Roy Lenzo III, President/CEO/Certified Financial Planner

05/25/2026

05/10/2026

Happy Mother’s Day! We want to take a moment to thank all the moms for the relentless effort and countless sacrifices you put in every day. What do you appreciate most about your mom?

04/15/2026

Tax Day is here!


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03/17/2026

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What if your most expensive tax decision in 2026 happens long before you file your return?
Tax prep looks backward; tax strategy looks ahead, and that gap is where real after-tax outcomes get decided.

A few high-impact levers to keep on the radar:
➡️ When Income Lands: Timing bonuses, self-employment income, and retirement distributions can help manage brackets.

➡️ How You Might Save: Consider taking advantage of the higher 401(k) limits in 2026 and catch-up provisions—but be sure to look into whether you need to use a Roth for those catch-up contributions.

➡️ Where Giving Shows Up: New rules change how charitable gifts and Adjusted Gross Income (AGI) limits work together.

➡️ What You Do in Down Markets: Tax-loss harvesting can turn volatility into a tool, not just noise.

➡️ With most retirement accounts, once you reach age 73, you must begin taking required minimum distributions. Roth accounts are the exception. Withdrawal penalties may apply if you take the money before age 59½. Roth IRA distributions must meet a 5-year holding requirement and occur after the account holder reaches age 59½.

Preparing year-round can help shape future cash flow, flexibility, and choices.



Sources:
➡️ https://www.affiancefinancial.com/news/tax-planning-or-tax-preparation-which-do-i-need
➡️ https://www.bdo.com/insights/tax/irs-issues-final-catch-up-contribution-regulations-for-salary-deferrals-in-retirement-plans
➡️https://www.irs.gov/pub/irs-drop/n-25-67.pdf
https://silvertaxgroup.com/donor-advised-funds-strategy/
➡️ https://www.fidelitycharitable.org/guidance/charitable-tax-strategies/bunching-charitable-donations.html
➡️ https://www.bankrate.com/retirement/convert-to-roth-ira/

02/06/2026

We’re already one month into the year—how are your financial goals shaping up? February is the perfect time for a quick progress check to stay on track. Need guidance? Let’s connect!

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01/26/2026

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January marks the start of tax season.

Now is a good time to gather documents, review last year’s income, and plan next steps. Early preparation helps reduce stress and avoid surprises later.

01/23/2026

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As the U.S. enters 2026, economists are watching several key factors that may influence the economic landscape in the year ahead. While growth held up better than expected in 2025, many households continue to feel pressure from elevated costs.

Among the biggest questions are whether inflation will continue to cool, how the Federal Reserve may respond to changes in employment, and whether housing affordability will improve gradually over time. Experts are also monitoring how the adoption of artificial intelligence could affect job growth and productivity, as well as whether stock market gains can be broadened beyond a small group of leading companies.

Taken together, these factors suggest a year shaped less by dramatic shifts and more by gradual adjustment, as businesses and consumers respond to evolving economic conditions.



Source:

From stubbornly high living costs to a softer labor market, economists say these are the forces that will shape the year ahead.

01/02/2026

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A new Realtor.com analysis indicates that home prices may decline in 22 of the 100 largest U.S. cities in 2026, with most of the projected decreases concentrated in the South and West. Seven of the eight largest cities in Florida are expected to see price drops, with the Cape Coral–Fort Myers area forecast to fall 10.2%, the steepest decline in the country.

The North Port–Sarasota–Bradenton region is projected to follow with an 8.9% decline. These metros saw significant demand during the pandemic boom, and rising inventory and more balanced conditions are now contributing to softer price expectations.

While 22 cities are slated for declines, prices in the remaining large metropolitan areas are still expected to rise, albeit modestly, with a median increase of approximately 4%. The report also notes a potential uptick in existing-home sales, which are projected to reach 4.13 million in 2026.

A new report from Realtor.com projects that the housing market will shift in a more buyer-friendly direction in 2026.

12/31/2025

Happy New Year! Let’s make this the year you take bold steps toward your goals. Wishing you health, happiness and success!

Best wishes,
Roy Lenzo