Strategy Financial Group

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Strategy Financial Group We help you with saving, investing, and retirement income so you can enjoy the retirement you deserve. You’ve worked hard your entire life.

And you deserve the retirement you’ve always dreamed of. No matter what your plans are for the future, creating a custom plan to ensure that your assets provide for you and your family the way you want means partnering with a team of experienced professionals with the ability to bring your dreams to reality. We know that retirement planning and financial planning can be complicated, but we also know our business. Our years of experience allow us to provide clear, easily understood explanations of products and services to help you make the best decisions. Strategy Financial Group is a recognized industry leader when it comes to comprehensive Retirement Planning and Financial Planning. For more than a decade, Strategy Financial Group has helped hundreds of clients tailor a personalized retirement plan to best fit their goals. Strategy Financial Group is based in Phoenix, Arizona with additional offices in Chandler, Mesa, Scottsdale, Oro Valley and Tucson. Investment advice is offered by Strategy Financial Services, LLC, a Registered Investment Adviser. Insurance and annuity products are sold separately through Strategy Financial Group, LLC. Strategy Financial Group, LLC is not affiliated with Strategy Financial Services, LLC although associates or employees of Strategy Financial Group may be Investment Advisory Representatives of Strategy Financial Services, LLC. Securities transactions for Strategy Financial Services, LLC clients are placed through TD Ameritrade Institutional. Past performance is not necessarily indicative of future results. There can be no guarantee that these objectives will be met under all market conditions.

Retirement Vocabulary: Risk ToleranceNot everyone reacts to market ups and downs the same way—and that's okay.Risk toler...
10/24/2026

Retirement Vocabulary: Risk Tolerance

Not everyone reacts to market ups and downs the same way—and that's okay.

Risk tolerance is your ability and willingness to accept investment risk while working toward your financial goals. It can be influenced by factors like your age, retirement timeline, financial situation, and personal comfort with market volatility.

Understanding your risk tolerance can help you build an investment strategy that's aligned with your long-term objectives rather than short-term emotions.

The goal isn't to avoid risk entirely—it's to find a level of risk that's appropriate for your unique situation.

We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

💡 Did You Know?📖 In 1994, financial planner William Bengen published research that introduced what became known as the 4...
10/22/2026

💡 Did You Know?

📖 In 1994, financial planner William Bengen published research that introduced what became known as the 4% Rule—a guideline for estimating how much retirees might withdraw from their savings each year.

📊 Based on historical market data and specific assumptions, the research suggested that an initial 4% withdrawal rate may have supported a 30-year retirement in many historical scenarios.

🧭 While the 4% Rule remains a popular starting point for retirement income discussions, it's a guideline—not a guarantee. The right withdrawal strategy depends on factors such as market conditions, spending needs, taxes, and your overall financial plan.

Strategy Financial Group does not provide specific legal or tax advice. Please consult with a qualified professional for guidance on your individual situation. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

You can work while receiving Social Security retirement benefits. But before reaching full retirement age, how much you ...
10/21/2026

You can work while receiving Social Security retirement benefits. But before reaching full retirement age, how much you earn can affect how much you receive.

The Social Security Administration recently announced its earnings limits for 2027.¹

For people who remain below full retirement age throughout the year, the limit will increase to $25,560. Social Security generally withholds $1 in benefits for every $2 earned above that amount.

For those reaching full retirement age during 2027, a higher $67,920 limit applies to earnings before the month they reach that age. After reaching full retirement age, the retirement earnings test no longer applies.

Here's a detail that deserves more attention⬇️

Not every source of retirement income counts toward the earnings limit.

Social Security generally considers wages and net earnings from self-employment. It does not count pensions, annuities, investment income, or interest toward this particular limit.²

There is also an important distinction between benefits being withheld and benefits being permanently forfeited.

When someone reaches full retirement age, Social Security recalculates their benefit to account for months in which payments were reduced or withheld because of the earnings test.³

For someone planning a gradual transition out of the workforce, these rules can affect the timing and amount of retirement income available along the way.

The decision to begin Social Security while continuing to work deserves more analysis than simply comparing a salary to an annual limit.

Sources
1. Social Security Administration: 2027 COLA and Earnings Limits Fact Sheet
2. Social Security Administration: Working While Receiving Social Security
3. Social Security Administration: Retirement Benefits and Employment

Strategy Financial Group is not associated with, or endorsed by, the Social Security Administration or any governmental agency. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

Social Security benefits will increase 3.6% in 2027. But that doesn't necessarily mean the amount deposited into your ba...
10/20/2026

Social Security benefits will increase 3.6% in 2027. But that doesn't necessarily mean the amount deposited into your bank account will increase by 3.6%.

The Social Security Administration announced the adjustment on October 14. For the average retired worker, it estimates an increase of approximately $75 per month, bringing the average benefit to $2,170.¹

That is useful information, but it's only part of the retirement-income picture.

