Tolmiros Financial

06/01/2026

What a fantastic night at the 2026 MVYP Gala! We were proud to celebrate alongside so many outstanding individuals and organizations. We're grateful to be part of the Mahoning Valley and the incredible community that makes it thrive.

05/30/2026

05/29/2026

👀📊Check out the potential benefits of starting early and saving consistently. With a 529 plan, even modest monthly contributions can grow significantly over time.

Here are a few points to consider:
📚 529 plans are an effective college savings vehicle with potential tax advantages.
📚Any family member can contribute or even set up a plan (Grandparents love this!).
📚Withdrawals for education expenses are federally and usually state tax-free.
📚Under certain conditions, some funds can now be rolled over into a Roth IRA.

Starting early can make a big difference!



A 529 plan is a tax-advantaged college savings plan. Before choosing a plan, it's important to consider not only the state tax treatment, but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10% federal penalty tax.

05/27/2026

We had a fantastic day on the course last week at Patriot At Home's “Driving Fore Wellness” charity outing! We’re proud to support such a meaningful cause and already looking forward to next year! Thanks for a great day😊

05/25/2026

Memorial Day is a time to pay tribute to those who made the ultimate sacrifice in service to the United States. They will always be remembered. Wishing you and your loved ones a peaceful Memorial Day holiday.

05/22/2026

There's a crossover moment every long-term investor experiences, and it can change how you think about money forever.

It's the point at which your total investment earnings exceed your total contributions, meaning your portfolio is now doing more work than you ever did.

As this chart shows, it doesn't happen overnight. In year 5, earnings are barely visible. But by year 25, earnings have pulled ahead.

The most powerful financial decision you can make isn't picking the right investment. It's staying committed to your strategy long enough to reach that crossover.

Where are you on this chart? Drop a year or decade in the comments.

05/20/2026

We had a wonderful time participating in Bike Belmont this past weekend in Youngstown, Ohio! This incredible community event brings people together to promote health, wellness, and cycling while supporting local initiatives and organizations throughout the area. We are already excited for next year!

05/18/2026

We had a wonderful time celebrating our dear friend Megan Roberts of HD Growth Partners on her nomination for the Athena Awards! It was such a special evening to come together as a team and cheer her on. Congratulations to all of the nominees and the winner! It was a beautiful evening!