Jordan Cohne at Clarity Wealth Advisors

Directions Website Contact the business

Jordan Cohne at Clarity Wealth Advisors As a Financial Planner, I help people plan for financial security.

11/03/2026

Today is Election Day, and if history is any guide, a lot of people will wake up tomorrow wondering what the results mean for their portfolio.

In my experience, elections generate far more headlines than they do lasting changes to a well-built financial plan. Markets can get noisy in the short term, but over time they have tended to respond more to the economy, interest rates and corporate earnings than to which party controls Congress.

That doesn't mean elections are irrelevant. Policy changes can affect tax rates, healthcare costs and retirement rules, and those are worth paying attention to. But the time to adjust is when a law actually changes, not the morning after a vote.

I always tell clients that the best time to stress-test a plan is before you feel the urge to react. If your strategy only works when your side wins, it may be worth a second look.

A few things that matter more than the election results:

1. Your timeline and when you will actually need the money
2. Having the right mix of investments for your risk tolerance
3. Keeping enough cash on hand so you're never forced to sell at a bad time
4. Staying flexible on taxes as rules evolve

10/29/2026

Last week I covered how capital gains work. Today, let’s talk about what you can actually do about them.

In my experience, most people focus on what to sell. The bigger opportunity is often when and how you sell. Here are four planning ideas worth knowing:

-Tax loss harvesting. Selling investments at a loss can offset gains elsewhere, and unused losses can carry forward to future years. Just watch the wash sale rule.
-Tax gain harvesting. In a lower-income year, you may be able to realize gains at a 0% federal rate and reset your cost basis higher for the future.
-Step-up in basis at death. Inherited assets generally receive a new basis equal to their value at death, which can wipe out decades of built-up gain. Sometimes holding is the smarter move.
-Direct indexing. Owning the individual stocks in an index, rather than a single fund, can create more opportunities to harvest losses even when the market is up.

None of these is right for everyone, and they work best when coordinated with your income, potential roth conversions, and estate plan etc. With year-end approaching, now is a good time to take a look.

October is National Financial Planning Month, so it’s a good moment to ask a simple question: when was the last time you...
10/26/2026

October is National Financial Planning Month, so it’s a good moment to ask a simple question: when was the last time you looked at your whole financial picture, not just one piece of it?

Most people have a few pieces in place. A 401(k) here, a life insurance policy there, maybe a will drafted years ago. But in my experience, the real value of planning comes from connecting those pieces so they work together.

A few questions I always encourage people to ask themselves:

Do I know what I’m actually working toward, and when?
If my income stopped tomorrow, how long could my family maintain our lifestyle?
Are my beneficiary designations and estate documents up to date?
Am I making tax decisions year by year, or as part of a longer-term strategy?
Does my investment approach still match where I am in life?

You don’t need perfect answers to all of them. But if a few made you pause, that’s usually a sign something deserves a closer look.

Financial planning isn’t a one-time event. Life changes, tax laws change, goals shift. The plan should evolve right along with you.

So here’s my question for you: which of those five questions would you have the hardest time answering today?

10/23/2026

Your net worth looks great. But what is your cash doing?

Net worth is a snapshot: what you own minus what you owe at a single point in time. Cash flow is the motion: what comes in, what goes out, and what’s left over each month.

For Americans ages 45 to 54, median net worth sits at nearly $247,000.¹ But in my experience, a healthy balance sheet doesn’t automatically mean the month-to-month picture is working as well as it could.

I meet plenty of people who look strong on paper, with significant home equity, retirement accounts, or a stake in a business, yet still feel stretched every month. That’s because a net worth built on assets that are hard to access is very different from one supported by steady, flexible cash flow.

That raises a fair question. Is it ever worth sacrificing cash flow to build net worth?

Sometimes the answer is yes. Paying down a mortgage early, maxing out retirement contributions, or reinvesting in a business can all strengthen your long-term position while tightening things today. The key is making that trade on purpose, with enough liquidity to handle the unexpected, rather than discovering the squeeze after the fact.

Âą Federal Reserve, Survey of Consumer Finances

10/20/2026

One of the most common questions I get: “If I sell this, how much will I owe?”

The answer usually comes down to capital gains, and a few basics make a big difference.

A capital gain is the profit when you sell an investment for more than you paid. You’re taxed on the gain, not the full sale amount.
Timing matters. Hold an investment for one year or less and the gain is short-term, taxed at your ordinary income rate. Hold it longer than a year and it’s long-term, taxed at 0%, 15%, or 20% depending on your income.
Losses can help. Realized losses can offset gains, and unused losses can carry forward to future years.

In my experience, the biggest mistakes aren’t about the rules themselves. They come from selling without a plan, like triggering a large gain in a high-income year or overlooking how a sale can affect other things, such as Medicare premiums.

