Retired before 65 or self-employed? Your marketplace health insurance probably costs a lot more this year. In this episode, Jonathan Mathews, CFP®, explains how the One Big Beautiful Bill Act (OBBBA) changed the math.

Read the companion blog post >

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Shutdown headlines and midterm coverage will be everywhere this fall. Your financial plan doesn't have to follow along.

On this episode, WHZ Managing Partner, Advisory Leisl L. Langevin, CFP® CDFA® shares what history shows about shutdowns and midterm years, plus the three things that deserve your attention instead.

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What's been driving the markets lately? Find out in this month's market update, where Leisl L. Langevin, CFP® CDFA® breaks down the latest news and how it touches your investments and your wallet.

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Fall is the last stretch of the year when you still have real options...

On this episode of the #YouAndYourMoney #podcast, Holly Wanegar, Associate Vice President & Wealth Advisor, shares how for retirees and pre-retirees, the last quarter of the year is when the most valuable planning decisions still have a door open. It all runs on a calendar-year clock, and most planning cannot be fixed in January.

Here are the moves worth reviewing this fall, along with the figures that apply for 2026.

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The One Big Beautiful Bill Act made the current federal tax brackets permanent — the top rate stays at 37% instead of jumping to 39.6%. For executives with bonuses, stock options, and deferred compensation agreements, that certainty changes the planning math.

In this episode of You & Your Money, Logan Lum, Associate Vice President, Lead Wealth Advisor at WHZ Strategic Wealth Advisors, walks through a five-item checklist for making the most of the new rules.

What Logan covers:

• Deferred compensation — why knowing the rates makes deferral strategy easier to model, and the one risk people overlook: non-qualified deferred comp isn't protected if your company is acquired or goes bankrupt. Max out the protected vehicles first.
• Timing stock option exercises — in the top bracket, itemized deductions are worth about 35 cents on the dollar instead of 37. One mistimed exercise can push you into the top bracket, which starts at $640,600 for single filers and $768,700 for couples. Straddling an exercise across two years may be the better move.
• The SALT cap, and why it hits Connecticut hard — the state and local tax deduction cap rose to $40,400, but it phases out fast: 30 cents on every dollar of modified adjusted gross income above $505,000, landing you back at $10,000 by roughly $606,000. Stack Connecticut's 6.99% top rate and the highest property taxes in the country on top of that.
• The Social Security wage cap — once you pass $184,500 in compensation, you're no longer paying the 6.2% Social Security tax, which makes Q4 an opportune window to look at bonus timing and deferral.
• Old agreements — deferred comp arrangements written under the previous rules are worth a fresh review.

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IRS audits of high earners have dropped sharply but AI matching systems have not.. On this episode of the #YouAndYourMoney #podcast, Jonathan Mathews, CFP® shares what you need to know.

Read the companion blog post: https://whzwealth.com/blog/the-new-irs-fewer-auditors-smarter-algorithms-what-high-earners-need-to-know

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Markets have continued to trend up, even despite inflation, geopolitical events, and other impacts. But is that trend likely to continue? Listen to our latest episode for the details on what’s happening in the markets from Jonathan Mathews, CFP®.

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Trump Accounts opened for contributions on the Fourth of July. Should you open one for your child?

On this week's You & Your Money, Jonathan Mathews, CFP® breaks down what a 530A account actually is, what every family should understand before opening one, and why he opened accounts for his own three children, even though none of them qualify for the $1,000.

Wondering how this fits your family's plan? Let's talk.
📞 (860) 928-2341
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Absolute Confidence. Unwavering Partnership. For Life.

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