District Wealth Strategies

08/14/2026

Do you know how to avoid internet fraud? Janet does. Learn how to keep yourself safe from data thieves of all kinds.

Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic.

08/13/2026

Trying to squeeze in one last getaway before back‑to‑school chaos? Before you book, try these cost‑smart moves.

08/13/2026

Explore the latest long-term care statistics every family should know. Real data on costs, needs, and impact. Get your copy here: https://bit.ly/4wWNLr8

08/12/2026

Most families have the same strategy for long-term care: deal with it when it happens. The problem is, by the time it happens, the choices have already narrowed.

Nearly 70 percent of today's 65-year-olds will need some form of long-term care, according to a 2025 study by Schwab.

The median cost of a private nursing home room is $116,800 per year.

An in-home health aide runs $75,504 annually.

With the average need lasting three years, you're looking at $226,000 to $350,000 at today's prices, and that number only grows over time.

Most people know it's coming. They just don't want to think about it.

And while they wait, premiums rise, health conditions develop that can limit eligibility, and options quietly disappear.

A few things worth knowing now:

• LTC insurance can be most cost-effective when purchased sooner rather than later

• HSA funds can be used to pay LTC premiums

• Hybrid policies offer alternatives if you prefer more flexibility

There is no coverage that works retroactively. The conversation your family keeps putting off is worth having before the decision gets made for you.

08/11/2026

What steps might help you sustain and grow your retirement savings? This piece explores them.

Steps to help you sustain and grow your retirement savings.

08/10/2026

Last week, U.S. stocks moved higher, supported by easing concerns around interest rates, encouraging corporate earnings, and improving sentiment around global trade and energy supply. Economic data pointed to a moderating labor market, while lower oil prices helped ease inflation concerns. Read this week’s market perspective to learn more.

08/10/2026

If you died, what would happen to your email archives, social profiles, and online accounts?

If you died, what would happen to your email archives, social profiles and online accounts?

08/10/2026

Most of the conversation around college savings is about whether you're saving enough. Fewer people talk about what happens when a 529 plan outlasts the beneficiary’s education needs.

Maybe your child earned a scholarship. Maybe they chose a less expensive school. Maybe the plan changed entirely.

However it happened, you built this account carefully, and now it has more in it than you need.

For years, your options were limited: take a taxable distribution and pay a 10 percent penalty on earnings, or change the beneficiary and hope someone else uses it.

SECURE 2.0 added a third option. Not everyone knows that you can roll unused 529 funds directly into a Roth IRA for the account's beneficiary.

Here's what to know:

• $35,000 lifetime cap per beneficiary

• The account must be at least 15 years old

• Annual rollovers are capped at that year's Roth IRA contribution limit ($7,500 in 2026)

• Only contributions made at least 5 years before the transfer date qualify

• No income limits apply (unlike regular Roth contributions)

This doesn't happen overnight.

If your 529 has more in it than your child will use, it may be worth a conversation before that money sits idle any longer.

• A 529 plan is a tax-advantaged education 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 percent federal penalty tax.

• To qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

08/10/2026

Business growth, family changes, and new responsibilities can all impact how well an estate plan still fits your business and your life. A periodic review can help ensure your plan reflects where life and business are today — not years ago.

Let’s review your options.

08/07/2026

Updated your estate strategy for a second marriage? You may not be caring for dependents from your previous one.

Second marriages are a trigger event to revisit any existing estate strategies.