Justin Travis - Trek Wealth Solutions

05/12/2026

Just got back from an incredible few days at the Sowell NEXT25 Summit and I'm excited to share with my clients!🔥

Over 3 days, I sat in sessions with top minds from Morgan Stanley, Fidelity, and Altruist, heard from Arkansas basketball coach John Calipari on leadership and winning, and got a front-row seat to where the financial world is heading.

The big themes that are going to impact YOUR money:
✅ AI is reshaping how financial advisors serve clients — and I'm already putting those insights to work
✅ The traditional 60/40 investment approach needs a modern upgrade
✅ Business owners: there's a $5 trillion opportunity tied to ownership transitions for those who have an exit strategy. How are you preparing to get the highest multiple for your business?
✅ Navigating risk in today's uncertain world requires a proactive, not reactive, strategy

I go to events like this because staying ahead of the curve isn't optional — it's what I owe every client and family I serve.

Curious what any of this means for you? Drop a comment or send me a message — I'd love to connect! 💬

02/06/2026

How do you think you’ll stay busy in retirement?

Some retirees tell me,
“I’m more busy now than I ever was when working.”

Others say,
“I didn’t expect to feel like something was missing.”

Retirement creates space — and eventually, everyone has to decide how they want to use it.

A few questions to ask yourself:
• What activities would you look forward to if work wasn’t on the calendar?
• Do you imagine wanting more quiet time, or more connection and structure?
• How will you continue to challenge your body and mind?

The most fulfilled retirees I work with didn’t leave this to chance. They were intentional about designing their time, not just their finances.

Retirement planning isn’t just about your money and when you can stop working.
It’s about what you’re retiring to.

What’s something you’re looking forward to in retirement?

There are many fun and rewarding activities for those who are retired. Feeling bored? Follow this advice.

01/12/2026

Grateful for the opportunity to join KATV Channel 7 to share practical tips for recovering from holiday spending and building stronger financial habits going into the new year.

Special thank you to Cayla Christian for having me on and for helping Arkansans start off the year on the right foot.

If you’ve ever felt that post-holiday budget “hangover,” this segment has simple steps to help you reset and get back on track.

What’s one money habit you’re working on improving in 2026?
Drop it below or send me a message—I’d love to hear what you're focused on.

As the holiday season wraps up, many are left assessing the financial impact of their festive spending. Financial advisor Justin Travis from Trek Wealth Solutio

01/07/2026

As the holiday season wraps up, many are left assessing the financial impact of their festive spending. Financial advisor Justin Travis from Trek Wealth Solutio

12/30/2025

I recently met with a retired couple who came in for a second opinion.

They felt their advisor was doing a good job — and to be fair, their accounts had performed very well over the past few years.

And at first glance? Everything looked solid.
If life played out exactly as expected, they were on track to leave around $600,000 to their two kids.

But then we ran a few “what if” scenarios—one of them being:

👉 What happens if one spouse passes earlier than expected?

Yes, some expenses drop—but the big ones don’t.
(Housing. Utilities. Property taxes. Insurance.)

And more importantly:

🔹 One Social Security check disappears.
🔹 The husbands Arkansas Teachers Retirement pension? Single-life payout. (That income ends at his passing)

Statistically, women live five years longer than men. That often means a surviving wife could face years of living on significantly less income and would need to use other savings or assets to replace lost income.

This is where real financial planning comes in.
Not just chasing returns, but stress-testing life before it happens.

Here’s what working with me looks like:
✅ I help you think through the questions you didn’t know to ask.
✅ We build a plan that reflects your values, not just your numbers.
✅ And if one spouse has been the household CFO, I’ll be there to support the other if they become the survivor.

Financial security is about more than account balances—it’s about having a guide who plans with empathy, foresight, and partnership.

What’s one retirement or financial planning question you’ve always had, but never knew how to ask?

📩 Drop it in the comments or message me privately—chances are, you’re not the only one wondering.

The earlier we prepare, the more confidence we create.

Financial Advisor | Trek Wealth Solutions

12/19/2025

🚀 Big News for Your 2026 Retirement Plans!

The IRS announced new contribution limits for 2026 in November, and there's a lot to look forward to! Here's a quick breakdown:

🔹 401(k), 403(b), 457 Plans & TSP: Contribution limit increased to $24,500. If you're 50 or older, you can contribute up to $32,500 annually!

🔹 IRA Contributions: Limit increased to $7,500. Catch-up contributions for those 50 and older are now $1,100.

🔹 Roth IRA & Saver’s Credit: Income phase-out ranges have increased, making it easier to qualify and maximize your savings.

