Assurance Wealth Management

Assurance Wealth Management Your retirement is our priority. From tax minimization strategies to optimizing your Social Security

Assurance Wealth Management is a registered investment advisor that provides wealth management, risk mitigation, a robust array of financial planning and retirement planning services to individuals, families and business owners. At the heart of what is done here at Assurance Wealth Management, we strive for ultimate client-focused service. Combined with our state of the art technology that allows us to create individualized portfolios with a focus on risk mitigation.

01/22/2026

🔄 January Is the Perfect Time for a Financial Refresh

Last month, we hosted a Year-End Planning webinar focused on one goal: finishing strong so you can start the new year with clarity and confidence.

Now that January is here, those conversations matter more than ever.

During the session, Jaimin Garabedian, CRPC®, and Rachael Knapp, CPA, CFP, walked through key areas that can help shape a smoother 2026—many of which are ideal to revisit during a January financial review:

✔️ Retirement account check-ins and contribution planning
✔️ Tax-aware giving strategies and year-end opportunities
✔️ Portfolio reviews, rebalancing, and timing considerations
✔️ A practical checklist to help you prepare for the year ahead

January isn’t about starting from scratch—it’s about reviewing what’s in place, identifying what needs attention, and making thoughtful adjustments early.

🎥 Missed the live session? You can check out the full webinar replay on YouTube: https://bit.ly/3N9OO5l

💬 Interested in a complimentary review or a 2026 planning conversation? We’re here to help you turn year-end insights into a strong start for the year ahead.

01/16/2026

Business owners, a major tax break just returned, and most people aren’t using it correctly!

In this episode, Rachel Knapp, CPA and tax strategist, explains why 100% bonus depreciation is back for 2025, and how qualifying business assets can now be fully written off upfront instead of spread over years.
“Instead of depreciating assets over five years, you can now deduct 100% upfront, including certain vehicles,” Rachel explains.

Key insights from this episode:

- 100% bonus depreciation: What qualifies in 2025
- Timing matters: Why assets must be placed in service correctly
- Vehicle write-offs: When trucks and equipment can be fully deducted


If you’re a business owner planning equipment purchases or vehicle upgrades, this episode could dramatically reduce your tax bill.

🎧 Listen now: https://youtu.be/ZfXSPtmhN34

01/15/2026

For S-corp owners, one small oversight can trigger big IRS problems.
In this episode, Rachel Knapp, CPA and tax strategist, breaks down the most common and most dangerous mistake business owners make when paying themselves through an S corporation: not taking a real salary.

“People either don’t pay themselves a salary at all, or they put it on paper but never actually move the money. With the IRS, there has to be a paper trail,” Rachel explains.

Key insights from this episode:
- Reasonable compensation: What the IRS actually expects
- Paper vs reality: Why bookkeeping alone isn’t enough
- Audit risk: How missing payroll triggers red flags


If you own an S-corp, this conversation could save you from costly penalties and unwanted attention from the IRS.

🎧 Listen now: https://youtu.be/ZfXSPtmhN34

Whether you’re just getting started or have been contributing for years, understanding how your 401(k) works can make a ...
01/14/2026

Whether you’re just getting started or have been contributing for years, understanding how your 401(k) works can make a meaningful difference over time.

Here are a few key areas worth reviewing:

âś… Plan fees and investment options
âś… Diversification to help manage risk
âś… Regular reviews to be sure your strategy still aligns with your goals
✅ Employer matching—an important benefit you don’t want to overlook

Taking time to understand your plan can help you feel more confident about where you’re headed.

💬 What’s one question you’ve had about your 401(k) but never asked? Share below. 👇

01/14/2026

Backdoor Roths sound simple until the IRS steps in.

In this episode, Rachel Knapp, CPA and tax strategist, explains why backdoor Roth conversions often trigger unexpected taxes, and the critical rule most people overlook.
“The IRS views all traditional IRAs as one. If you have a large IRA and try a backdoor Roth, you may be taxed on the whole thing,” Rachel explains.

Key insights from this episode:

- How backdoor Roths actually work
- The pro-rata rule: Why multiple IRAs can blow up the strategy
- Timing matters: Why even small earnings can create taxes


If you’re considering a backdoor Roth, or already using one, this is a must-watch to avoid costly surprises.
🎧 Listen now: https://youtu.be/ZfXSPtmhN34

At one point, scientists believed physics was nearly complete—until new discoveries reshaped everything. Financial plann...
01/13/2026

At one point, scientists believed physics was nearly complete—until new discoveries reshaped everything. Financial planning can follow a similar path.

