Full Circle Financial Planning

06/02/2026

As we celebrate Pride Month, we reaffirm a core belief that’s guided Full Circle from the beginning: everyone—and every family—deserves the chance to plan for a future that honors their unique story.

Love is love. Family is family. And we’re proud to be an ally on your journey.

05/28/2026

Over the last week, we’ve had a couple clients reach out after reading about the “widow penalty” and how surviving spouses can sometimes face higher taxes and Medicare premiums.

Something to be aware of? Absolutely.
Something to panic over? Usually not.

Things to consider:
• Tax brackets shrink after a spouse passes
• Medicare IRMAA thresholds tighten
• RMDs may stay relatively high
• Planning ahead can help reduce surprises

Every situation is different, especially depending on pensions, Social Security, and retirement account balances.

If you have questions about what your future tax situation could look like, let’s talk.

Surviving spouses often face a 'widow's penalty' in taxes, leading to higher bills and lower deductions. Learn how to mitigate it.

05/04/2026

If you’re in your 40s or early 50s, read this.

You’ve probably done a great job saving for retirement.

401(k)? ✔
Roth IRA? ✔

But everything else still feels… tight.

That’s usually not a savings problem.
It’s a structure problem.

If retirement is on track, the next step is building flexibility for everything happening before it.

https://www.fullcirclefp.com/post/how-much-is-too-much-in-retirement

03/18/2026

Who do you have winning it all?

THE BEST TWO DAYS OF BASKETBALL 🙌

For anyone who needs this 🤝

02/19/2026

Just watched the Oscar-nominated short film Retirement Plan and it stuck with me.

It’s about an older gentleman finally retiring and talking about all the things he’ll do now. It’s heartwarming but also a little sobering.

As a financial planner, I believe in saving for the future. But I also believe some experiences shouldn’t wait. Climbing the Coliseum stairs is easier at 45 than 67. Taking the trip with your kids hits differently when they’re still young.

Planning isn’t about delaying life. It’s about aligning money with what's important to you.

Highly recommend watching it.

In John Kelly’s animated short film, nothing’s off limits when it comes to thinking about the future—particularly when there’s so much left to do.

02/05/2026

AI is changing the conversation about work and the future.

This opinion piece reflects on why uncertainty is not new and why planning still matters.

I recently came across a few headlines about Elon Musk suggesting that saving for retirement may not even matter anymore because of artificial intelligence.I will admit, I found that a little ironic. The richest person in the world telling everyone else to stop saving for the future.That observation...

02/02/2026

🌟 Celebrating Black History Month 🌟

This month, we honor the rich legacy, resilience, and contributions of Black leaders, innovators, and changemakers who have shaped history and continue to inspire progress.

At Full Circle Financial Planning, we are committed to fostering diversity, equity, and inclusion—ensuring that every voice is heard, valued, and empowered. Financial planning should be accessible to everyone, and we’re here to help build a future where opportunity knows no boundaries.

01/28/2026

Why the falling U.S. dollar matters to everyday investors

The dollar recently hit its lowest level in four years. Over time, currency shifts like this can affect everything from international investment returns to inflation and purchasing power. It’s one reason long-term financial planning focuses on diversification and resilience rather than short-term predictions.

Dollar drops against basket of currencies after Donald Trump brushed off concerns over slide

01/19/2026

Today, we honor the legacy of Dr. Martin Luther King Jr., a beacon of unity, love, and acceptance. At Full Circle Financial Planning, we strive to reflect these same values in everything we do—fostering trust, inclusivity, and care in our relationships.

Let’s continue his work by embracing compassion, seeking justice, and building a world where everyone is valued for who they are. Together, we can turn his dream into a reality.

01/14/2026

📉 Mortgage rates just dipped below 6%!

For the first time in years, average 30-year mortgage rates have slipped under the 6% mark. That’s a meaningful shift and could improve affordability or open the door for some buyers and refinancers.

That said, it’s not all smooth sailing. Housing supply is still tight, which continues to put upward pressure on home prices. Lower rates can increase demand, but limited inventory means buyers should stay disciplined and avoid stretching just because rates look better.

As always, it’s about how this fits your bigger financial picture — not just chasing headlines.

Mortgage rates fell below 6% for the first time in years, after Trump said Fannie and Freddie would buy $200 billion worth of mortgage bonds.