🔹 SIMPLE Accounts: Contribution limit up to $17,000, with higher limits for certain accounts.

🔹 Medicare Part B: Monthly premiums will rise to $202.90, impacting how much of your Social Security COLA you'll see.

Stay up-to-date with details about your retirement savings! For full details, check out Notice 2025-67 on the IRS website.

⚠️⚠️⚠️Important reminder for those already in retirement⚠️⚠️⚠️

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.



Sources:
IRS.gov, November 13, 2025
CNBC, November 17, 2025

11/27/2025

Today I am thankful for family, for good food, and for clients who make my work feel like a calling. I am also thankful for stretchy pants and early bedtimes. Hope your Thanksgiving is full of joy, rest, and maybe even a nap before the second round of dessert.

10/07/2025

October is Financial Planning Month – the perfect time for a financial wellness check.

Catching small issues now can prevent big headaches later. After December 31st, this year is locked in and you can't go back.

Here are 5 smart money moves I'm helping clients make before the year ends:

1. Maximize Retirement Contributions:
Are you on track to max out your 401(k), IRA, or HSA? These accounts offer powerful tax advantages, but only if you use them before the deadline. Missing out means leaving money on the table – both in tax savings and future growth.

2. Check Your Tax Withholding:
Nobody wants an April surprise. If you've had major life changes such as a new job, marriage, or a child, your withholding may need adjusting. A quick review now can help you avoid underpayment penalties and potential headaches.

3. Review Your Investment Allocation:
Markets shift. Life changes. Your portfolio should too. Rebalancing ensures you're properly diversified and aligned with your goals. BONUS: Make sure you have the right accounts holding the right assets.

4. Plan Charitable & Family Giving:
Generosity feels good, but strategic giving feels even better. Gifting appreciated stock, bunching contributions, or using Qualified Charitable Distributions can amplify your impact while maximizing tax benefits. Surprisingly, there is a wrong way to give and it costs you more than it should.

5. Schedule Your Year-End Review:
Your advisor should be walking through a comprehensive checklist for you. Ask if they are. If they're not, or if you want to make sure nothing’s missing, you should get a second opinion. A second set of eyes can catch opportunities others overlook.

My financial planning clients have a 48-point checklist that I review for them to help ensure no stone is left unturned.

Send me a DM if you want a copy of this checklist, or let's connect before year-end to make sure you're maximizing every opportunity available to you.

09/24/2025

“Congratulations! You just hired your last financial advisor.”
That’s what most of my new clients get to hear.

Reality check: An estimated 110,000 advisors (~38% of the industry) are projected to retire in the next decade, according to McKinsey & Company.

That’s a massive wave of clients being handed off, relationships disrupted, trust shaken, and financial plans needing rebuilt.

I’ve been in the industry for 10 years (so no, I didn’t just fall off the turnip truck)
but I’m still young enough that I’ll be here for the entire journey.

If all goes according to plan, I’ll be working for at least 40 more years.

That means I’ll be here for you, your children, your grandchildren, and maybe even your great-grandchildren helping them lay the foundation for their financial future.

The last thing you want is to be deep into retirement and suddenly need to find a stranger to watch over your life's savings.

If you’re retired, or close to it, here are a few questions worth asking:

• Am I trusting someone to guide my future... who might not be part of it?

• If I had to choose an advisor today, would I pick someone with 10 years left — or 40?

• What happens when the person who knows my goals, fears, and dreams is suddenly... gone?

• If something happened to my advisor, would my spouse or family know who to call? Or would they be talking to a stranger?

If those questions made you pause, even for a moment, it’s time we talked.

09/15/2025

You’re paying more in taxes than you think — and no one’s telling you.

You file your taxes. You get a refund. You move on.

But here’s what most people don’t realize:
They’re overpaying. Every. Single. Year.

Not because they’re doing something wrong —
But because no one ever showed them how to plan ahead.

Your tax preparer is focused on filing taxes. You need someone focused on reducing them.

Tax strategies aren’t just for the ultra-wealthy.

They’re for the family paying more than they should.
For the business owner who’s just trying to stay afloat.
For the retiree watching their nest egg shrink because they didn’t know better.

What would you do with an extra $2,000 next year?

Put it toward debt?
Fund a family vacation?
Boost your retirement savings?

The money’s there — you’re just giving it to the IRS by default.

Let’s fix that.
Send me a message and let’s review your financial plan for tax strategies — before next April rolls around again.

Policymakers have passed legislation to extend many provisions of the 2017 Tax Cuts and Jobs Act (TCJA) alongside dozens of new tax provisions.