RWM Wealth Advisors

08/11/2026

You have spent your career building wealth. We make sure the pieces are working together and that the decisions you make over the next decade move you toward the retirement and life you want. Take the next step and call our office.

08/08/2026

Today is International Cat Day. At the request of my daughter, I’m sharing these photos of Jeffrey and Fiona🐈🐈‍⬛.

Please post yours so we can celebrate together!

07/08/2026

This might apply to you if you paid interest or penalties during the pandemic.

If you paid IRS penalties or interest between 2020 and 2023, this deadline applies to you.

07/08/2026

Major student loan changes are set to take effect July 1, bringing updates to borrowing limits, repayment options, and federal aid eligibility.
New rules will limit how much some students and parents can borrow. Parent PLUS loans will be capped at $20,000 per year and $65,000 total per student, while new caps will also apply to graduate and professional degree borrowing.
Repayment options are also changing. New federal loan borrowers will have fewer choices, with options narrowing to a tiered standard repayment structure or a new income-driven option called the Repayment Assistance Program.
Borrowers currently enrolled in SAVE may also need to choose a new repayment option, with loan servicers expected to send notices about next steps.
Pell Grant rules are changing as well, including expanded eligibility for some short-term workforce training programs.
For borrowers and students, the takeaway is simple: watch for communications from loan servicers, confirm contact information is current, and review available options before deadlines arrive.

Source:

Loan revamp affects how much students and families can borrow to pay for college, as well as their repayment options.

07/04/2026

Happy 250th, America!

Money wisdom from Ben Franklin!

06/27/2026

Announcement: Welcoming Bella Rockwell as Our New Client Advocate

RWM Wealth Advisors is excited to welcome Bella Rockwell as our new part‑time Client Advocate. Bella brings an impressive blend of academic drive, professional experience, and personal commitment to service that aligns perfectly with the values we uphold for our clients.

Bella is currently a student‑athlete at Butler University, where she plays lacrosse and is on the pre‑law track, set to graduate in 2028. Alongside her studies, she serves as an intern at The Ohio Access to Justice Foundation, gaining hands‑on experience in advocacy, organization, and client support, skills that translate seamlessly into her new role with us.

In her position at RWM Wealth Advisors, Bella will support our clients and team by managing essential administrative tasks, coordinating appointments, organizing event schedules, and helping us build and refine our SOP manuals for future hires. Her attention to detail, strong work ethic, and genuine care for people make her an outstanding addition to our firm.

We’re proud to have her on board and even prouder to see her continue to grow personally and professionally. Please join us in welcoming Bella to the RWM Wealth Advisors team.

06/16/2026

06/15/2026

Most parents think the last tuition check means game over for college. The data says it's halftime.

50 percent of parents with adult children still provide regular financial support, spending $1,474 a month to do so. That's more than twice what they're putting toward their own retirement.

Here's what "just helping out a little" actually looks like:

✅ 75 percent of parents aged 45+ are financially supporting at least one adult child, even though over half of those children can meet their own basic needs, according to a 2025 AARP survey.

✅ 42 percent of supporting parents report financial stress. 9 percent have retired early because of it.

✅ 47 percent say they've sacrificed their own financial position for the sake of their kids.

✅ 18 percent say the support could continue indefinitely. They don't see an end in sight.

This isn't about being less generous. It's about being intentional.

Whether your kid just graduated, graduated five years ago, or is still in school, the question is the same: Is your support happening by design or by default?

That's worth a conversation.

06/05/2026

Beyond the Numbers: “Why Behavioral Finance is the Next Frontier in Wealth Management.”

Traditional financial planning assumes markets and investors act logically. Real life tells a very different story.

I am incredibly proud to hold the Accredited Behavioral Finance Professional (ABFP®) designation, issued by the College for Financial Planning®, a Kaplan Company. This specialized credential focuses strictly on the psychology, emotions, and cognitive biases that drive real-world economic choices.

For my clients, and especially those navigating complex wealth structures, combining behavioral psychology with elite technical credentials changes the entire planning dynamic:

🔹 Enhancing the CFP® Framework: While comprehensive financial planning maps out what to do, behavioral training unlocks how to stay the course when market anxieties peak.
🔹 Protecting AAMS® Asset Management: Exceptional portfolio design only works if an investor stays disciplined. Behavioral de-biasing techniques prevent self-sabotaging traps like panic-selling during volatile market cycles.
🔹 Empowering CPFA® Retirement Plans: Applying behavioral science to workplace retirement benefits helps maximize plan participation, counter groupthink, and build clearer paths to long-term retirement security.

How This Directly Benefits the Clients I Serve:

1. Mitigates Emotional Decision-Making: We use psychology-informed strategies to replace fear and overconfidence with objective, goal-oriented actions.

2. Exposes Hidden Cognitive Biases: Identifying blind spots like loss aversion keeps your long-term plan grounded in data, not market noise.

3. Navigates High-Stress Life Transitions: True wealth management is emotional. This framework provides deep empathy and steady guidance during major life pivots like retirement, divorce, or losing a spouse.

4. Protects and Preserves Aging Wealth: Advanced training helps identify early signs of cognitive decline, allowing us to proactively protect legacy assets from exploitation or rapid depletion.

Financial success isn't just about picking the right assets; it’s about managing the human behavior behind them.

~Michael J Moore, CFP®, AAMS®, CPFA®, ABFP®