Stalt Financial

Stalt Financial Short Term and Long Term Financial Planning Member SIPC 330 Whitney Ave # 600, Holyoke, MA 01040 (413) 539-2000.

Chris Ball is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC. Stalt Financial is not a subsidiary or affiliate of MML Investors Services, LLC, or its affiliated companies.

08/29/2026

What exactly is a Trump account, and can your employer contribute? Part 2 of our breakdown is here. Catch up on part 1 if you missed it, and drop any questions below!

08/27/2026

Co-Founder Dan Zech, CFP®, ChFC®,
CEPA®, is back to break down Trump Accounts. What they are, how they work, and how they could benefit you.

Stay tuned for the rest of the mini series as we cover what you need to know to make the most of Trump Accounts!


08/20/2026

Most people spend years focused on building wealth.

But what happens when it is time to use it?

Retirement planning is not just about reaching the summit. It is also about creating a strategy for the way down.

That means thinking through income, taxes, timing, and how your money can support the life you worked to build.



08/15/2026

Roth conversions can be a helpful strategy, but timing matters.

For retirees nearing Medicare, a large conversion may impact IRMAA, which can increase Medicare premiums based on income from two years prior.

That does not mean Roth conversions are bad. It means the bigger picture matters.


08/13/2026

Healthcare can be one of the biggest retirement expenses people underestimate.

And long-term care is a separate conversation.

Retirement planning should account for more than just income.

As of the publish date, Fidelity has released its 25th annual Retiree Health Care Cost Estimate, revealing that a 65-year-old retiring in 2026 can expect to spend an average of $185,500 on health care and medical expenses throughout retirement.

Link to 2025 Fidelity Report: https://www.fidelity.com/learning-center/wealth-management-insights/how-to-prepare-for-health-care-costs-in-retirement

08/07/2026

Our take on the different tone trend...

08/05/2026

A 2026 rule change may affect catch-up contributions for some higher earners.

If your plan does not offer a Roth option, it is worth checking how that could impact your retirement savings strategy.

07/24/2026

“I’ll spend less in retirement.”

Maybe. Maybe not.

When every day feels like Saturday, spending can look different than expected.

That is why your plan should reflect your actual lifestyle.

07/17/2026

Risk tolerance is easy to overestimate when markets are up.

But when your portfolio pulls back, your real comfort level becomes a lot clearer.

That is why defining risk upfront matters.

07/15/2026

Multiple accounts are not always the issue.

The issue is when no one is looking at how they all work together.

Old 401(k)s, IRAs, trust accounts, and cash holdings may look fine on their own, but the full picture matters.

Address

5700 Crooks Road , Suite 212
Troy, MI
48098

Telephone

+12487334344

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