https://mpmwealth.com/insights/blog Articles on retirement income, Social Security, Roth conversions, Medicare, and tax planning from MPM Wealth Advisors in Toledo, OH. en-us Mon, 28 Sep 2026 19:30:31 GMT https://mpmwealth.com/insights/blog/year-end-tax-planning-briefing https://mpmwealth.com/insights/blog/year-end-tax-planning-briefing Thu, 12 Nov 2026 17:00:00 GMT Roth conversion windows, charitable giving (QCDs and DAFs), tax-loss harvesting, and the December 31 checklist. https://mpmwealth.com/insights/blog/client-appreciation-evening-2026 https://mpmwealth.com/insights/blog/client-appreciation-evening-2026 Thu, 08 Oct 2026 21:30:00 GMT An annual evening for MPM clients and their guests. No agenda, no presentations, just a thank-you from our team. https://mpmwealth.com/insights/blog/business-owner-exit-roundtable https://mpmwealth.com/insights/blog/business-owner-exit-roundtable Thu, 17 Sep 2026 12:00:00 GMT A semi-annual roundtable for owners considering a sale, succession, or transition in the next 3 to 7 years. https://mpmwealth.com/insights/blog/retirement-income-workshop-q3 https://mpmwealth.com/insights/blog/retirement-income-workshop-q3 Thu, 18 Jun 2026 22:00:00 GMT A 90-minute working session on Social Security timing, withdrawal sequencing, healthcare costs, and the order to spend down accounts in retirement. https://mpmwealth.com/insights/blog/widow-widower-conversation-q2 https://mpmwealth.com/insights/blog/widow-widower-conversation-q2 Thu, 04 Jun 2026 17:00:00 GMT A confidential, low-pressure conversation about the financial decisions that follow loss. https://mpmwealth.com/insights/blog/social-security-medicare-webinar https://mpmwealth.com/insights/blog/social-security-medicare-webinar Fri, 22 May 2026 16:00:00 GMT A live, one-hour webinar covering the four Medicare decisions, IRMAA brackets, and spousal and survivor Social Security strategies. https://mpmwealth.com/insights/blog/pre-retiree-runway-may https://mpmwealth.com/insights/blog/pre-retiree-runway-may Fri, 08 May 2026 21:30:00 GMT A monthly small-group session for those within five years of retirement. Practical, hands-on, no slides. https://mpmwealth.com/insights/blog/five-year-retirement-runway https://mpmwealth.com/insights/blog/five-year-retirement-runway Wed, 22 Apr 2026 00:00:00 GMT George Damasco The five years before retirement matter more than almost any other window. Here is the tax, healthcare, and cash-flow checklist we walk Toledo families through. https://mpmwealth.com/insights/blog/social-security-when-to-file https://mpmwealth.com/insights/blog/social-security-when-to-file Wed, 18 Mar 2026 00:00:00 GMT Chelsea Heintschel Most filing decisions get framed as math. The better framing is risk, longevity, survivor benefits, and the spouse left behind. https://mpmwealth.com/insights/blog/roth-conversion-decision https://mpmwealth.com/insights/blog/roth-conversion-decision Wed, 11 Feb 2026 00:00:00 GMT George Damasco Roth conversions can save a household six figures, or cost you money. Here is when they make sense, and when they don't. https://mpmwealth.com/insights/blog/inherited-ira-10-year-rule https://mpmwealth.com/insights/blog/inherited-ira-10-year-rule Wed, 28 Jan 2026 00:00:00 GMT Chelsea Heintschel If you inherited an IRA after 2019, the SECURE Act changed everything. Here is what most beneficiaries miss. https://mpmwealth.com/insights/blog/medicare-at-65 https://mpmwealth.com/insights/blog/medicare-at-65 Fri, 09 Jan 2026 00:00:00 GMT Sean Shinaberry Original Medicare vs. Advantage. Part D. Medigap. IRMAA. The choices in your initial enrollment window are sticky and expensive to undo. https://mpmwealth.com/insights/blog/coordinating-cpa-attorney-advisor https://mpmwealth.com/insights/blog/coordinating-cpa-attorney-advisor Mon, 15 Dec 2025 00:00:00 GMT Ryan Stoller The biggest planning failures we see aren't bad advice. They're uncoordinated advice. Here is how a fiduciary advisor brings it together. https://mpmwealth.com/insights/blog/medicare-101-webinar https://mpmwealth.com/insights/blog/medicare-101-webinar Invalid Date Watch the full Medicare 101 webinar recording and download the presentation slides. https://mpmwealth.com/insights/blog/why-estate-planning-matters https://mpmwealth.com/insights/blog/why-estate-planning-matters Invalid Date An overview of why every family needs an estate plan and the core documents that make it