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Logos as displayed herein are not intended to imply any endorsement by the owners of such logos of Jarver Financial (JF). The content of thispage is developed from sources believed to be accurate and complete; however, no guarantee can or is given for such accuracy or completeness nor is the information in this material intended as tax or legal advice. Please consult your own legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale, or the solicitation of such an offer, of any security, insurance product, or annuity in any jurisdiction in which the persons represented on this site are not appropriate licensed, registered, appointed, or otherwise qualified by law and regulation to make or solicit such purchases and sales. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing company and compliance with product terms. JF is neither affiliated nor endorsed by the IRS, Social Security Administration or any other governmental agency. Jarver Financial and CoreCap Advisors are separate and unaffiliated entities. Advisory services are offered by CoreCap Advisors, LLC (CA), a registered investment advisor.

The 2026 Social Security COLA is 2.8%, with Social Security and SSI payments adjusted accordingly. For Social Security b...
10/21/2026

The 2026 Social Security COLA is 2.8%, with Social Security and SSI payments adjusted accordingly. For Social Security beneficiaries, the increase begins with January 2026 payments; SSI recipients received the increase in the December 31, 2025 payment. [1]

COLA is one part of your retirement income picture. Reviewing how your benefits, taxes, investment income, and spending needs work together can help you make more informed decisions and plan with greater confidence.

We’re here to help you understand the moving parts and build a retirement income strategy tailored to your goals. Contact Jarver Financial to start the conversation.

This material is for general educational and informational purposes only and is not investment, tax, or legal advice. Please consult your own legal or tax professionals regarding your individual situation. Jarver Financial is not affiliated with or endorsed by the Social Security Administration.

Sources:
[1] https://www.ssa.gov/news/en/cola/factsheets/2026.html

Planning for retirement means planning for healthcare costs, too.In 2026, the standard Medicare Part B monthly premium i...
10/14/2026

Planning for retirement means planning for healthcare costs, too.

In 2026, the standard Medicare Part B monthly premium is $202.90, and the annual Part B deductible is $283. Some beneficiaries may pay more based on income-related adjustments, with monthly premiums ranging from $284.10 to $689.90. [1]

Understanding these costs can help you build a more comprehensive retirement income plan and prepare for the healthcare expenses that may affect your financial picture.

If you are preparing for retirement, we’re here to help you understand how healthcare costs may fit into your broader plan. Contact Jarver Financial to schedule a conversation.

This information is provided for educational purposes only and is not investment, tax, legal, or financial advice. Medicare costs and individual circumstances vary. Please consult Medicare, Social Security, and qualified professionals regarding your specific situation.

Sources:
[1]https://www.medicare.gov/publications/11579-medicare-costs.pdf

Planning for 2026? The IRS has announced higher retirement contribution limits, creating more room to save for the futur...
10/07/2026

Planning for 2026? The IRS has announced higher retirement contribution limits, creating more room to save for the future.

For 2026:
• 401(k), 403(b), governmental 457 plans and TSP: $24,500
• IRA: $7,500
• Workplace-plan catch-up contribution, age 50+: $8,000
• IRA catch-up contribution, age 50+: $1,100
• Higher workplace-plan catch-up contribution for ages 60–63: $11,250 [1][2]

These limits are one part of a broader retirement strategy. How much you should contribute, and which accounts may be appropriate, depends on your income, tax situation, employer plan, goals and overall financial picture.

We’re here to help you understand your options and build a personalized strategy for retirement income, wealth accumulation and asset protection. Schedule a complimentary consultation with Jarver Financial to discuss your next steps.

This material is for general educational and informational purposes only and is not investment, tax, legal or financial advice. Please consult your own legal or tax professionals regarding your individual situation.

Sources:
[1] https://www.irs.gov/newsroom/401k-limit-increases-to-24500-for-2026-ira-limit-increases-to-7500
[2] https://www.irs.gov/retirement-plans/cola-increases-for-dollar-limitations-on-benefits-and-contributions

A beneficiary checkup is a small review with a big purpose: helping your financial instructions stay aligned with the pe...
08/22/2026

A beneficiary checkup is a small review with a big purpose: helping your financial instructions stay aligned with the people and plans you intend to support.

