Swan Retirement Planning

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Swan Retirement Planning Swan Retirement Planning is your premier financial planner in Ventura, California. Our goal is to

The end of the year has a way of arriving quickly.October can be a useful time to review the financial decisions that ma...
10/01/2026

The end of the year has a way of arriving quickly.

October can be a useful time to review the financial decisions that may still have some flexibility before December 31.

That might include your retirement withdrawals, cash reserves, charitable plans, beneficiaries, or any major financial changes that occurred during the year.

You don't need to change something simply because the calendar is changing. The goal is to make sure your current strategy still reflects where you are now.

Contact Swan Retirement Planning at (805) 570-3765 to schedule a complimentary consultation.

Not every healthcare headline affects retirees in the same way.One of the larger changes scheduled for 2027 involves Med...
09/24/2026

Not every healthcare headline affects retirees in the same way.

One of the larger changes scheduled for 2027 involves Medicaid, where certain adults ages 19–64 will generally need to meet an 80-hour-per-month community engagement requirement to remain eligible. Importantly, this requirement applies to certain Medicaid populations—not people enrolled in Medicare.

That distinction matters. Medicare and Medicaid are separate programs, and changes to one do not necessarily change the other.

For retirees, the broader lesson is simple: healthcare rules evolve, and your retirement plan should be reviewed when they do.

Questions? Contact Swan Retirement Planning at (805) 570-3765.

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A common misconception is that recent tax legislation eliminated federal taxes on Social Security.It did not.Depending o...
09/17/2026

A common misconception is that recent tax legislation eliminated federal taxes on Social Security.

It did not.

Depending on your combined income, up to 85% of your Social Security benefits may still be included in taxable income.

What did change is that taxpayers age 65 and older may qualify for an additional $6,000 deduction per person through 2028, subject to income limits. That deduction can reduce taxable income, but it is separate from the rules that determine whether Social Security benefits are taxable.

That distinction is a good example of why retirement tax planning requires looking at the whole picture rather than one headline.

Questions? Contact Swan Retirement Planning at (805) 570-3765 or click “Contact Us” to schedule a complimentary consultation.

Legacy planning is often less about one document and more about how taxes, assets, beneficiaries, and family goals fit t...
09/10/2026

Legacy planning is often less about one document and more about how taxes, assets, beneficiaries, and family goals fit together.

For 2026, the federal estate and gift tax basic exclusion amount is $15 million per individual. The annual gift-tax exclusion remains $19,000 per recipient.

There is also a new opportunity for charitable giving: beginning in 2026, taxpayers who do not itemize may deduct up to $1,000 in qualifying cash donations, or $2,000 for married couples filing jointly.

These thresholds are high, but legacy planning is about more than estate taxes. Beneficiary designations, account structure, charitable goals, and family circumstances all matter.

Contact Swan Retirement Planning at (805) 570-3765 to discuss how legacy planning fits into your retirement strategy.

Tax rules continue to shape retirement planning in 2026.For this tax year, the standard deduction is $16,100 for single ...
09/03/2026

Tax rules continue to shape retirement planning in 2026.

For this tax year, the standard deduction is $16,100 for single filers and $32,200 for married couples filing jointly. Taxpayers age 65 and older may also qualify for an additional $6,000 senior deduction per person, subject to income limits.

These changes do not automatically mean your tax bill will go down. The effect depends on your income, filing status, retirement withdrawals, and other deductions.

If you’re retired or approaching retirement, this is a good time to review how current tax rules fit into your broader income strategy.

Questions? Contact Swan Retirement Planning at (805) 570-3765 or click “Contact Us” to schedule a complimentary consultation.

A thoughtful long-term care plan starts with a conversation.Take time to:✔️ Understand your care options✔️ Review your f...
08/27/2026

A thoughtful long-term care plan starts with a conversation.

Take time to:
✔️ Understand your care options
✔️ Review your financial resources
✔️ Include your family in the planning process
✔️ Revisit your plan as life changes

Planning ahead gives you more flexibility and confidence for the future.

Questions? Call Swan Retirement Planning at (805) 570-3765 or schedule a complimentary consultation.

Long-term care planning isn't one-size-fits-all.Depending on your goals, your strategy may include:✔️ Traditional long-t...
08/20/2026

Long-term care planning isn't one-size-fits-all.

Depending on your goals, your strategy may include:
✔️ Traditional long-term care insurance
✔️ Hybrid life insurance with LTC benefits
✔️ Asset-based planning
✔️ Employer or group coverage

The right approach depends on your unique situation.

Contact Swan Retirement Planning at (805) 570-3765 to discuss your options.

Long-term care costs continue to rise, making planning more important than ever.The average 65-year-old has a 70% chance...
08/13/2026

Long-term care costs continue to rise, making planning more important than ever.

The average 65-year-old has a 70% chance of needing some form of long-term care, and for couples, that number increases to 91% for at least one spouse.

Planning ahead can help protect your retirement and preserve your options.

Call Swan Retirement Planning at (805) 570-3765 to learn more or schedule a complimentary consultation.

Address

56 East Main Street, Suite 205
Ventura, CA
93001

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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