work. https://mpmwealth.com/insights/blog/estate-planning-checklist https://mpmwealth.com/insights/blog/estate-planning-checklist Invalid Date A one-page checklist of the documents and decisions every estate plan should address. https://mpmwealth.com/insights/blog/guide-to-non-charitable-gifting https://mpmwealth.com/insights/blog/guide-to-non-charitable-gifting Invalid Date How to give to family and individuals during your lifetime in a way that aligns with your estate plan and tax picture. https://mpmwealth.com/insights/blog/life-insurance-overview https://mpmwealth.com/insights/blog/life-insurance-overview Invalid Date A short, plain-English overview of how life insurance fits into a financial plan and when it's actually needed. https://mpmwealth.com/insights/blog/life-insurance-calculator https://mpmwealth.com/insights/blog/life-insurance-calculator Invalid Date A step-by-step worksheet for sizing how much life insurance your family actually needs. https://mpmwealth.com/insights/blog/cybersecurity-scam-guide https://mpmwealth.com/insights/blog/cybersecurity-scam-guide Invalid Date How to recognize the seven most common online scams targeting investors — and the steps to take if you become a victim. https://mpmwealth.com/insights/blog/2026-tax-quick-reference https://mpmwealth.com/insights/blog/2026-tax-quick-reference Invalid Date A one-glance reference for 2026 brackets, standard deductions, retirement contribution limits, and key thresholds. https://mpmwealth.com/insights/blog/year-end-tax-moves https://mpmwealth.com/insights/blog/year-end-tax-moves Invalid Date The moves worth making before December 31 — Roth conversions, charitable giving, harvesting, and RMDs. https://mpmwealth.com/insights/blog/annual-financial-checklist https://mpmwealth.com/insights/blog/annual-financial-checklist Invalid Date The once-a-year review every household should run on cash flow, beneficiaries, coverage, and goals. https://mpmwealth.com/insights/blog/wealth-building-rules-of-thumb https://mpmwealth.com/insights/blog/wealth-building-rules-of-thumb Invalid Date Savings rates, emergency-fund sizing, debt rules, and the milestones that keep a plan on track. https://mpmwealth.com/insights/blog/job-change-401k-rollover https://mpmwealth.com/insights/blog/job-change-401k-rollover Invalid Date Your four options when you leave an employer — and the tax traps that catch most people. https://mpmwealth.com/insights/blog/rmds-explained https://mpmwealth.com/insights/blog/rmds-explained Invalid Date Required Minimum Distributions in plain English — ages, calculations, penalties, and QCDs. https://mpmwealth.com/insights/blog/social-security-filing-guide https://mpmwealth.com/insights/blog/social-security-filing-guide Invalid Date Filing ages, spousal and survivor strategies, and the trade-offs most break-even charts miss. https://mpmwealth.com/insights/blog/medicare-guide https://mpmwealth.com/insights/blog/medicare-guide Invalid Date Original Medicare vs. Advantage, Part D, Medigap, IRMAA — the four decisions that follow you for life. https://mpmwealth.com/insights/blog/estate-essentials-checklist https://mpmwealth.com/insights/blog/estate-essentials-checklist Invalid Date The documents, beneficiaries, and conversations every estate plan should cover. https://mpmwealth.com/insights/blog/healthcare-directive-worksheet https://mpmwealth.com/insights/blog/healthcare-directive-worksheet Invalid Date A guided worksheet for thinking through medical decisions before you need to make them. https://mpmwealth.com/insights/blog/leaving-it-well https://mpmwealth.com/insights/blog/leaving-it-well Invalid Date Beyond the will: the practical, emotional, and logistical work of leaving things in good order. https://mpmwealth.com/insights/blog/life-insurance-rules-of-thumb https://mpmwealth.com/insights/blog/life-insurance-rules-of-thumb Invalid Date How much coverage you actually need, for how long, and which kind. https://mpmwealth.com/insights/blog/term-life-insurance https://mpmwealth.com/insights/blog/term-life-insurance Invalid Date What term insurance is, what it costs, and when it's the right tool for the job. https://mpmwealth.com/insights/blog/disability-insurance https://mpmwealth.com/insights/blog/disability-insurance Invalid Date Your paycheck is your biggest asset — here's how to insure it. https://mpmwealth.com/insights/blog/long-term-care-planning https://mpmwealth.com/insights/blog/long-term-care-planning