At least once a year: and after marriage, divorce, birth, death, a major account change, or a move: review beneficiary designations across retirement, insurance, and investment accounts. Then coordinate them with your broader estate plan and the requirements of each account custodian. A beneficiary designation is one part of the plan; it does not automatically replace or override every provision in a will, trust, or other estate document.

As part of the review, confirm that:
• Primary and contingent beneficiaries are current.
• Trusted contacts have accurate information.
• Your durable financial power of attorney still reflects your wishes.
• Other incapacity-planning documents are organized and coordinated.
• Your financial professionals and account custodians know about relevant updates.

Investor.gov encourages organizing important documents, identifying trusted contacts, and considering a durable financial power of attorney when planning for illness or diminished capacity. [1][2]

A coordinated review can help reduce confusion and make your wishes easier to understand if circumstances change. We’re here to help you make this review part of a thoughtful, comprehensive financial plan.

Call 844-8-JARVER or visit us at 780 Lynnhaven Pkwy Suite 400, Virginia Beach, VA.

Sources:
[1] Investor.gov, A Guide for Older Investors:https://www.investor.gov/sites/investorgov/files/2023-10/guideforolderinvestors.pdf
[2] Investor.gov, Planning for Diminished Capacity and Illness: https://www.investor.gov/introduction-investing/general-resources/news-alerts/alerts-bulletins/investor-bulletins-83

Educational disclaimer: This post is for educational purposes only and is not legal, tax, or investment advice. Beneficiary and incapacity planning may have legal and account-specific consequences. Consult qualified professionals and your account custodian about your individual circumstances.

Retirement planning is not only about reaching the runway: it is also about having the flexibility to pause, adjust, and...
08/21/2026

Retirement planning is not only about reaching the runway: it is also about having the flexibility to pause, adjust, and respond when life brings unexpected turbulence.

The Federal Reserve reported that 55% of adults had savings covering three months of expenses in 2024 [1]. That statistic is a useful reference point, not a universal standard. The right emergency reserve depends on your income, spending, health considerations, family responsibilities, assets, and retirement timeline.

An emergency fund is one part of a personalized asset-protection and retirement-income plan. Together, we can evaluate how much liquidity may help protect your long-term strategy while keeping your broader goals in view.

We’re committed to helping individuals and families prepare with clarity, flexibility, and confidence. Call 844-8-JARVER or visit us at 780 Lynnhaven Pkwy Suite 400, Virginia Beach, VA.

Sources:
[1] Federal Reserve: https://www.federalreserve.gov/publications/2025-economic-well-being-of-us-households-in-2024-savings-and-investments.htm

Working while claiming Social Security? Your earnings may affect your benefits before you reach full retirement age (FRA...
08/20/2026

Working while claiming Social Security? Your earnings may affect your benefits before you reach full retirement age (FRA).[1]

For 2026, the Social Security Administration lists an annual earnings limit of $24,480 for people who are under FRA for the entire year. If you reach FRA in 2026, the limit is $65,160 for earnings received before the month you reach FRA. Beginning with that month, there is no earnings limit.[1]

Your exact FRA, work income, and individual circumstances matter. Before making a claiming decision, review your situation carefully and understand how the earnings test may apply.

Jarver Financial is here to help you evaluate Social Security as part of a comprehensive retirement income strategy. Call 844-8-JARVER or visit us at 780 Lynnhaven Pkwy Suite 400, Virginia Beach, VA.

Educational information only; not tax, legal, or investment advice. Social Security rules and individual outcomes vary. Consult the Social Security Administration and qualified professionals regarding your circumstances.

Sources:
[1] Social Security Administration, https://www.ssa.gov/benefits/retirement/planner/whileworking.html

Turning 73 can mark an important checkpoint in your retirement-income plan.Required minimum distributions (RMDs) general...
08/19/2026

Turning 73 can mark an important checkpoint in your retirement-income plan.

