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Boise Retirement Coach

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Boise Retirement Coach

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Peggy L. Farnworth, owner of Boise Retirement Coach, is a Certified Public Accountant, Certified Financial Planner, and Certified Senior Advisor.

She has her B.S. in Accounting and has served the Treasure Valley for over 30 years. As a Financial Advisor in Boise, ID, Peggy has serviced hundreds of clients in and around the Treasure Valley for over 20 years. Peggy Farnworth, CPA, CFP, CSA is known for her integrity, creativity and compassion. Her ability to address complex situations and produce balanced financial plans makes her the trusted financial advisor clients want on their side. Disclaimer: Securities offered through Registered Representative of Cambridge Investment Research, Inc., a Broker Dealer Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Boise Retirement Coach and Cambridge are not affiliated. Any posted content is being provided for informational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions.

11/04/2026

A $10 form can override a $100,000 will. 😳

Your will does not control who inherits your 401(k), your IRA, or your life insurance. The beneficiary form does. It doesn't matter what your will says, what your trust says, or what you told your kids at Thanksgiving. Whoever is listed on the form gets the account. End of discussion.

Peggy has seen an ex-spouse inherit an entire retirement account because nobody updated the form after a divorce, and a deceased sibling still listed as beneficiary, sending the account through probate instead of straight to the person it was meant for.

These forms take five minutes to check. If you can't remember the last time you reviewed yours, that's this week's homework.

📞 (208) 343-7777
🌐 boiseretirementcoach.com

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

10/31/2026

Your Medicare premium isn't a smooth slope — it's a cliff.

Go $1 over an income threshold and you don't just pay tax on that extra dollar. You get bumped to the entire next premium tier. In 2025 that jump can mean paying $74, $185, even hundreds more per month, for the whole year.

It's not like income tax, where only the amount over the line gets taxed at the higher rate. With IRMAA (Income-Related Monthly Adjustment Amount), the whole premium moves to the higher tier the moment you cross the threshold.

That's why knowing exactly where you stand in the process matters so much before you take any extra withdrawal or do a Roth conversion.

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

10/27/2026

Retirement is supposed to be the exciting part of life. Here are five regrets I hear from retirees, and how to avoid them. 👇

1️⃣ Not saving enough or starting too late
2️⃣ Carrying debt into retirement
3️⃣ Claiming Social Security too early
4️⃣ Having no plan for your time
5️⃣ Letting work squeeze out health and relationships

With a little planning, you can enjoy retirement without regrets.

📖 Read the full blog post, "Regrets of a Retiree,"
https://www.boiseretirementcoach.com/regrets-of-a-retiree-5-common-retirement-regrets-to-avoid
📞 (208) 343-7777

10/22/2026

Remember March 2020? A couple of my clients were coming back from a trip right when Covid hit and the market tanked, wanting to buy a motorized catamaran and outfit the cabin.

They didn't have the cash sitting there, which meant selling investments — right when the market was down. My question to them: are you good to wait? Do you need this now, or can we wait a little bit?

They waited. The market came back by that fall. Their response: "It's only money."

Not every purchase has to happen the moment the market drops. Sometimes the best move is patience.

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Boise Retirement Coach and Cambridge are not affiliated.

10/19/2026

One dollar of extra income two years ago could be costing you hundreds of dollars a month in Medicare premiums right now — and most people don't find out until it's too late.

Medicare premiums aren't based on this year's income. They're based on your tax return from two years ago. Cross a certain income line by even $1, and you don't pay a little more — you jump into a whole new bracket. In 2026, that line is $109,000 for single filers and $218,000 for a married couple, and crossing it can push your Part B premium from around $203 a month to over $284 (or up to $586 for a married couple).

Peggy explains why her office watches this "IRMAA cliff" every year, and how being tax-smart in your 50s and early 60s — including Roth conversions — can help you avoid it.

📞 (208) 343-7777
🌐 boiseretirementcoach.com

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Boise Retirement Coach and Cambridge are not affiliated.

10/17/2026

Giving $5,000 to charity from your IRA? How you do it changes what it actually costs you.

