Spellman Insurance Agency

10/31/2026

Wishing everyone a fun and safe Halloween! Hope your day is filled with treats, smiles and candy! Stay safe and enjoy the night!

10/29/2026

Do you think about taxes throughout the year, or only when it's time to file?

Episode 95 of Make It Personal explores the difference between simply reporting financial decisions that have already happened and considering potential tax implications as part of your broader financial strategy.

🎙️ Watch here: https://mutualofomaha.co/3Uw7MXN

10/22/2026

What would you do if a major inheritance suddenly changed your financial picture?

Episode 94 of Make It Personal shares the story of a client who had accumulated assets but wasn't sure how all the pieces should work together.

With retirement, family, protection, and long-term goals to consider, the conversation became less about simply having money and more about creating a clearer direction for it.

🎙️ Watch the latest episode here: https://mutualofomaha.co/4i1dJVJ

10/19/2026

Many taxpayers miss out on valuable deductions and credits each year simply because they are not aware they exist.

This article I found highlights some of the most commonly overlooked tax breaks and why they matter when it comes to keeping more of what you earn.

Tax planning is not just about filing once a year, it is about building a strategy that looks for opportunities to reduce waste, improve efficiency, and support long-term financial goals.

If you are unsure whether you are taking full advantage of available tax benefits, it may be worth reviewing your overall financial plan. Contact me for more information!

These deductions and credits can mean the difference between a tax bill and a tax refund

10/16/2026

Choosing the right retirement plan is not always straightforward. With options like 401(k)s, IRAs, and other strategies, each comes with different benefits, tax advantages, and long-term considerations.

This article breaks down how to evaluate different retirement plans and what to consider when deciding what fits your goals.

There is no one-size-fits-all approach. The right plan depends on your income, tax situation, timeline, and long-term objectives. In many cases, a combination of strategies can help create a more balanced and flexible retirement plan.

I work with clients to simplify these decisions and build a strategy that aligns with where they are today and where they want to go in the future.

If you are unsure which retirement plan makes the most sense for you, it may be time to take a closer look.

Discover different retirement plans and the factors to consider when choosing a specific type. Learn the pros and cons of each plan, as well as the tax implications.

10/15/2026

What's the highest return you can get?

That may not be the most important financial question.

Episode 93 of Make It Personal explores how CFOs think differently about money by focusing on one key question: "What job does every dollar need to do?"

This conversation highlights why assigning purpose to every dollar may be one of the most powerful planning strategies available.

🎧 Watch here: https://mutualofomaha.co/3VPOtcf

10/14/2026

Where you choose to live in retirement can have a bigger impact than many people realize.

From cost of living and taxes to access to healthcare and lifestyle, location plays a key role in how far your savings go and how you experience retirement day to day.

This article highlights five cities that stand out for retirees and what makes them worth considering.

Discover the top 5 U.S. cities ideal for retirement, with insights on tax perks, cost of living and healthcare access to guide senior relocation decisions.

10/12/2026

Understanding your full retirement age is an important part of making informed Social Security decisions.

For many people, full retirement age falls between 66 and 67 depending on birth year, and the timing of when you claim benefits can have a long-term impact on your retirement income.

Social Security is not just about when you can collect benefits, but how those decisions fit into your broader retirement goals and income needs.

Learn 3 Social Security rules that change at full retirement age, including work earnings, benefit recalculations and delayed credits through age 70.

10/10/2026

Social Security decisions are not one size fits all. Understanding how timing impacts your long-term income can make a meaningful difference over time.

Deciding when to take Social Security? Compare benefits at 62, 65, 67 and 70. Learn how age affects your retirement income and make an informed decision.

10/08/2026

Many retirees ask the same question:
"If my RMD is higher than what I planned to withdraw, am I doing something wrong?"

Episode 92 of the Make It Personal podcast explores why Required Minimum Distributions and retirement spending are not the same thing, and how thoughtful planning can help retirees navigate these decisions with greater confidence.

🎧 Watch here: https://mutualofomaha.co/4yAb4YN