Invalid Date The four ways to fund care — insurance, self-funding, hybrid policies, and Medicaid planning. https://mpmwealth.com/insights/blog/umbrella-insurance https://mpmwealth.com/insights/blog/umbrella-insurance Invalid Date When a $1–5M umbrella policy is the cheapest planning move you can make. https://mpmwealth.com/insights/blog/college-savings-with-a-529 https://mpmwealth.com/insights/blog/college-savings-with-a-529 Invalid Date How 529 plans work, who should fund them, and the new rules around leftover balances. https://mpmwealth.com/insights/blog/talking-money-with-your-spouse https://mpmwealth.com/insights/blog/talking-money-with-your-spouse Invalid Date A short guide to the conversations most couples avoid — and the questions that make them easier. https://mpmwealth.com/insights/blog/what-matters-to-you https://mpmwealth.com/insights/blog/what-matters-to-you Invalid Date A guided worksheet for clarifying what your money is actually for. https://mpmwealth.com/insights/blog/your-money-story https://mpmwealth.com/insights/blog/your-money-story Invalid Date The beliefs about money you inherited — and how they shape the decisions you make today. https://mpmwealth.com/insights/blog/client-worksheet-to-prioritize-values https://mpmwealth.com/insights/blog/client-worksheet-to-prioritize-values Invalid Date A short exercise for ranking what you most want your money to do. https://mpmwealth.com/insights/blog/the-house-we-build-for-you https://mpmwealth.com/insights/blog/the-house-we-build-for-you Invalid Date Our planning philosophy in one short piece — the foundation, walls, and roof of a financial plan. https://mpmwealth.com/insights/blog/cost-of-timing-the-market https://mpmwealth.com/insights/blog/cost-of-timing-the-market Invalid Date What missing the best 10, 25, or 50 days has actually done to long-term returns. https://mpmwealth.com/insights/blog/when-the-market-drops https://mpmwealth.com/insights/blog/when-the-market-drops Invalid Date What to do — and what not to do — when headlines turn red. https://mpmwealth.com/insights/blog/the-volatility-playbook https://mpmwealth.com/insights/blog/the-volatility-playbook Invalid Date The long view on volatility: history, behavior, rebalancing, and the moves that actually help. https://mpmwealth.com/insights/blog/where-your-attention-went https://mpmwealth.com/insights/blog/where-your-attention-went Invalid Date A reflective piece on the news cycle, the things you worried about, and what actually happened. https://mpmwealth.com/insights/blog/the-science-behind-your-portfolio https://mpmwealth.com/insights/blog/the-science-behind-your-portfolio Invalid Date The research, the premiums, and the design choices behind the portfolios we build. https://mpmwealth.com/insights/blog/the-bonds-in-your-portfolio https://mpmwealth.com/insights/blog/the-bonds-in-your-portfolio Invalid Date Why you own bonds, how they actually behave, and what to expect across rate environments. https://mpmwealth.com/insights/blog/dfa-scientific-pursuit https://mpmwealth.com/insights/blog/dfa-scientific-pursuit Invalid Date Dimensional's overview of how research informs portfolio design. https://mpmwealth.com/insights/blog/dfa-fund-landscape https://mpmwealth.com/insights/blog/dfa-fund-landscape Invalid Date How active, index, and systematic funds have actually delivered over long periods. https://mpmwealth.com/insights/blog/dfa-cost-of-timing https://mpmwealth.com/insights/blog/dfa-cost-of-timing Invalid Date What missing a handful of the best trading days does to long-term returns. https://mpmwealth.com/insights/blog/dfa-history-of-gains https://mpmwealth.com/insights/blog/dfa-history-of-gains Invalid Date What 1, 3, and 5-year returns have looked like after market drops of 10%, 20%, and 30%. https://mpmwealth.com/insights/blog/dfa-size-value-profitability-retirement https://mpmwealth.com/insights/blog/dfa-size-value-profitability-retirement Invalid Date How focusing on known premiums can improve retirement outcomes. https://mpmwealth.com/insights/blog/dfa-small-cap-big-difference https://mpmwealth.com/insights/blog/dfa-small-cap-big-difference Invalid Date The historical return premium of small companies and what it has meant for long-term investors. https://mpmwealth.com/insights/blog/dfa-which-country-outperform https://mpmwealth.com/insights/blog/dfa-which-country-outperform Invalid Date Why