Lisa Ward CFP, 812 W. ROSEDALE ST, Fort Worth, TX (2026)

10/22/2026

When is the best time to do a Roth conversion?

Here's the answer I give clients:

Look for the tax window.

It may happen when you're young.
It may happen before retirement.
It may happen after retirement.

Here are 4 situations where a Roth conversion may be worth evaluating:

👶 1. You're having your first child

A new baby can change your household's tax situation.

If your income temporarily drops and you qualify for available child-related tax benefits, you may have a lower-tax year that creates an opportunity to consider a Roth conversion.

💍 2. You're getting married

Before combining incomes on a joint tax return, take a look at the tax brackets.

If marriage will put the household into a higher combined tax bracket, the years before marriage may provide a Roth conversion opportunity worth evaluating.

🏖️ 3. You're retired—or recently retired

This can be one of the most important Roth conversion windows.

There may be years when you're no longer earning a paycheck but haven't yet started taking Social Security or reached the point where RMDs create significant taxable income.

That may allow you to convert portions of your traditional IRA or 401(k) assets over several years.

📈 4. You receive an inheritance

An inheritance can dramatically change your financial picture.

If an inherited non-retirement asset receives a step-up in basis, the tax consequences may be very different than inheriting a traditional retirement account.

That doesn't automatically mean you should do a Roth conversion—but it is a reason to revisit the entire plan.

The big idea:

Don't ask:

“What age should I do a Roth conversion?”

Ask:

“When is my tax rate likely to be most favorable for a conversion?”

That's a much better retirement-planning question.

🎥 Watch the video for the four Roth conversion opportunities I discuss.

If you're wondering whether this year could be a Roth conversion window for you, schedule a Blueprint Call with Plumb Financial.

10/21/2026

🏁 MAVERICK REGION PCA — LETS SEE WHAT WE CAN DO! 🏁

We have a simple challenge:

Can our Porsche Cars North America community fund 80 mammograms?

The answer is up to us.

🩷 $150 = average cost of 1 mammogram

🩷 $300 = average cost of 2 mammograms

🩷 $750 = average cost of 5 mammograms

🩷 $1,500 = average cost of 10 mammograms

Our goal is $12,000.

You don't have to make a huge donation to be part of the effort. Every contribution helps move us closer to our goal.

And if you've already donated — THANK YOU!

Donate Here: https://fundraise.nbcf.org/campaign/824763/donate

🩷Now help us spread the word.

Tag a Porsche friend. Share this post. Challenge your friends to donate.

Lets get Revved Up for a Cure with !

10/17/2026

🩷 WHY ARE WE RAISING MONEY FOR MAMMOGRAMS?

Because early detection matters.

According to the , a screening mammogram is an important tool used to look for early signs of breast cancer — including abnormalities that may not yet be causing symptoms.

But access matters, too.

NBCF provides free and low-cost mammograms through partner facilities nationwide.

That's why this years Mavs & Mochas Revved Up for a Cure fundraiser is focused on helping provide access to mammograms for women in need.

🎯 Our goal: 80 mammograms

💰 Our fundraising goal: $12,000

🩷 Average cost of a mammogram: $150

Help us put the power of Maverick Region Porsche Cars North America behind this important cause.

Donate. Share. Get involved. https://fundraise.nbcf.org/campaign/824763/donate

Together, we can make an impact.

10/15/2026

You have $1 million saved.

But how much of that $1 million is actually yours to spend in retirement? 🤔

Here's something many retirement calculators don't explain well:

Not all $1 million is created equal.

Imagine three retirees:

👤 Person #1
$1M in a traditional 401(k)

👤 Person #2
$1M in a Roth account

👤 Person #3
$1M split between Roth, traditional & taxable accounts

Same amount saved.

Very different tax situations.

And potentially very different amounts of **after-tax retirement income.

That's why your retirement plan should consider more than your account balance.

You also need to think about:

💵 Roth conversions
📋 Required minimum distributions
🧾 Social Security taxation
🏥 Medicare IRMAA
📈 Capital gains
💰 Taxable brokerage withdrawals
🎁 Qualified charitable distributions
📊 Future tax brackets

The goal isn't simply to accumulate a big number.

It's to create a strategy for turning your savings into sustainable, tax-efficient retirement income.

So maybe your retirement number isn't:

“I need $1 million.”

Maybe the better question is:

“How much income can my $1 million actually provide after taxes?”

🎥 Watch the video for the full explanation.

If you're 5–10 years from retirement and want to understand your after-tax retirement income, schedule a Blueprint Call with Plumb Financial.

10/10/2026

🩷 THE $150 CHALLENGE 🩷

What if 80 people in the community each donated $150?

We'd reach our goal.

80 people × $150 = $12,000

And our fundraiser tells us that the average cost of a mammogram is $150.

Our goal is to help fund 80 mammograms for women in need through the National Breast Cancer Foundation, Inc. National Mammography Program.

Can't give $150? That's okay.

Every dollar helps us move closer to our goal.

Give what you can. Share this post. Encourage someone else to join you.

Let's see what Maverick Region Porsche Cars North America can accomplish when we put our horsepower behind a cause.🏁🩷 Lets get Revved Up for a Cure!

Donate Here https://fundraise.nbcf.org/campaign/824763/donate

10/08/2026

How much money do you need to retire in Texas? 🤔

$1 million?

$2 million?

There isn't a magic number.

Here's why.

Imagine a couple:

👫 Age 60
📅 Retire at 62
💰 Spend $90K/year
🏦 Have $1.5M invested
🧾 Receive $50K/year in Social Security
🏠 Still owe $250K on their mortgage

Are they ready to retire?

