Semmax Financial Group

09/02/2026

Labor Day is a chance to recognize the work that builds and sustains our communities, and to spend a day with the people who matter most. The values behind the holiday, hard work, service, and family, are the same ones we share with the families we work with.

In observance of Labor Day, the Semmax offices will be closed on Monday, September 7. As with the NYSE and NASDAQ holiday schedules, we will resume normal business hours on Tuesday, September 8.

We hope the long weekend gives you time to rest and enjoy good company. From all of us in Winston-Salem and Greensboro, thank you for allowing us to be part of your family's financial journey.

09/02/2026

Last week we talked about Convertine Roth IRAs in Retirement - have a listen and don't miss Matt Landon, CFP® every Thursday during the 4pm newscast.

09/01/2026

You gave about the same amount this year. Your deduction shrank.
A new floor took effect in 2026. If you itemize, only the giving above half a percent of your income counts. On $200,000 of income, the first $1,000 is gone.
If you don’t itemize, you gained something instead. Up to $1,000, or $2,000 for a couple. It has to go straight to the charity, not into a donor-advised fund.
Over 70 and a half with an IRA? Giving from the IRA skips both rules. It never becomes income, so the floor cannot touch it. Ask your CPA which side of that floor you land on before you write the next check.

Watch the full episode of episode: https://youtu.be/VO9zyzTIs0E

09/01/2026

Taxes may be your biggest expense in retirement, and most retirees don’t even see it coming. Join us for Taxes, Inflation & Retirement, an exclusive workshop at the High Point City Lake Park Meeting and Events Center in Jamestown, NC, where we’ll reveal how retirees can reduce unnecessary taxes, protect their portfolios, and avoid common mistakes that derail even the best-laid plans.

Register for one of two available times at semmax.com/educational-workshops or call our office at 336-856-0080

08/29/2026

Giving is more than a moment. It is a decision that can shape impact for years to come. This conversation reframes philanthropy as intentional, personal, and powerful. Learn how thoughtful giving, strong stewardship, and long-term planning can turn even modest contributions into meaningful, lasting results for the causes that matter most.

Read the full blog on How Philanthropy Creates Lasting Impact and Legacy on this weeks

Learn how intentional giving, strong stewardship, and long-term planning can turn charitable donations into lasting impact and meaningful legacy.

08/28/2026

"Nature does not hurry, yet everything is accomplished." — Lao Tzu
A good reminder that the best things, gardens, habits, financial plans, rarely come from rushing. They come from showing up, a little at a time, and trusting the process.

When you are ready, let's connect!

08/27/2026

Most people think about giving in terms of dollars.
Fewer people think about it in terms of assets.
Cash isn't the only way to give, and depending on what you give, it might not be the most efficient way. Something worth a second look before year-end plans start locking in.

08/26/2026

Roth Conversions are always a great topic of interest, Matt and Tanya talked about them last week on WFMY, catch the replay here and don't miss these segments live every Thursday during the 4pm newscast.

08/25/2026

One pan, twenty-five minutes, and dinner's done. As the schedule fills back up, this sheet-pan dinner makes the most of end-of-summer corn and tomatoes before they're gone. Simple enough for a weeknight, good enough to make again. Enjoy the recipe below:

Sheet-Pan Sausage & Summer Veggie Dinner

Ingredients (Serves 4)
-4 links smoked sausage, Italian chicken sausage, or vegetarian sausage, sliced into rounds
-2 ears corn, cut into thirds
-2 cups cherry tomatoes
-1 medium zucchini or yellow squash, sliced
-1 red bell pepper, chopped
-3 tbsp olive oil
-1 tsp garlic powder
-1 tsp smoked paprika
-Salt and pepper, to taste
-Fresh basil, chopped, for serving

Instructions
-Preheat oven to 425 degrees.
-On a large sheet pan, toss sausage, corn, tomatoes, squash, and bell pepper with olive oil, garlic powder, paprika, salt, and pepper.
-Spread in a single layer and roast for 20-25 minutes, stirring halfway through, until vegetables are tender and sausage is browned.
-Top with fresh basil before serving.

08/22/2026

Unexpected expenses can force tough decisions. Pulling from retirement savings may solve a short-term need, but it comes with tradeoffs. Taxes, penalties, and lost growth all matter. The right move starts with understanding why you need the money and how it impacts your long-term plan.
Read the blog below:

https://semmax.com/resources/articles/how-to-tap-retirement-savings-without-breaking-your-plan

Learn when to tap retirement savings, how to avoid penalties, and strategies to protect your long-term financial plan during unexpected expenses.