country-picking is a losing game — and what global diversification actually buys you. https://mpmwealth.com/insights/blog/dfa-attention https://mpmwealth.com/insights/blog/dfa-attention Invalid Date What the data says about checking your portfolio less often. https://mpmwealth.com/insights/blog/dfa-passive-aggressive https://mpmwealth.com/insights/blog/dfa-passive-aggressive Invalid Date What really drives index-fund returns — and the hidden activity inside passive vehicles. https://mpmwealth.com/insights/blog/dfa-expectations-vs-reality https://mpmwealth.com/insights/blog/dfa-expectations-vs-reality Invalid Date What index investors expect, and what they actually get over the long run. https://mpmwealth.com/insights/blog/dfa-tracking-error https://mpmwealth.com/insights/blog/dfa-tracking-error Invalid Date Why deviating from a benchmark is sometimes the smarter choice. https://mpmwealth.com/insights/blog/dfa-stock-picking-indexing-dimensional https://mpmwealth.com/insights/blog/dfa-stock-picking-indexing-dimensional Invalid Date How systematic investing differs from both active and passive approaches. https://mpmwealth.com/insights/blog/dfa-three-reasons-models https://mpmwealth.com/insights/blog/dfa-three-reasons-models Invalid Date What makes Dimensional's model portfolios different from a typical fund-of-funds. https://mpmwealth.com/insights/blog/dfa-models-low-turnover https://mpmwealth.com/insights/blog/dfa-models-low-turnover Invalid Date How the models balance tax efficiency with active trading decisions. https://mpmwealth.com/insights/blog/dfa-three-sources-alpha-merton https://mpmwealth.com/insights/blog/dfa-three-sources-alpha-merton Invalid Date Nobel laureate Robert Merton on where value really comes from in portfolio management. https://mpmwealth.com/insights/blog/dfa-systematic-fixed-income https://mpmwealth.com/insights/blog/dfa-systematic-fixed-income Invalid Date How a systematic approach can deliver higher expected returns in bond portfolios. https://mpmwealth.com/insights/blog/dfa-higher-expected-returns-fi https://mpmwealth.com/insights/blog/dfa-higher-expected-returns-fi Invalid Date The evidence for term and credit premiums and how to capture them. https://mpmwealth.com/insights/blog/dfa-flexible-fixed-income https://mpmwealth.com/insights/blog/dfa-flexible-fixed-income Invalid Date Variable maturity strategies designed to adapt to changing yield environments. https://mpmwealth.com/insights/blog/dfa-hikes-to-cuts https://mpmwealth.com/insights/blog/dfa-hikes-to-cuts Invalid Date How variable-maturity bond strategies have behaved across rate cycles. https://mpmwealth.com/insights/blog/dfa-mean-reversion-fi https://mpmwealth.com/insights/blog/dfa-mean-reversion-fi Invalid Date Whether yield premiums revert — and what that means for portfolio positioning. https://mpmwealth.com/insights/blog/dfa-global-bond-drivers https://mpmwealth.com/insights/blog/dfa-global-bond-drivers Invalid Date What actually explains returns across developed-market government bonds. https://mpmwealth.com/insights/blog/dfa-retirement-myths https://mpmwealth.com/insights/blog/dfa-retirement-myths Invalid Date The conventional wisdom on retirement allocations — and what the research actually shows. https://mpmwealth.com/insights/blog/dfa-retirement-inflation-rates https://mpmwealth.com/insights/blog/dfa-retirement-inflation-rates Invalid Date How inflation, rates, and equity risk interact across a retirement timeline. https://mpmwealth.com/insights/blog/financial-advisor-in-estate-planning https://mpmwealth.com/insights/blog/financial-advisor-in-estate-planning Mon, 28 Sep 2026 13:54:33 GMT George T. Damasco A financial advisor typically works alongside your estate planning attorney and CPA, helping translate your goals into a plan. https://mpmwealth.com/insights/blog/first-year-of-retirement-financial-changes https://mpmwealth.com/insights/blog/first-year-of-retirement-financial-changes Mon, 21 Sep 2026 17:08:00 GMT Sean S. Shinaberry A practical look at what shifts financially in the first year of retirement, from income planning to Medicare enrollment. https://mpmwealth.com/insights/blog/financial-checklist-parent-needs-care https://mpmwealth.com/insights/blog/financial-checklist-parent-needs-care Mon, 14 Sep 2026 13:19:00 GMT Chelsea Ohm Heintschel, CFP® A practical financial checklist for adult children to prepare before a parent needs care, covering