I've put together a deeper guide on how capital gains work and strategies to manage them. You can read it here: www.claritywealth-advisors.com/blog/capital-gains-taxes

Medicare Open Enrollment opens today and runs through December 7.Every year I talk with retirees who let their plan roll...
10/15/2026

Medicare Open Enrollment opens today and runs through December 7.

Every year I talk with retirees who let their plan roll over without a second look. I understand why. The mail piles up, the ads never stop, and the plan worked fine this year. But in my experience, “it worked last year” is one of the most expensive assumptions in retirement.

Plans change every year. Premiums, drug formularies, pharmacy networks, and provider networks can all shift, and your Annual Notice of Change is where those changes show up.

A few things worth knowing for 2027:

The Part D deductible is going up. The maximum standard deductible rises from $615 to $700, the largest percentage jump in the program’s history.
The Part D out-of-pocket cap is rising too, from $2,100 to $2,400 for covered prescriptions.
Some Part D premium subsidies are ending, which could mean higher premiums on standalone drug plans.
The official 2027 Part B premium won’t be announced until later this fall, so the full picture is still coming together.

There are several public and private resources available to help you make the best decision for your specific situation. Reach out if you'd like me to supply any additional information.

October is Breast Cancer Awareness Month – a time dedicated to education, prevention, and supporting research that benef...
10/13/2026

October is Breast Cancer Awareness Month – a time dedicated to education, prevention, and supporting research that benefits millions worldwide.

Early detection saves lives. This month serves as an important reminder about the value of regular screenings and staying informed about personal health.

Share a resource or organization that's making a difference in health education and research in our community! Together, we can help spread awareness that matters. đź’Ş

This Wednesday at 8:30am, the Social Security Administration will announce the 2027 cost-of-living adjustment.Current es...
10/12/2026

This Wednesday at 8:30am, the Social Security Administration will announce the 2027 cost-of-living adjustment.

Current estimates from The Senior Citizens League put it around 3.6%. On the average monthly benefit of about $2,086, that works out to roughly $75 more per month. For context, this year’s COLA was 2.8%.

But the headline number is only half the story.

In my experience, the figure retirees actually feel is the net change after Medicare Part B comes out of the check. The Medicare Trustees project the standard Part B premium rising from $202.90 to about $209.50 in 2027, and some forecasters expect it could come in higher. The official premium won’t be announced until November.

A few things I always tell clients to keep in mind:

A COLA is not a raise. It is designed to help you keep pace with costs you are already paying.
Higher earners should watch IRMAA. Your 2027 Medicare premiums are based on your 2025 tax return, so a large Roth conversion, asset sale, or bonus from last year can show up in next year’s premiums.
Your exact 2027 benefit will be in your COLA notice from Social Security in early December. That is a good time to revisit your budget and withdrawal plan, not just file the letter away.

Social Security is one piece of a retirement income plan. How it fits with your savings, taxes, and healthcare costs is where the real planning happens.

Will your future income keep pace with the life you are preparing for?In October, the Social Security Cost-of-Living Adj...
09/30/2026

Will your future income keep pace with the life you are preparing for?

In October, the Social Security Cost-of-Living Adjustment (COLA) for 2027 will be announced.

The annual adjustment is designed to help benefits keep up with inflation, but the same principle can be applied more broadly.

Your retirement income may need to be adjusted as your life, expenses, and priorities change.

Healthcare, insurance, travel, home maintenance, and support for family members can all affect the income you may need to generate.

Ask yourself:

▪️ Has your expected retirement spending changed?
▪️ Are certain future expenses rising faster than you thought?
▪️ Does your income strategy account for inflation?
▪️ Are you strategizing for the lifestyle that you budgeted for years ago?

A thoughtful retirement income strategy should evolve as your life and expenses change.

What would you tell your 25-year-old self about money?Getting insight from people who’ve been in your shoes can be power...
09/29/2026

What would you tell your 25-year-old self about money?

Getting insight from people who’ve been in your shoes can be powerful when you are young.

Here’s ours:

đź’ˇ Time is more powerful than timing.

At 25, it can feel like you have forever to start investing. But the biggest advantage you have isn't picking the perfect investment—it's giving your money more years to grow.

If we could go back, we'd say:

🔹 Start investing before you think you're "ready."
🔹 Build sound habits over chasing returns.
🔹 Lifestyle inflation is sneaky; don't let every pay rise become a spending rise.
🔹 An emergency fund isn't boring. It can help when you least expect it.
🔹 You don't need to know everything to get started.

What would you add?

Drop your best insight in the comments. Someone who's 25 today may need to hear it.

Address

448 Turnpike Street, Suite 1GA
South Easton, MA
02375

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm
Saturday 9am - 8pm
Sunday 9am - 8pm

Website

Alerts

Be the first to know and let us send you an email when Jordan Cohne at Clarity Wealth Advisors posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Jordan Cohne at Clarity Wealth Advisors:

Shortcuts

Share

Category

Nearby finance companies

Other Financial Services in South Easton

Show All