Copperwood Financial, Inc.

04/13/2026

When even the United States Postal Service is pausing pension contributions to manage cash flow, it tells you how real the pressure is on long-term obligations.

No immediate impact today—but moves like this are usually signals, not solutions.

If you’re a federal employee within a few years of retirement, this is exactly why relying on the system alone isn’t enough. Planning, timing, and tax strategy matter more than ever.

https://www.reuters.com/world/cash-strapped-us-postal-service-suspends-contributions-pension-plan-2026-04-09/

The U.S. Postal Service said Thursday it will temporarily suspend employer payments for a ​federal pension program to conserve cash amid a severe financial crisis.

11/26/2025

Huge thanks to all our incredible clients who joined us at our annual pie giveaway! Big shoutout to Kirschbaum’s bakery for baking the sweet treats!

11/20/2025

The transition from college/pro athlete is not always seamless… Let us guide your children and your financial plan once they step off the court/field for the last time www.proathletewealth.com

10/15/2025

TSP is different. Most federal employees don’t realize how their contribution choices today can limit their control — and increase taxes — in retirement.

In last week’s episode of Larry the Money Guy, I broke down how TSP works, the 2026 rule changes, and how to avoid costly withdrawal mistakes. 🎥

Watch the replay now: https://www.youtube.com/watch?v=Ouc2pR179Ks&t=137s

10/07/2025

Setting Financial Goals before the end on 2025?

Come hang out with Pai Charasika this Wednesday (10/8/25) at Boomer's Bourbon and Cigar Bar!

Meet and greet starts at 5:30pm. Great way to bend an ear of someone in the know!

This isn’t one of those Boring blah blah things! There will be a full Bourbon tasting with lots of information from our local Bourbon Rep. free!

So come learn about Bourbon and end of the year financial planning strategies for 2025!

09/24/2025

09/24/2025

The Deferred Resignation Deadline is here — Sept. 30 marks the end of paychecks for many Federal Employees. What happens next?

Missed the podcast? I sat down with Cassie Graves, CEO of Fed Options, LLC, to break down what this transition really means — from retirement paperwork and pension expectations to healthcare coverage and moving into the private sector.

Replay Link: https://youtube.com/live/Y6MgvjzdKzE

09/23/2025

Today’s the day!

At 11AM Central, join me for Episode 6 of the Larry the Money Guy Podcast with special guest Cassie Graves, CEO of Fed Options, LLC.

Deferred Resignation Pay ends on Sept. 30 — and for many Federal Employees, that means the paycheck stops. We’ll break down what’s at stake, from retirement paperwork and pension expectations to OPM delays, healthcare coverage, and your options if you move to the private sector.

🎙️ Don’t let the cliff catch you off guard — tune in today at 11AM Central for clarity, confidence, and next steps.

https://youtube.com/live/Y6MgvjzdKzE

09/16/2025

Business Owners: Big Tax Changes Are Here!

Congress just rewrote the rules with the One Big Beautiful Bill (OBBA) — and the opportunities are big, but so are the risks if you don’t act now.

We're co-hosting a dinner with Monarch Accounting Group at Cooper’s Hawk Winery & Restaurant in Burr Ridge to learn how you can:
✅ Avoid unnecessary taxes with the right business structure
✅ Take advantage of new retirement & tax-saving opportunities
✅ Protect your wealth from costly tax traps like IRMAA surcharges & Social Security taxation
✅ Build a more resilient, tax-smart portfolio for the decade ahead

📅 Two Dates Available:
Tuesday, September 23, 2025 – 6:00 PM
Wednesday, September 24, 2025 – 6:00 PM
📍 Cooper’s Hawk Winery & Restaurant, Burr Ridge, IL

👉 Seats are limited — message us to get registered!

Send a message to learn more

09/12/2025

💡 Missed the live session? No worries—catch the replay!
We break down the big changes coming to your TSP and what they mean for your retirement strategy.

🎥 Watch now: https://www.youtube.com/watch?v=AjxJZ1AFIGI