accounts, power of attorney, and documentation. https://mpmwealth.com/insights/blog/never-forget-911-memorial-ohio https://mpmwealth.com/insights/blog/never-forget-911-memorial-ohio Fri, 11 Sep 2026 17:28:00 GMT Chelsea Ohm Heintschel, CFP® We are proud to share the inspiring story of Myrta Gschaar, a long-time friend and valued client of MPM. Myrta’s dedication to honoring the nearly 3,000 lives lost on September 11, 2001, is a mission we are honored to support. https://mpmwealth.com/insights/blog/what-long-term-care-can-cost https://mpmwealth.com/insights/blog/what-long-term-care-can-cost Mon, 07 Sep 2026 23:11:00 GMT George T. Damasco A plain-language look at long-term care costs in Ohio and nationally, and why planning ahead may protect your retirement. https://mpmwealth.com/insights/blog/what-is-a-financial-advisor https://mpmwealth.com/insights/blog/what-is-a-financial-advisor Fri, 28 Aug 2026 18:12:00 GMT Chelsea Ohm Heintschel, CFP® A look at what a financial advisor does, how fees typically work, and what a structured retirement planning process looks like in practice. https://mpmwealth.com/insights/blog/how-much-cash-should-you-keep-in-retirement https://mpmwealth.com/insights/blog/how-much-cash-should-you-keep-in-retirement Mon, 24 Aug 2026 14:42:12 GMT George T. Damasco How much cash should you keep in retirement? A plain-language look at the bucket strategy and what a reasonable cash reserve looks like. https://mpmwealth.com/insights/blog/what-is-sequence-of-returns-risks https://mpmwealth.com/insights/blog/what-is-sequence-of-returns-risks Mon, 17 Aug 2026 03:00:00 GMT Sean S. Shinaberry Sequence of returns risk shapes how long retirement savings last. Here is what it means, why timing matters, and how to think about it. https://mpmwealth.com/insights/blog/staying-invested-market-volatility https://mpmwealth.com/insights/blog/staying-invested-market-volatility Sun, 09 Aug 2026 15:00:00 GMT Chelsea Ohm Heintschel, CFP® Market swings feel unsettling in the moment. Six historically grounded principles to help you keep perspective when volatility hits. https://mpmwealth.com/insights/blog/how-to-help-your-adult-children https://mpmwealth.com/insights/blog/how-to-help-your-adult-children Mon, 03 Aug 2026 05:00:00 GMT Chelsea Ohm Heintschel, CFP® From gift tax exclusions to 529 rollovers, here are practical, tax-aware ways to support adult children while protecting your retirement plan. https://mpmwealth.com/insights/blog/retirement-income-plan https://mpmwealth.com/insights/blog/retirement-income-plan Mon, 27 Jul 2026 23:51:00 GMT Chelsea Ohm Heintschel, CFP® Saving for retirement is one challenge. Turning those savings into reliable income is another. Here is how a retirement income plan actually works. https://mpmwealth.com/insights/blog/estate-planning-documents https://mpmwealth.com/insights/blog/estate-planning-documents Wed, 22 Jul 2026 20:35:57 GMT George T. Damasco Estate planning isn't a one-time task, it's a living part of your financial plan. Here are the four documents every family needs before retirement, what each one does, and what to check when reviewing yours. https://mpmwealth.com/insights/blog/529-plan-2026 https://mpmwealth.com/insights/blog/529-plan-2026 Tue, 21 Jul 2026 00:12:00 GMT Sean S. Shinaberry A 529 plan grows tax-free for education costs. Here is how it works in 2026, including the new Roth IRA rollover rule and Ohio's state tax deduction. https://mpmwealth.com/insights/blog/annual-gift-tax-exclusion https://mpmwealth.com/insights/blog/annual-gift-tax-exclusion Wed, 15 Jul 2026 00:08:00 GMT Ryan Stoller, CFP® In 2026, you can give up to $19,000 per person tax-free. Here is how the annual gift tax exclusion works and how it fits into an estate plan. https://mpmwealth.com/insights/blog/medicare-enrollment-windows https://mpmwealth.com/insights/blog/medicare-enrollment-windows Tue, 07 Jul 2026 14:00:00 GMT Sean S. Shinaberry Turning 65 in Toledo? Learn exactly when and how to enroll in Medicare, what each part covers, and how to avoid costly lifetime penalties. https://mpmwealth.com/insights/blog/when-should-you-file-for-social-security https://mpmwealth.com/insights/blog/when-should-you-file-for-social-security Mon, 06 Jul 2026 20:57:00 GMT George T. Damasco When to file for Social Security is one of the biggest retirement decisions you will make. Here is what Toledo families need to know before claiming.