Generations Wealth Advisors: Kurt Scardino

04/15/2026

💡Question I get all the time:

Traditional IRA vs. Roth IRA — what’s the difference?

It all comes down to when you pay taxes

Traditional IRA
• Contributions may be tax-deductible today
• Your money grows tax-deferred
• You pay taxes when you withdraw in retirement

Roth IRA
• Contributions are made with after-tax money
• Your investments grow tax-free
• Withdrawals in retirement are tax-free*

👉 Simple way to think about it:
Traditional = tax break now
Roth = tax-free later

*Conditions apply

04/14/2026

💬 Question I get a lot:
“Is $1,000,000 enough to retire today?”

👉The honest answer: it depends more on your lifestyle than the number itself.

For some people, $1M might feel comfortable for retirement. For others—especially with rising healthcare costs, inflation, and longer lifespans—it may not stretch as far as expected

💡 Example:
A retiree withdrawing just $50,000–$60,000 per year could potentially see that $1M last around 15–25 years depending on market performance, inflation, and spending habits.

💬 The real question isn’t “Is $1M enough?”
It’s: “How long do I need my money to last—and what income will I actually need each year?”

📞 If you’re unsure how your retirement numbers stack up, it may be time for a conversation.

04/13/2026

02/16/2026

Monthly Market Insights | February 2026 U.S. and Canadian Markets Stocks climbed in January as the tailwinds of solid economic data offset the headwinds of geopolitical tensions that rattled investors during the month. The Standard & Poor’s 500 Index advanced 1.37 percent, while the Nasdaq Composi...

11/26/2025

Glad to support Colorado County Deputy Santa! Thanks for all you do for the kids!

10/29/2025

The IRS has announced higher federal income tax brackets and standard deductions for 2026. Here's what taxpayers need to know.

10/07/2025

Here is an idea of what closes during a government shutdown!

09/23/2025

Use this article to start conversations about the “backdoor” Roth IRA strategy.

08/18/2025

The One Big Beautiful Bill is here — and it’s packed with changes that could save you money!
📅 Monday, August 25th – 8:15 AM
📻 Tune in to 98.3 for the breakdown and see how it could benefit YOU!

07/31/2025

The One Big Beautiful Bill Act: Key Tax Changes Starting 2025

👍EVERYONE 👍
Standard deduction increases to $15,750 for single filers, and $31,500 for those filing jointly.
State and local tax (SALT) deduction increases to $40,000 (temporary)

👥 SENIORS (65+) 👥
$6,000 bonus deduction (2025-2028)

👨‍💼 WORKERS 👨‍💼
No tax on tips (up to $25,000)
No tax on overtime (up to $12,500 single filer/$25,000 married filing jointly)

🏢 BUSINESS OWNERS 🏢
20 percent qualified business income deduction is now permanent
100 percent capital expensing restored

👨‍👩‍👧‍👦 FAMILIES 👨‍👩‍👧‍👦
Child tax credit increases to $2,200
Dependent care limits increase to $7,500

🏡 ESTATE MANAGEMENT 🏡
Exemption increases to $15 million/$30 million (starts 2026)

IMPORTANT: Some of these changes are temporary (2025-2028). Consult a tax professional for your specific situation.

06/02/2025

Keep more of your hard-earned money! Our Independent Fiduciary Financial Advising offers professional guidance with fees that are, on average, 25% lower than the competition. Lower costs = Smarter investing. Call me today to learn how I can help you reach your financial goals!