Maybe.

But we can't answer that question by looking at their $1.5 million portfolio.

We need to look at the entire picture:

➡️ When will they claim Social Security?
➡️ Will they pay off the mortgage?
➡️ What will healthcare cost before Medicare?
➡️ What will Medicare and out-of-pocket healthcare costs look like?
➡️ How much will they need to withdraw from investments?
➡️ How will inflation affect their spending?
➡️ How long might their money need to last?
➡️ How much of their retirement income will be taxable?
➡️ Would Roth conversions make sense?

And here's something important for Texans:

Texas doesn't have a state individual income tax—but retirement isn't tax-free.

Federal income taxes, property taxes, retirement-account withdrawals, Social Security taxation, and Medicare premiums can all be part of the equation.

So instead of asking:

❌ “Do I have enough to retire?”

Start with:

✅ “How much income will I need, where will it come from, and how long does it need to last?”

That's a retirement plan.

🎥 Watch the video for the full example.

If you're within 5–10 years of retirement and want to see how your numbers fit together, schedule a Blueprint Call with Plumb Financial.

10/01/2026

Can I retire?

If you're in your 50s and hoping to retire in the next 5–10 years, there's a better question than:

“How much do I have saved?”

You need to know these 7 numbers:👇

1️⃣ Retirement spending
What will your life actually cost? Don't forget travel, hobbies, home repairs, and healthcare.

2️⃣ Guaranteed income
Social Security, pensions, annuities, and other reliable income.

3️⃣ Investment assets
401(k), IRA, Roth, brokerage, and other investments.

4️⃣ Social Security benefit
What changes if you claim at 62, full retirement age, or later?

5️⃣ Healthcare costs
Especially the gap between retirement and Medicare, plus Medicare premiums and out-of-pocket costs.

6️⃣ Your tax picture
Traditional vs. Roth accounts, taxable investments, future RMDs, and how you'll generate income.

7️⃣ Your retirement age
Retiring at 60 versus 62 versus 65 can change the entire retirement equation.

Here's what I want you to remember:

There is no single magic retirement number.

Two people can be the same age, have the same amount saved, and have completely different answers to the question:

"Can I retire?”

Why?

Because retirement planning isn't just about accumulating money.

It's about turning your assets into sustainable income while managing taxes, Social Security, healthcare, investments, and the lifestyle you want.

Retirement isn't a number in your 401(k). It's a plan for turning your assets into income.

🎥 Watch the full video, then ask yourself: Do I know all seven of my numbers?

If you're within 5–10 years of retirement and want help putting your numbers together, schedule a Blueprint Call with Plumb Financial.

10/01/2026

🏁 WERE REVVED UP FOR A CURE! 🩷

is proud to once again support the . through our annual Mavs and Mochas Revved Up for a Cure fundraiser.

This year, were putting our goal in the drivers seat:
🎯 80 MAMMOGRAMS
💗 $12,000 FUNDRAISING GOAL

The average cost of a mammogram is $150.

That means your $150 donation can cover the average cost of a mammogram for a woman in need.

Whether you donate $25, $50, $150 or more, you're helping us move toward our goal.

Let's put our passion for behind something bigger.

🏁 80 mammograms. One community. One important cause.

Help us get Revved Up for a Cure! 🩷

Donate Here: https://fundraise.nbcf.org/campaign/824763/donate

09/29/2026

🚨 Healthcare is one of the biggest pieces of your retirement puzzle.

If you're approaching retirement—or already there—have you thought about how healthcare costs fit into your financial plan?

Join me Thursday, October 8 for Healthcare Planning.

We'll discuss the role healthcare expenses can play in your retirement strategy and how to think about preparing for those costs.

📅 October 8
⏰ 11:30 AM–1:00 PM
📍 TCC Trinity River
300 Trinity Campus Circle
Fort Worth, TX 76102

Retirement by Design

Because having a retirement plan means more than knowing when you want to retire.

It means knowing how you're going to fund the life you want to live.

👉 Register today.

09/24/2026

How much life insurance do you need? 🤔

And does the answer change depending on whether you choose term, whole life, or universal life?

YES.

Here's a simple way to think about it:

🔵 TERM LIFE

Usually used to cover a financial need for a specific period.

A starting calculation:

Income replacement + debts + future expenses – existing assets = estimated need

Example:

$100K income × 10 years = $1M

$300K mortgage
$100K education
– $200K assets

= $1.2M estimated need

🟣 WHOLE LIFE

Because whole life is designed to provide permanent coverage, the amount is usually based on a permanent financial need rather than simply replacing 10 or 20 years of income.

Think:

• Final expenses
• Legacy
• Estate liquidity
• Equalizing inheritances
• Lifelong dependents

🟢 UNIVERSAL LIFE

Also permanent coverage, but with additional flexibility in how the policy is structured.

It may be used for:

• Estate planning
• Business succession
• Legacy planning
• Long-term income needs
• Other permanent financial obligations

Here's the most important part:

Don't start by asking, “How much insurance can I afford?”

Start with:

👉 “How much would my family actually need if I weren't here?”

Then calculate the need.

Your income.
Your debts.
Your assets.
Your mortgage.
Your children's needs.
Your future obligations.
Your estate goals.

Then determine what type of insurance makes sense.

And don't forget—your insurance needs can change dramatically over your lifetime.

Schedule your Blueprint call today. https://app.greminders.com/c/plumbfinancial/blueprint

Lisa Ward CFP

10/22/2026

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10/17/2026

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