Vineyard Wealth Group

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Vineyard Wealth Group Vineyard Wealth Group provides financial guidance to individuals, families, and organizations on Martha's Vineyard.

Led by West Tisbury Resident Grant Joiner, CFP® we specialize in investments, and retirement planning to help simplify your finances.

One of those weeks that reminded me why I moved back to the Island.Last Tuesday started back at MVRHS, talking with juni...
10/04/2026

One of those weeks that reminded me why I moved back to the Island.

Last Tuesday started back at MVRHS, talking with juniors about careers, financial services, and the winding path that took me from growing up here, to corporate America, and eventually back home to start a business.

That night, I was at StillPoint talking about Social Security with a completely different group of people at a very different stage of life.

Then today, Chad and I ran the Gay Head 10K, where Vineyard Wealth Group was fortunate to be a sponsor. Great race, beautiful day, and a whole lot of familiar faces along the way.

Living here year-round certainly has its challenges, but there really isn’t anywhere else quite like it. In the span of a few weeks, getting to spend time with high school students thinking about what comes next, people thinking about retirement, and a few hundred people running around Aquinnah on a Sunday morning.

It’s a small place, and somehow that’s a big part of what makes it so special. Weeks like this are a nice reminder of why I came home.

09/15/2026

If you live on Martha’s Vineyard and have questions about Social Security, join us for a free event at Stillpoint (S T I L L P O I N T) in West Tisbury on September 22 at 6:00 PM.

We’ll cover when to file, how your benefit is calculated, strategies to maximize your benefits, and how Social Security fits into your broader retirement income plan.

Free and open to the public. Register through the link in our bio, VineyardWealthGroup.com, or StillPointMV.org.

This content is for educational purposes only and should not be considered financial, tax, or investment advice.

09/03/2026

Pick up a copy of today’s MV Times to read our article about what it takes to retire comfortably!

08/27/2026

Your Medicare premiums can change based on your income.

IRMAA is an income-based surcharge on Medicare Parts B and D, and because Medicare generally looks back two years at your income, decisions you make before year-end can affect what you pay for Medicare in 2028.

It’s one more reason tax planning and retirement planning should be looked at together.

If you’d like help reviewing your year-end tax strategy, use the link in our bio to schedule a complimentary consultation.

For educational purposes only. This is not individualized financial, tax, or investment advice.

08/21/2026

Meet Chase Sherer, our Analyst! After working with Grant as an intern two summers ago, Chase is back, this time as a full-time member of the Vineyard Wealth Group team.

08/13/2026

Ag fair 2026!

08/06/2026

Many people assume they’ll spend the same amount every year throughout retirement. In reality, spending often follows what’s known as the retirement spending smile.

Early in retirement, spending is often higher as you travel, pursue hobbies, and enjoy the freedom you’ve worked so hard for.

As retirement progresses, spending often declines as travel slows down and day-to-day expenses become more predictable.

Later in retirement, healthcare and long-term care costs can cause spending to rise again.

Understanding this pattern can help you build a more realistic retirement income plan instead of assuming your expenses will stay flat for 30 years.

We cover this concept and many others in our most popular YouTube video, Retirement Income Planning: How to Turn Your Savings Into a Paycheck.

Watch the full video through the link in our bio.

Educational purposes only. This content is not individualized financial, tax, or legal advice. Investing involves risk, including the possible loss of principal. Advisory services offered through Vineyard Wealth Group, a registered investment adviser. For important disclosures, visit the link in our bio.

08/05/2026

Most people don’t know exactly how much they spend each month, and that’s okay.

Instead of building a budget from scratch, I often use a reverse budget. We start with your income, subtract taxes, savings, and payroll deductions, and what’s left is what you’re actually living on today.

One of the biggest retirement planning misconceptions is that you need to replace your working income dollar for dollar. In reality, you may no longer be paying payroll taxes, contributing to retirement accounts, or making a mortgage payment. Plus, income from sources like Social Security, pensions, and certain investment accounts may be taxed differently than a paycheck. That often means it takes less gross income to maintain the same lifestyle in retirement.

And yes… excuse the handwriting. 😅

Educational purposes only. This example uses simplified assumptions and rounded figures and is not intended to represent any individual’s tax situation or financial plan. It is not tax, legal, or investment advice. Consult your tax advisor and financial professional before making financial decisions.

Investment advisory services offered through Vineyard Wealth Group, LLC, a Registered Investment Adviser. Registration does not imply a certain level of skill or training.

Important disclosures: https://vineyardwealthgroup.com/disclosures

08/04/2026

Last night’s Hospice Soirée was a great reminder of what makes Martha’s Vineyard such a special place.

We spend a lot of time helping families navigate the financial side of losing a loved one, and seeing the support that Hospice & Palliative Care Of Martha’s Vineyard provides every day was incredibly meaningful.

Thank you to Farm Neck Golf Club for hosting such a wonderful evening, and thank you to everyone who helps make Hospice’s work possible. If you’re able, please consider supporting their mission.

08/03/2026

Living on Martha’s Vineyard comes with some pretty unique financial challenges.

For a lot of people, their home makes them look wealthy on paper, but rising costs, seasonal income, property taxes, and estate planning concerns can make the day-to-day reality feel very different.

We put together a new video on some of the financial realities of living here and why planning on the Island often looks different than it does elsewhere.

This is for educational purposes only. See disclosures, YouTube, and blog post links in our bio.

Address

5 Beach Street
Vineyard Haven, MA
02568

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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