As wealth grows, plans that once felt “finished” often encounter new layers of complexity. Coordinating tax, legal, insurance, banking, and investment strategies—and ensuring they work together—becomes increasingly important.

Our latest blog explores why modern financial planning isn’t static, how coordination matters more over time, and what it means to build a plan that evolves with your life, family, and priorities.

👉 Read the full blog: https://bit.ly/49biRSM

01/13/2026

Many retirees give to charity the right way, but for tax purposes, it’s often the wrong way.

In this episode, Rachel Knapp, CPA and tax strategist, explains how qualified charitable distributions (QCDs) allow retirees to give directly from their retirement accounts while lowering taxable income, a critical move for those impacted by IRMAA brackets.

“Sending money straight from your retirement account to a 501(c)(3) removes it from your income completely,” Rachel explains.

Key insights from this episode:

- Qualified charitable distributions: How they work and who qualifies
- Lower taxable income: Why QCDs beat writing a check
- IRMAA planning: How retirees can avoid higher Medicare premiums


Tune in to learn why donating the wrong way can cost retirees thousands and how a simple shift can make your giving far more tax-efficient.

🎧 Listen now: https://youtu.be/ZfXSPtmhN34

01/12/2026

Market volatility doesn’t just affect your portfolio. It can also create tax-saving opportunities if you know what to look for.

In this episode, Rachel Knapp, CPA and tax strategist, explains how tax loss harvesting can help offset capital gains and reduce your tax bill, especially when dealing with short-term gains taxed at higher rates.

“If you have a large capital gain and stocks sitting at a loss, selling those losses can help mitigate the gain,” Rachel shares.

In this episode, you’ll learn:

- How tax loss harvesting works
- Why short-term gains are more costly
- How to use volatile markets to your advantage


🎧 Listen now: https://youtu.be/ZfXSPtmhN34

🧹 A Fresh Start for Your Finances The start of a new year is a great opportunity to simplify, organize, and reset. Betwe...
01/07/2026

🧹 A Fresh Start for Your Finances

The start of a new year is a great opportunity to simplify, organize, and reset. Between the holidays, family, and everyday responsibilities, financial to-dos can easily pile up—making now the perfect time for a clean slate.

Here are a few practical steps to help reduce financial clutter and start the year feeling more in control:

âś… Confirm your contact information with banks and financial institutions

✅ Organize paperwork—keep what’s important and let go of the rest

✅ Review automatic payments and subscriptions to be sure they’re still needed

âś… Switch to paperless statements when possible

âś… Update account passwords to help protect your information

âś… Check your credit reports for accuracy

Taking these small steps can help you feel more organized, more confident, and better prepared as tax season approaches.

💬 What’s one small financial task you’re tackling this month? Share below. 👇

📅 New Blog Now Live | January 6 The start of a new year brings momentum—and the first quarter is a powerful time to get ...
01/06/2026

đź“… New Blog Now Live | January 6

The start of a new year brings momentum—and the first quarter is a powerful time to get organized, proactive, and intentional with your finances.

Our latest blog is live today:

“Your Q1 Financial Checklist for a Strong Start to 2026.”

Inside, you’ll find practical steps to help you get organized early, stay proactive, and build momentum for the year ahead. From reviewing goals and preparing for taxes to checking in on savings and retirement contributions, this checklist is designed to help turn good intentions into meaningful progress.

👉 Ready to get started? Read the full blog: https://bit.ly/49biRSM

Tonight we celebrate the year behind us, and the possibilities ahead.
12/31/2025

Tonight we celebrate the year behind us, and the possibilities ahead.

With everything the world has faced these last few years, stories of hope and generosity shine a little brighter. And th...
12/24/2025

With everything the world has faced these last few years, stories of hope and generosity shine a little brighter. And this one is truly extraordinary.

“Night of a Million Lights” began as a creative response to the challenges of 2020 — and quickly became a celebration of compassion, resilience, and community.

At Give Kids the World Village in Kissimmee, Florida, volunteers transformed 89 acres into a glowing holiday wonderland.

Here’s what makes it so special:

🎄 100 illuminated villas and dazzling light displays
đź’ˇ 1.25 million feet of lights, including 3.2 million donated by Walt Disney World
❤️ 30,000 volunteer hours to bring the magic to life
🌍 Nearly 92,000 visitors raising $2.8 million to help critically ill children and their families

For 34 years, Give Kids the World Village has provided week-long, cost-free vacations to children facing life-threatening illnesses — touching nearly 177,000 families across the U.S. and around the world.

Stories like this remind us what the holiday season is truly about: joy, giving, and caring for one another.

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