Stonebriar Wealth Advisors

12/24/2025

The Fed hit the “cut” button again, its second rate drop this year. 👀
What does that mean for your savings, bonds, or investments?
We break it down simply (no economist-to-English dictionary required). Read this article to learn more!

On October 29, 2025, the Federal Reserve—the Fed—cut interest rates by 0.25%. This lowered the federal funds rate to between 3.75% and 4.00% When the Fed adjusts rates, it influences nearly every corner of the financial world, including savings accounts, bond prices, and the stock market. Here.....

12/22/2025

💬 Let’s talk!
What’s one thing you wish you’d learned about money sooner? Drop your answer in the comments; your story could inspire someone else to think differently about their financial journey. 💡

Money touches every part of our lives, yet most of us had to learn the hard way what works, and what doesn’t. Maybe you wish someone had explained credit cards before your first one, or that you’d started investing earlier, or simply understood how small spending habits add up. Whatever it is, y...

12/19/2025

💡 What if one of your best retirement tools has been hiding in plain sight, right inside your health plan?

Your Health Savings Account (HSA) isn’t just for doctor visits, it’s a triple-tax-advantaged gem that could play a powerful role in your long-term strategy.

💭 Are you spending your HSA… or investing it for tomorrow? Let's talk!

What if one of the most useful tools for your long-term strategy has been sitting quietly in your benefits package all along? When open enrollment season begins, millions of Americans start reviewing health plan options, often focusing on premiums and deductibles. But buried in those choices lies so...

12/17/2025

Retirement used to mean “clocking out for good.” Now it often means “logging in… on your own terms.” 💻✨Thinking about a side hustle in your next chapter? Let’s chat about how it could fit into your retirement goals. 👇

For many Americans today, retirement doesn’t mean stepping away from work; it means working differently. Recent studies show that about one in five retirees (19%) is currently working part-time, while roughly one in four pre-retirees (27%) plans to continue working in some capacity once they retir...

12/15/2025

🎄 'Tis the season for joy, not debt!

The holidays don’t have to derail your finances. With a little planning, mindful spending, and focus on what truly matters, you can celebrate fully and start the new year strong.

✨ Ready to align your financial goals with your holiday plans?

It happens every year — the joyful rush of the holiday season collides with the quiet panic of realizing how much it all costs. Between travel, gifts, parties, and festive meals, even the most disciplined budgets can feel stretched. According to consumer spending trends, holiday expenses remain on...

12/10/2025

Did you know that inherited IRA rules just changed for 2025?
Non-spouse heirs may now have to take annual withdrawals or face a 25% penalty.

If you’ve inherited an IRA or plan to leave one, understanding the new requirements could help prevent costly mistakes.
🕒 Learn more about what’s changed and how timing your withdrawals matters.

What’s worse than forgetting to take out the trash? Forgetting to take money out of your inherited IRA, because in 2025, that mistake could lead to a potential 25% penalty. Under updated IRS guidance, non-spouse heirs such as adult children may need to begin taking required minimum distributions (...

12/08/2025

Did you know you can use your IRA to give back and reduce taxable income?
A Qualified Charitable Distribution (QCD) lets individuals 70½+ donate up to the federally allowed amount ($108,000 in 2025) directly to charity, satisfying RMDs and supporting causes that matter.
Smart giving starts with strategy. 💙

📘 Learn more in this article!

What if your retirement income could do more than support your lifestyle? What if it could help support the causes you care about? As retirees seek both financial efficiency and social impact, Qualified Charitable Distributions (QCDs) have become a valuable strategy. According to the Internal Revenu...

12/05/2025

Federal employees: your benefits are powerful, are you maximizing them?
Let’s review your FERS, TSP, and insurance options together to help align your retirement strategy with your goals.

💬 Schedule your complimentary meeting today.

Did you know that federal employees make up nearly 2 million workers nationwide, yet many don’t fully utilize the retirement and financial benefits available to them (1)? Between the Federal Employees Retirement System (FERS), the Thrift Savings Plan (TSP), and a variety of insurance and pension p...

12/03/2025

The One Big Beautiful Bill Act (OBBBA) introduces major updates to estate and tax rules starting in 2026.
Learn how the new law may affect gifting, charitable giving, and business succession strategies.

The One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, introduces some of the most significant updates to estate and tax rules in years. Starting January 1, 2026, these changes may affect how families, business owners, and farmers prepare for the future.

11/28/2025

Markets at record highs again, but what goes up… doesn’t always come down right away. Here’s what investors should know. 📈

11/26/2025

Life insurance protects your family if you’re gone.
Disability insurance protects you if you’re not.
Different needs, same goal: income protection.

👥 Let’s chat about which coverage makes sense for your stage in life.

What would happen if you couldn’t work for several months, or worse, if you were no longer here to support your loved ones? It’s not a pleasant scenario to imagine, yet it raises an important question: Is life insurance enough, or should you also consider disability coverage?

11/24/2025

The SECURE Act changed more than just retirement ages; it reshaped how we save, withdraw, and pass down our money. From new RMD rules to the end of the “Stretch IRA,” here’s what every retiree should know.

When Congress passed the Setting Every Community Up for Retirement Enhancement (SECURE) Act in 2020, it introduced some of the most significant updates to retirement law in decades. While the name sounds reassuring, the law also brought new rules and a fair amount of complexity. For retirees and tho...