Glenn Financial

06/23/2026

Understanding the difference between your marginal and effective tax rate is crucial for Roth conversion decisions. Don't get confused by the rate on your next dollar; focus on the average across all your income.

06/19/2026

Thinking about a Roth conversion? The answer depends on your future tax bracket and current savings. If you expect higher taxes later or have less than $500k in tax-deferred savings, it might not be worth it.

06/13/2026

Many business owners aren't contributing to retirement plans, falling behind their employees financially. Relying on business sale alone is risky. Prioritize your future; invest in your retirement now.

06/12/2026

Earning $500k+? You're likely in the 35-37% federal tax bracket. Add state taxes, and your marginal rate could hit the mid-40s. Every dollar contributed to your business retirement plan saves you significantly at that rate.

06/12/2026

Many business owners choose retirement plans initially but don't update them as their business grows. This can mean leaving valuable tax savings on the table every year. Re-evaluate your plan to ensure it's maximizing benefits for your family's future.

06/11/2026

𝑩𝒖𝒔𝒊𝒏𝒆𝒔𝒔 𝒐𝒘𝒏𝒆𝒓𝒔 𝒂𝒓𝒆 𝒍𝒆𝒔𝒔 𝒍𝒊𝒌𝒆𝒍𝒚 𝒕𝒉𝒂𝒏 𝒕𝒉𝒆𝒊𝒓 𝒆𝒎𝒑𝒍𝒐𝒚𝒆𝒆𝒔 𝒕𝒐 𝒉𝒐𝒍𝒅 𝒓𝒆𝒕𝒊𝒓𝒆𝒎𝒆𝒏𝒕 𝒂𝒔𝒔𝒆𝒕𝒔.

According to research done by professor Nancy Forster-Holt in the Journal of Retirement,

business owners are less financially prepared for retirement

than those who work for them.

Now, that's not to say business owners are less wealthy.

In fact, quite the opposite.

The Small Business Administration published a study that found:

“𝗌𝖾𝗅𝖿-𝖾𝗆𝗉𝗅𝗈𝗒𝖾𝖽 𝗉𝖾𝗈𝗉𝗅𝖾 𝖺𝗋𝖾, 𝗈𝗇 𝖺𝗏𝖾𝗋𝖺𝗀𝖾, 𝗐𝖾𝖺𝗅𝗍𝗁𝗂𝖾𝗋 𝗍𝗁𝖺𝗇 𝗍𝗁𝖾𝗂𝗋 𝗇𝗈𝗇-𝗌𝖾𝗅𝖿-𝖾𝗆𝗉𝗅𝗈𝗒𝖾𝖽 𝗉𝖾𝖾𝗋𝗌.”

What it does mean, however, is that the sale of the business has to bridge that gap

between paper net worth and the liquidity

the owner needs to live on post-exit.

𝗧𝗵𝗮𝘁'𝘀 𝗮 𝗿𝗶𝘀𝗸𝘆 𝗯𝗲𝘁.​

Bizbuysell​ states in a recent report that

“𝗍𝗁𝗈𝗎𝗌𝖺𝗇𝖽𝗌 𝗈𝖿 𝗌𝗆𝖺𝗅𝗅 𝖻𝗎𝗌𝗂𝗇𝖾𝗌𝗌𝖾𝗌 𝗍𝗋𝖺𝗇𝗌𝖺𝖼𝗍 𝖾𝖺𝖼𝗁 𝗒𝖾𝖺𝗋—𝖻𝗎𝗍 𝖺 𝖿𝖺𝗋 𝗅𝖺𝗋𝗀𝖾𝗋 𝗇𝗎𝗆𝖻𝖾𝗋 𝗋𝖾𝗆𝖺𝗂𝗇 𝗎𝗇𝗌𝗈𝗅𝖽.”

So what does this all mean for the typical business owner?

They may be betting their retirement on the sale of their business

when the cards are stacked against them.

I talk about this more indepth on my most recent youtube video.

Check it out!

Owner's Don't Plan For Retirement
https://youtu.be/g6dH-6mcgyg

06/08/2026

Unexpected windfalls don't allow for planning. Switch steps one and three: park, plan, then place. This ensures you have a framework for any windfall, expected or not.

The information provided in this video regarding tax law or regulation is general in nature and may not apply to a particular individual's circumstances. Neither cfd Investments, Inc. nor Creative Financial Designs, Inc. provide legal or tax advice. Clients are directed to consult with their legal or tax counsel regarding such matters. Advisory Services are provided through Creative Financial Designs, Inc., a Registered Investment Adviser, and securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902, 765-453-9600. Glenn Financial Services is independently owned and is not affiliated with cfd Investments, Inc. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by CFP Board, used with permission.

06/06/2026

Multimillion-dollar windfalls can vanish quickly, not due to markets or taxes, but from hasty decisions. Remember, the money is yours. Take time to plan before acting impulsively, protecting it from your celebratory self.

The information provided in this video regarding tax law or regulation is general in nature and may not apply to a particular individual's circumstances. Neither cfd Investments, Inc. nor Creative Financial Designs, Inc. provide legal or tax advice. Clients are directed to consult with their legal or tax counsel regarding such matters. Advisory Services are provided through Creative Financial Designs, Inc., a Registered Investment Adviser, and securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902, 765-453-9600. Glenn Financial Services is independently owned and is not affiliated with cfd Investments, Inc. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by CFP Board, used with permission.

06/05/2026

After knowing what NOT to do, what's the next step? Use the 4 Ps framework: Plan, Process, Park, and Place. This strategy is effective for expected windfalls and can be adjusted for unexpected ones.

The information provided in this video regarding tax law or regulation is general in nature and may not apply to a particular individual's circumstances. Neither cfd Investments, Inc. nor Creative Financial Designs, Inc. provide legal or tax advice. Clients are directed to consult with their legal or tax counsel regarding such matters. Advisory Services are provided through Creative Financial Designs, Inc., a Registered Investment Adviser, and securities are offered through cfd Investments, Inc., a Registered Broker/Dealer, Member FINRA & SIPC, 2704 S. Goyer Rd., Kokomo, IN 46902, 765-453-9600. Glenn Financial Services is independently owned and is not affiliated with cfd Investments, Inc. CFP® and CERTIFIED FINANCIAL PLANNER® are certification marks owned by CFP Board, used with permission.

06/04/2026

A conversation I had in my office with a young couple last month sparked the idea for this video.

What would you do with a large sum of money?
Check out the vid!

Large Financial Windfall - What Do I Do With The Check??
https://youtu.be/5URcJZKQbl8

Kyle Glenn Todd Glenn

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