Required minimum distributions (RMDs) generally begin at age 73 for traditional IRAs, SEP IRAs, SIMPLE IRAs, and many employer-sponsored retirement plans. However, the rules are not identical for every account. Workplace-plan participants may have a retirement-based delay, while Roth IRAs generally do not require lifetime RMDs while the owner is alive. Beneficiary rules and other plan-specific exceptions can also matter. [1]

Your first RMD is generally due for the year you reach 73, but IRS rules may allow you to delay that first distribution until April 1 of the following year. If you delay, you may need to take two distributions in the same calendar year, the postponed first RMD and the next year’s RMD. [1]

Before your deadline, review your account types, balances, tax impact, withholding, and income needs. We’re here to help you evaluate how RMDs fit into a coordinated retirement-income strategy.

Call 844-8-JARVER
780 Lynnhaven Pkwy, Suite 400
Virginia Beach, VA

Educational information only; not tax, legal, or investment advice. Please consult your qualified tax or financial professional regarding your circumstances.

Sources:
[1] IRS : Retirement Plan and IRA Required Minimum Distributions FAQs: https://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs

Turning 65 is an important milestone: and Medicare timing matters.Medicare’s Initial Enrollment Period generally spans 7...
08/19/2026

Turning 65 is an important milestone: and Medicare timing matters.

Medicare’s Initial Enrollment Period generally spans 7 months: the 3 months before you turn 65, your birthday month, and the 3 months after. Enrolling within the applicable window can help you avoid delayed coverage and potential late-enrollment penalties.[1][2]

Some individuals with qualifying employer coverage may have different options, and Special Enrollment Periods may apply. Your timing and circumstances are unique, so review the official Medicare guidance carefully before making decisions. This post is for general educational purposes only and does not provide individualized coverage advice.

At Jarver Financial, we help clients bring important retirement decisions into a broader, personalized financial plan. For general planning conversations, call 844-8-JARVER or visit us at 780 Lynnhaven Pkwy Suite 400, Virginia Beach, VA.

Sources:
[1] Medicare: https://www.medicare.gov/basics/get-started-with-medicare/sign-up/when-can-i-sign-up-for-medicare
[2] Medicare: https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties

Retirement flexibility is not only about how much you save: it is also about where your savings live.A tax-diversified r...
08/14/2026

Retirement flexibility is not only about how much you save: it is also about where your savings live.

A tax-diversified retirement strategy may draw from three account types:

• Taxable accounts, which can offer accessibility and flexibility.
• Tax-deferred accounts, where taxes are generally paid when funds are withdrawn.
• Tax-exempt accounts, such as qualified Roth assets, which may provide tax-free withdrawals when requirements are met.

Together, these account types can create more options for managing taxable income, adapting to changing circumstances, and supporting your long-term retirement goals.

The right mix depends on your complete financial picture, including income, timelines, legacy goals, and future tax considerations. There is no one-size-fits-all answer: and tax rules can change. We help clients evaluate the trade-offs and build a coordinated strategy around their unique goals.

Call 844-8-JARVER or visit us at 780 Lynnhaven Pkwy, Suite 400, Virginia Beach, VA, to begin the conversation.

Sources: [1] IRS, “Retirement Topics: Tax-Deferred vs. Tax-Exempt,” 2026. [2] Journal of Financial Planning, “Strategic Tax Diversification,” 2025.

Markets can be volatile. Your reaction to them can be even more costly.The behavioral gap is the difference between the ...
08/13/2026

Markets can be volatile. Your reaction to them can be even more costly.

The behavioral gap is the difference between the returns an investment may generate and the returns investors actually earn: often because fear, excitement, and short-term decisions interrupt a sound long-term plan.

Volatility is part of investing. Emotional decision-making is a risk worth planning for. A disciplined process, clear expectations, and guidance aligned with your goals can help you move through uncertainty with greater confidence.

At Jarver Financial, we're committed to helping individuals and families make informed decisions through personalized planning, ongoing education, and thoughtful guidance.

844-8-JARVER
780 Lynnhaven Pkwy, Suite 400
Virginia Beach, VA

Sources: Morningstar, Mind the Gap Study (2025); Vanguard, Advisor's Alpha Research (2026).

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Virginia Beach, VA

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