Franklin Wealth Management, LLC

10/29/2026

Still working and thinking about claiming Social Security? Timing matters. Speak with one of our experienced advisors today.

https://www.franklin-wealth.com/free-consultation/
(423) 870-2140

10/29/2026

Don't miss these 8 costly differences between the Roth IRA and the Roth 401k.

Roth IRAs and Roth 401(k)s share a similar name and the same tax-free growth, but almost every rule that governs them is different — and picking the wrong one for your next dollar can cost you real money. Certified Financial Planner, Joe Franklin breaks down the 8 biggest differences between these accounts and the funding order that lets you capture the best of both.

What these differences reveal:
• Why high-income earners are phased out of Roth IRA contributions at $153,000 single or $242,000 married filing joint
• How the Roth 401(k) allows $24,500 in 2026 versus $7,500 in a Roth IRA, plus catch-up and super catch-up amounts
• Why an employer match can double your contribution on day one and should always be captured first
• How Roth IRA contributions can come out any time tax- and penalty-free while Roth 401(k) dollars stay locked until 59½
• When a 401(k) participant loan of half the balance up to $50,000 becomes your early access option
• Why Roth 401(k) dollars can roll into a Roth IRA but Roth IRA dollars can never move back
• The four-step funding order that gets the match, the flexibility, and the maximum Roth contribution
* AND MORE

The bigger lesson is that these two accounts are teammates rather than rivals. One delivers a larger contribution limit and free employer money, while the other delivers investment freedom, early access to contributions, and control over where your tax-free dollars actually grow. The investors building the largest tax-free buckets are not the ones who picked a side — they are the ones who used both in the right sequence.

This strategy is especially valuable for high-income earners, employees with a 401(k) match, self-employed investors using a solo 401(k), younger savers who may need early access, and anyone approaching retirement who wants to start their Roth IRA five-year clock now!

Watch the full video here:

Don't miss these 8 costly differences between the Roth IRA and the ...

10/28/2026

Roth IRA vs. Roth 401k: 8 Differences that Cost People Money

Don't miss these 8 costly differences between the Roth IRA and the Roth 401k.

Roth IRAs and Roth 401(k)s share a similar name and the same tax-free growth, but almost every rule that governs them is different — and picking the wrong one for your next dollar can cost you real money. Certified Financial Planner, Joe Franklin breaks down the 8 biggest differences between these accounts and the funding order that lets you capture the best of both.

What these differences reveal:
• Why high-income earners are phased out of Roth IRA contributions at $153,000 single or $242,000 married filing joint
• How the Roth 401(k) allows $24,500 in 2026 versus $7,500 in a Roth IRA, plus catch-up and super catch-up amounts
• Why an employer match can double your contribution on day one and should always be captured first
• How Roth IRA contributions can come out any time tax- and penalty-free while Roth 401(k) dollars stay locked until 59½
• When a 401(k) participant loan of half the balance up to $50,000 becomes your early access option
• Why Roth 401(k) dollars can roll into a Roth IRA but Roth IRA dollars can never move back
• The four-step funding order that gets the match, the flexibility, and the maximum Roth contribution
* AND MORE

The bigger lesson is that these two accounts are teammates rather than rivals. One delivers a larger contribution limit and free employer money, while the other delivers investment freedom, early access to contributions, and control over where your tax-free dollars actually grow. The investors building the largest tax-free buckets are not the ones who picked a side — they are the ones who used both in the right sequence.

This strategy is especially valuable for high-income earners, employees with a 401(k) match, self-employed investors using a solo 401(k), younger savers who may need early access, and anyone approaching retirement who wants to start their Roth IRA five-year clock now!

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Don't miss these 8 costly differences between the Roth IRA and the ...

10/28/2026

Great food, great company, and memories to treasure!

Our Franklin Wealth team had so much fun with our clients and guests at last week’s Oktoberfest at The Walden Club! The chef-inspired menu was beyond incredible, and the flights of local b**r made the evening even more memorable. 🍻

The highlight, though, was spending time together - sharing laughs, making memories, and deepening the relationships we feel so blessed to build with our clients.

At Franklin Wealth, those relationships are at the heart of everything we do. Our work goes beyond transactions; it’s about knowing the people and families behind them.

Thank you to everyone who joined us!

Ready to start a conversation about your financial future? Call Franklin Wealth Management at 📞 (423) 870-2140. We’d love to get to know you!

10/23/2026

Why your retirement could be at risk. Watch the full video here: https://youtu.be/YTB-oYlfsxM

10/23/2026

BRUTAL Retirement Truths I've Learned Over 30 Years | Most Advisors DON'T Tell You These!

These are 6 Uncomfortable Retirement Truths You Need to Hear (in only 11 Minutes.)

These retirement planning lessons can help you navigate these complexities with more confidence. Facing these facts is essential for anyone seeking true financial independence.

The goal is not just to accumulate wealth, but to spend with purpose. We will discuss how to shift your mindset toward enjoying your hard-earned savings while using your resources to benefit others. These retirement truths are designed to help you build a more meaningful and sustainable path forward, regardless of market conditions.

Watch the full video here:

6 Uncomfortable Retirement Truths You Need to Hear (in only 11 Minu...

10/22/2026

Hard Retirement Truths I've Learned Over 30 Years

6 Uncomfortable Retirement Truths You Need to Hear (in only 12 Minutes)

For More Click Here:

6 Uncomfortable Retirement Truths You Need to Hear (in only 11 Minu...

10/19/2026

DON'T Mess Up Your Do-Over!
NEW 2027 Social Security Rules for Working While Collecting Benefits


In this video, we cover the 2027 Social Security earnings limits and new rules for people who want to keep working and still collect Social Security benefits.

You will learn how much you can earn before your benefits are reduced, how the earnings limit works under full retirement age and in the year you reach full retirement age. We explain whether your own earnings or joint income matters, what earnings count, how withheld benefits are handled, and how spousal benefits may be affected.

We also cover the most asked questions about when the earnings limit applies and how reporting income affects your benefits. Use this guide to understand the Social Security earnings test 2027, what counts as active income, and how drawing early could reduce your checks before full retirement age.

Watch the full video here:

How Much are you Allowed to Earn?NEW 2027 Social Security Rules fo...

10/19/2026

NEW 2027 Rules for Working & Receiving Social Security | DON'T Mess Up Your Do-Over!

How Much are you Allowed to Earn?
NEW 2027 Social Security Rules for Working While Collecting Benefits

In this video, we cover the 2026 Social Security earnings limits and new rules for people who want to keep working and still collect Social Security benefits.

You will learn how much you can earn before your benefits are reduced, how the earnings limit works under full retirement age and in the year you reach full retirement age. We explain whether your own earnings or joint income matters, what earnings count, how withheld benefits are handled, and how spousal benefits may be affected.

We also cover the most asked questions about when the earnings limit applies and how reporting income affects your benefits. Use this guide to understand the Social Security earnings test 2026, what counts as active income, and how drawing early could reduce your checks before full retirement age.

For More Click HERE:

10/14/2026

This trick will save you taxes in retirement. Watch the full video here: https://youtu.be/TRJ2i59CVN4