Yuma & Imperial Valley Wealth Management

09/24/2026

Come meet John one-on-one in a relaxed, welcoming environment and bring along any questions you’ve been wanting to ask. Whether you’re looking for general guidance, want to better understand your financial picture, or simply want to start a conversation, this is an easy opportunity to connect.

Coffee on Us: You bring the questions; I buy the coffee. ☕️
Join John tomorrow 9-25 at Creation Coffee Co. from 10:00–11:30 AM.

09/23/2026

The plan with the lowest monthly premium isn’t always the one that saves you the most money.

A plan might look great on paper, but once you add in your doctors, prescriptions, and what you’ll actually pay out of pocket, the numbers can shift fast.

That’s why open enrollment is about more than just comparing monthly premiums.

See five things to look at before choosing your coverage for the year ahead: https://www.yivwm.com/insights/blog/5-tips-for-getting-the-right-medicare-coverage-this-open-enrollment-season/

09/18/2026

A retirement budget can look solid on paper and still miss what your lifestyle actually costs.

More time at home can mean higher utilities. More free time can turn into more dinners out, projects, or trips. Those little extras can add up faster than expected.

Instead of starting with what you think you’ll spend, it may help to look at what your current lifestyle is really costing you.

See the tips that can help you build a more realistic retirement spending plan: https://www.yivwm.com/insights/blog/dont-blow-your-budget-tips-to-create-your-retirement-spending-plan/

09/18/2026

We’re grateful to celebrate 3 years with Kay Pallack! 🎉

Kay’s constant positive attitude, dedication, and genuine care for those around her make such a meaningful difference to our team and the clients she works with. We truly appreciate the energy and encouragement she brings each day.
Happy 3-year anniversary, Kay! We are lucky to have you as part of YIV.

09/17/2026

Join us for a complimentary Social Security Workshop Next Week 9/24:
https://financeinsights.net/K3XWCjlw0h073Lq
Click to register!

Where we'll cover:
✔️ Timing
✔️ Common Questions
✔️ Social Security Claiming Considerations

📅 Thursday, September 24, 2026
⏰ 5:30 PM – 6:30 PM
📍 Main Library Yuma - 2951 S 21st Dr, Yuma, AZ 85364

Join us for an educational seminar focused on helping you better understand Social Security and the role it may play in your overall retirement planning.

09/16/2026

You’ve probably spent years thinking about how much you’ll need for retirement.

It’s also worth thinking about how taxes could affect that money once you start using it.

From withdrawals and Social Security to Medicare and estate planning, here are 8 areas to review as you get closer to retirement: https://www.yivwm.com/insights/blog/8-tax-planning-considerations-every-pre-retiree-should-know/

09/01/2026

25 years ago today, Tom took a vision and an unwavering determination to build something that would stand the test of time. Through long days, changing markets, challenges, and countless milestones, his leadership and persistence has shaped the firm into what it is today. None of that would be possible without the incredible team, past and present, who have helped carry that vision forward.

08/29/2026

You probably have a good idea of how much you’ve saved for retirement.

But that number is only part of the story.

Your income, how much you’re still saving, what you expect to spend, and how you invest can all affect the picture.

Answer six quick questions to get a better sense of your retirement readiness: https://www.yivwm.com/retirement-planning-quiz/

08/28/2026

Blog: How to Leverage Tax-Advantaged Accounts

Retirement might be your main goal, but it’s probably not the only one.

You may also be planning for healthcare costs, college for a child or grandchild, or other long-term needs.

That’s where tax-advantaged accounts come in. A 401(k), Roth IRA, HSA, or 529 can each offer different tax benefits depending on the account and how it’s used.

See how these accounts work across different parts of your financial plan:
https://www.yivwm.com/insights/blog/how-to-leverage-tax-advantaged-accounts/

08/26/2026

Ten years from retirement, you still have time to save, adjust, and think seriously about the life you want to fund.

Five years out, the conversation gets more practical. What will you spend? Where will your income come from? Are you on track?

With one year to go, it’s time to start putting more of the plan into motion and even “test drive” what retirement might feel like.

See what may deserve your attention at each stage: https://www.yivwm.com/insights/blog/what-you-need-to-do-10-5-and-1-year-before-retirement/