stretch your healthcare dollars further. Here’s what you need to know:

• Think beyond co-pays: HSAs can pay for dental, vision, prescriptions—even items like bandages and sunscreen.
• Know the limits: Expenses like vitamins, toiletries, or cosmetic treatments don’t qualify.
• Plan ahead: Contributions roll over each year and can even be invested for future medical costs.

Source: https://bit.ly/jfkrlTh

Use your health savings account to cover these healthcare costs.

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63 S Washington Street, Suite A
Sonora, CA
95370

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Monday 8am - 4:30pm
Tuesday 8am - 4:30pm
Wednesday 8am - 4:30pm
Thursday 8am - 4:30pm

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+12096943929

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