HonorPoint Financial

08/19/2026

Proud to sponsor the Valley Board of Realtors Instructor Development Workshop with Peggy Ann McConnochie this October!

Two days of real, practical training on how to teach better, whether that’s recognizing different learner types, adapting instructional strategies, or building real estate workshops that actually stick with people. Early bird pricing is available through September 30th.

Investing in the people who train the next generation of professionals in our industry is exactly the kind of local partnership HonorPoint is proud to be part of. Grateful to be alongside Stewart Title Mat-Su Valley, Alaska, Ignite Your Fire, and First American Title - Alaska as sponsors.

Learn more and register: www.valleyboardofrealtors.org

08/04/2026

A lot of families are about to leave money on the table.

The Child and Dependent Care Credit is becoming much more valuable in 2026, but only if you can document your qualifying expenses.

The expense limits haven't changed, but the maximum credit increases by more than 40%:

• One child/dependent: up to $1,500 (previously $1,050)
• Two or more: up to $3,000 (previously $2,100)

If you're paying for daycare, after-school care, or qualifying summer programs so you can work, now is the time to organize those records.

A shoebox of receipts in April is not a tax strategy.

07/30/2026

They walked in feeling defeated. Five months from now, they’ll be house hunting again, and this time with confidence.

When this client first sat down with us, they’d heard “not right now” more than once. They were bracing for another conversation about everything working against them.

Instead, we sat down together and ran a full cash flow analysis and mortgage readiness review. We looked at where their money was actually going, what could change quickly, and what needed a little more time.

What surprised them most? They weren’t disappointed. They were relieved. For the first time, “not yet” came with an actual plan instead of just a closed door.

They now have a goal date on the calendar. Not a vague someday, a real month they’re working toward.

That’s what we love about this work. Most people don’t need to be told no. They need someone to sit down, do the math with them, and build a path forward. 🏡

07/07/2026

We have some exciting news! HonorPoint Financial LLC is officially a registered investment adviser in the State of Alaska.
That means we can now help with ongoing investment management and financial planning, not just tax prep and coaching. Whether you’re in the Mat-Su Valley or anywhere else in Alaska, we’re here to help you build a plan you actually understand and trust.

Thank you for being part of this journey with us. Reach out anytime; we’d love to help.

06/20/2026

Hey Matsu Valley! 👋

I’m hosting a free class on July 16 — “When Lenders Say No” — designed for local real estate agents and professionals.

When a buyer gets declined, the conversation doesn’t have to end there. This class gives agents the tools to understand what happened, set realistic expectations, and build a real path forward for their clients.

Only 10 seats so it stays small and useful.

👉 Register: portal.honorpointfinancial.com/lender-says-no

Know an agent in the Valley who’d benefit? Tag them below!

05/24/2026

If you haven’t filed your taxes in a year or two, or five, you’re not alone. And you’re not out of options.

Most people who fall behind do so because life got complicated. A bad year. A business that got messy. Not knowing what you owed and not wanting to find out. The longer it sits, the harder it feels to start.

But it’s more fixable than most people think.

As an Enrolled Agent, I’m federally licensed to represent taxpayers directly before the IRS. That means I can help get your returns filed, your account squared away, and that low-grade anxiety of “what happens if they come looking” finally off your plate.

The off-season is actually the best time to tackle this. No rush, no tax season chaos. Just a real conversation about where you’re at and a clear plan to get right.

Free consultation. No judgment.

This meeting will be a 30 minute phone call to discuss your financial goals and challenges, and determine what would be the best usage of our services. There is no cost or obligation to continue with our services with this appointment.Initial consultations are limited to one per household. If you’...

01/25/2026

Seeing a lot of bigger-than-expected tax refunds this year—especially in Alaska.

One major reason: the no tax on overtime deduction.

If you worked a lot of overtime on the slope, in the fields, or in rotational work, this change is showing up in a noticeable way on early returns.

Quick reminder though:
A bigger refund doesn’t always mean a permanent pay increase.

This kind of windfall can be a great opportunity—if you slow down and make a plan for it instead of letting it disappear.

Debt payoff, emergency savings, or planning ahead for next year can make a real difference.

If you’re unsure what the “right” move is for your situation, I’m happy to help you think it through.

01/23/2026

A lot of people hear the word “Roth” and think:

“Tax-free later must always be better.”

Sometimes that’s true.
But sometimes the story is more complicated.

I recently reviewed a situation (details changed, of course):

Someone wanted to leave a large inheritance to their daughter. They had:
• a big pre-tax retirement account, and
• a big taxable investment account with lots of unrealized gains

Their plan was to convert large amounts to Roth so the inheritance would be “tax-free.”

On the surface, that sounds great.

But here was the wrinkle:
The taxable account had over $1M in unrealized gains — and if those assets are held until death, many of those gains may get a step-up in basis… meaning the tax on them could disappear for the heir.

So the question shifted from:

❌ “How much Roth can we convert?”

to:

✅ “Which taxes are we avoiding… and which ones are we creating?”

Roth conversions can remove future taxes — but you pay tax today.
Step-up in basis can remove some taxes later — but only in certain situations.
Inherited retirement accounts also have distribution rules to think about.

Big takeaway:
There is no universal “Roth is always best” answer.

It depends on timing, goals, heirs, assets, and trade-offs.

Sometimes Roth now makes sense.
Sometimes later.
Sometimes… not at all.

What matters most is slowing down long enough to understand which tax you’re actually trying to avoid — and when.

Have you ever been surprised at how different the Roth conversation looks when inheritance and step-up get involved?

Send a message to learn more