Al Tocman, CRPC, MBA - Onyxbridge Wealth Group

Al Tocman, CRPC, MBA - Onyxbridge Wealth Group Money is one of the biggest stresses individuals and families typically have. Please note that we must delete such posts since this is a regulatory requirement.

I help my clients make better financial decisions from building their Net Worth, having the right Retirement Plan, and protection with Life Insurance and Annuities • Advisory services offered through Onyx Bridge Wealth Group, LLC (“OBWG”) a registered investment adviser. OBWG is registered as an investment adviser with the SEC and only conducts business in states where it is properly registered/no

tice filed or is excluded from registration requirements. Registration is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability.
• Clicking the Like button is not a testimonial for or endorsement of OBWG or any of its Investment Adviser Representatives. This is the only mechanism we have to circulate our page. “Like” is not meant in the traditional sense. Visitor posts must refrain from recommending investment advisory services or providing testimonials for the firm or its employees since they are strictly prohibited by securities regulators. If you wish to convey an opinion to us, please send an email to [email protected]. In addition, no one commenting on this wall should post specific securities recommendations. Questions about a specific investment or adviser cannot be answered and may be removed from the page.
• Information presented is believed to be factual and up-to-date, but we do not guarantee its accuracy and it should not be regarded as a complete analysis of any topics discussed. All expressions of opinion reflect the judgment of the authors on the date of the post and are subject to change. All investments and investment strategies have the potential for profit or loss.
• Content should not be viewed as an offer to buy or sell any of the securities mentioned or as personalized financial advice. Legal and tax advice is general in nature. You should always consult an attorney or tax professional regarding your specific legal or tax situation. OBWG is not engaged in the practice of law.
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Good planning gives you more than a future, it gives you the freedom to live an ordinary Tuesday on your own terms.
09/09/2026

Good planning gives you more than a future, it gives you the freedom to live an ordinary Tuesday on your own terms.

Waiting for interest rates to fall can feel like a strategy. It isn’t always one.If rates remain elevated, it may be wor...
09/07/2026

Waiting for interest rates to fall can feel like a strategy. It isn’t always one.

If rates remain elevated, it may be worth revisiting how cash and fixed income are positioned. Today’s environment can create more opportunities for income, while holding too much excess cash may limit longer-term potential.

Rather than trying to predict the Fed’s next move, make sure your portfolio is positioned for the rate environment we actually have.

https://buff.ly/R5ujny3

Some Medicare costs are determined long before the bill arrives.For 2026, Medicare uses income from your 2024 tax return...
09/04/2026

Some Medicare costs are determined long before the bill arrives.

For 2026, Medicare uses income from your 2024 tax return to determine whether you owe an Income-Related Monthly Adjustment Amount (IRMAA) on Part B and Part D. That two-year lookback means decisions involving Roth conversions, investment gains, retirement distributions and other taxable income can have consequences that show up later in health care costs.

The planning opportunity is not simply to keep income as low as possible. It is to coordinate taxes, retirement income and Medicare so one decision does not unintentionally make another more expensive.

And if your income has fallen because of a qualifying life event such as retirement or the death of a spouse, you may be able to ask Social Security to reconsider the surcharge.

Health care planning is part of retirement income planning — not a separate conversation.

https://buff.ly/qaf016G

Certainty says, “I know what will happen.”Confidence says, “Whatever happens, I can respond thoughtfully.”
09/02/2026

Certainty says, “I know what will happen.”

Confidence says, “Whatever happens, I can respond thoughtfully.”

Maxing out a workplace retirement plan is not as automatic as it used to be.If you’re 50+ and earned more than $150,000 ...
08/31/2026

Maxing out a workplace retirement plan is not as automatic as it used to be.

If you’re 50+ and earned more than $150,000 in 2025 from the employer sponsoring your plan, your 2026 age-based catch-up contributions to a 401(k), 403(b) or governmental 457(b) generally must be made on a Roth basis.

That shift can affect take-home pay, withholding and the balance between pretax and tax-free assets you’re building for retirement. It also means the contribution strategy that worked last year may deserve another look this year.

If you’re trying to maximize retirement savings, now is a good time to confirm how your plan is handling the new rule and whether the rest of your tax strategy still fits around it.

https://buff.ly/x7JqWkf

Open enrollment deserves more than a quick click-through.The choices you make can affect your cash flow, taxes, retireme...
08/28/2026

Open enrollment deserves more than a quick click-through.

The choices you make can affect your cash flow, taxes, retirement savings and how well your family is protected.

Rather than carrying forward the same elections by default, use this opportunity to make sure your benefits still align with your life, priorities and broader financial plan.

A thoughtful review now can help you make more confident decisions when enrollment begins.

https://buff.ly/f0WDo91

Money isn’t happiness, but the freedom to pursue what brings you joy can be priceless.
08/26/2026

Money isn’t happiness, but the freedom to pursue what brings you joy can be priceless.

Waiting until December to think about taxes can leave you with fewer choices.The IRS encourages a midyear withholding ch...
08/24/2026

Waiting until December to think about taxes can leave you with fewer choices.

The IRS encourages a midyear withholding check, especially after meaningful changes to your income, family or finances.

Now is the time to review whether:

• Withholding and estimated payments are on track
• Investment gains or losses create planning opportunities
• A Roth conversion may make sense
• Retirement contributions should be adjusted
• Charitable giving can be planned more intentionally
• A bonus, job change, home purchase or other life event has changed your tax picture

Together, we can coordinate your financial and tax strategies before the year-end rush.

https://buff.ly/ZpyCu89

Summer has a way of bringing us back to the reason behind the plan.More time together, slower moments and family traditi...
08/21/2026

Summer has a way of bringing us back to the reason behind the plan.

More time together, slower moments and family traditions remind us that wealth is not only about what we build. It is about making sure the people we love are cared for, even when we are no longer able to guide them ourselves.

A thoughtful estate plan can help make your wishes clear by coordinating wills, trusts, beneficiaries, powers of attorney, health care directives and access to important information.

Let this season be a reminder to make sure your plan reflects your why.

https://buff.ly/Izhl3mf

The best legacy plans pass down more than wealth.
08/19/2026

The best legacy plans pass down more than wealth.

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