Send it to your checking account first, then write the check, and you'll pay tax on that withdrawal — 22% or 24% — before it ever reaches the charity. A $5,000 gift can end up costing you $6,200.

Send that same $5,000 directly from your IRA to the charity as a Qualified Charitable Distribution (QCD), and it satisfies your RMD while the tax bill is zero. Same gift, same charity, completely different cost to you.

If you're charitably inclined and taking RMDs, this is the math worth knowing.

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

10/15/2026

Don’t Let Rising Healthcare Costs Derail Your Retirement

Medical expenses are one of the biggest expenses in retirement, and rising healthcare costs can surprise many who are planning to retire soon. A couple 65+ can easily spend $300,000 – $360,000 for medical expenses during retirement.

It is important to plan ahead:

- Health Savings Accounts and Idaho Medical Savings Accounts
- Bridging the healthcare gap before Medicare
- Medicare Advantage vs. Original Medicare with Medigap
- How to choose the right fit for your health

The best way to reduce your medical expenses is to be proactive with your health.

Read the full blog → https://www.boiseretirementcoach.com/dont-let-rising-healthcare-costs-derail-your-Retirement

10/14/2026

A couple retiring at 65 can spend $300,000 or more on healthcare, and most people don't plan for it. 🩺

Still working? A Health Savings Account is one of the best ways to save.

Already on Medicare? You can't add to an HSA anymore, but Idaho has its own Medical Savings Account. You can deduct up to $10,000 a year if you're single or $20,000 if you're married.

Choosing between Medicare Advantage and Medigap matters too. Advantage usually has a lower premium, but a knee or hip replacement can leave you with a $5,000 or $6,000 bill. Medigap might cost $200 to $300 more a month, and your costs are much easier to predict.

Peggy explains how to plan for it in the video, and the full blog post is linked below.

🔗 https://www.boiseretirementcoach.com/dont-let-rising-healthcare-costs-derail-your-retirement
📞 (208) 343-7777
🌐 boiseretirementcoach.com

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Boise Retirement Coach and Cambridge are not affiliated.

10/08/2026

Roth conversions come with a clock most people don't know about.

Once you convert, that money has to stay in the Roth for a five-year period. Pull it out early and you can face a penalty. And yes, the IRS is tracking this — if you have IRAs, you get a form each May (the 5498) that reports your account values, so they know exactly what you converted and when.

Here's the part that trips people up: every conversion starts its own five-year clock. Convert in year one, then again in year two, then again in year three — each one has its own countdown. The very first conversion you ever do is the one that determines when the whole thing becomes fully accessible.

Doing multiple Roth conversions over several years? Know which clock you're actually watching.

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Boise Retirement Coach and Cambridge are not affiliated.

10/06/2026

The best retirement account you own might not be the one you think. 🤔

If you have a health savings account, you might be treating it like a checking account for doctor visits, pay in, pay out, keep the balance near zero. That's the single most common way people waste an HSA.

Here's what makes it different: money you put in is tax-deductible going in, it grows tax-free, and if you use it for medical expenses, it comes out tax-free too. No other account does all three.

In 2026, you can put in $4,400 for yourself or $8,750 for a family, plus another $1,000 if you're 55 or older. Pay this year's medical bills out of pocket, let it grow, and by retirement you'll have a pool of money for healthcare costs, completely tax-free.

Most people never flip that switch. It's worth asking whether you should.

📞 (208) 343-7777
🌐 boiseretirementcoach.com

Material discussed is meant for general illustration and/or informational purposes only, and it is not to be construed as investment, tax, or legal advice. Although the information has been gathered from sources believed to be reliable, please note that individual situations can vary. Please consult with your financial advisor prior to making any investment decisions.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Boise Retirement Coach and Cambridge are not affiliated.

Address

670 E. Riverpark Lane, Suite 140
Boise, ID
83706

Opening Hours

Monday	10am - 5pm
Tuesday	10am - 5pm
Thursday	10am - 5pm
Friday	10am - 5pm

Telephone

+12083437777

Website

https://www.boiseretirementcoach.com/, https://linktr.ee/BoiseRetirementCoach

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