Many retirees have Medicare premiums deducted directly from their Social Security payments. Those deductions can change, and some beneficiaries pay additional premiums based on income.²

The final 2027 Medicare Part B premium has not yet been announced.

As a result, the increase in someone's gross Social Security benefit may differ from the increase in their monthly deposit.

Social Security will provide personalized notices showing updated benefit amounts and applicable deductions. These notices are expected to become available online in late November and by mail in December.³

For retirees reviewing their 2027 budgets, those personalized figures will be more useful than the national average.

An annual benefit adjustment is important. Understanding what actually reaches the household each month is what makes the information useful for retirement planning.

Strategy Financial Group is not associated with, or endorsed by, the Social Security Administration or any governmental agency. Strategy Financial Group is not associated with, or endorsed by, the Centers for Medicare & Medicaid Services or any governmental agency. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

Sources
1. Social Security Administration, October 14, 2026: 2027 Social Security COLA Announcement
2. Social Security Administration: 2027 Social Security Changes
3. Social Security Administration: 2027 COLA Notices and Medicare Information

Retirement Vocabulary: Catch-Up ContributionsIf you're age 50 or older, you may be eligible to contribute more to certai...
10/17/2026

Retirement Vocabulary: Catch-Up Contributions

If you're age 50 or older, you may be eligible to contribute more to certain retirement accounts than younger savers under current IRS rules.

These additional contributions, known as catch-up contributions, are designed to help individuals who want to increase their retirement savings as they get closer to retirement.

Keep in mind that contribution limits and eligibility requirements can change over time, so it's important to review the current IRS rules each year.

Every extra dollar you save today has the potential to strengthen your retirement strategy tomorrow.

We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

Medicare prescription drug coverage will have a $2,400 annual out-of-pocket threshold in 2027.That's an important protec...
10/16/2026

Medicare prescription drug coverage will have a $2,400 annual out-of-pocket threshold in 2027.

That's an important protection for people with Medicare Part D coverage.

But it doesn't mean total prescription and healthcare expenses are limited to $2,400.

The threshold applies to covered Part D prescription drug spending under the program's rules.

Monthly plan premiums, medications that aren't covered by the plan, and other healthcare expenses need to be considered separately.

Before choosing coverage for 2027, it can be helpful to review the prescriptions you currently take, the plan's covered drug list, and the total expected costs.

A spending limit is useful information. Understanding what it includes is just as important.

Source: Medicare.gov, Medicare Part D Costs for 2027

This material is provided for informational purposes only and should not be used as the basis for any financial decisions. Strategy Financial Group is not associated with, or endorsed by, the Centers for Medicare & Medicaid Services or any governmental agency. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

💡 Did You Know?💼 In 2006, employers began offering Roth 401(k) accounts, giving eligible employees another way to save f...
10/15/2026

💡 Did You Know?

💼 In 2006, employers began offering Roth 401(k) accounts, giving eligible employees another way to save for retirement through their workplace.

💰 Unlike traditional 401(k) contributions, Roth 401(k) contributions are made with after-tax dollars. If IRS requirements are met, qualified withdrawals in retirement can be tax-free.

📊 Whether a traditional or Roth 401(k) is the better fit depends on factors such as your current tax situation, future expectations, and retirement goals.

Strategy Financial Group does not provide specific legal or tax advice. Please consult with a qualified professional for guidance on your individual situation. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

Still working after age 65 and contributing to a Health Savings Account (HSA)?There is a Medicare enrollment rule worth ...
10/14/2026

Still working after age 65 and contributing to a Health Savings Account (HSA)?

There is a Medicare enrollment rule worth understanding before you retire.

When someone enrolls in Medicare after age 65, premium-free Part A coverage can begin retroactively, generally up to six months before the application date.

Once Medicare coverage begins, that person is no longer eligible to contribute to an HSA.

That means continuing HSA contributions too close to Medicare enrollment could create an excess-contribution issue.

For someone planning to retire later than 65, the timing of Medicare enrollment and HSA contributions deserves attention.

This is separate from the annual Medicare Open Enrollment period that begins October 15.

Source: Medicare.gov, When Medicare Coverage Starts

This material is provided for informational purposes only and should not be used as the basis for any financial decisions. Strategy Financial Group is not associated with, or endorsed by, the Centers for Medicare & Medicaid Services or any governmental agency. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

Medicare Open Enrollment begins October 15. But there is an important distinction between being able to change your Medi...
10/13/2026

Medicare Open Enrollment begins October 15. But there is an important distinction between being able to change your Medicare coverage and being guaranteed access to supplemental insurance.

During annual Open Enrollment, Medicare beneficiaries can switch between Medicare Advantage and Original Medicare.¹

However, switching to Original Medicare does not necessarily guarantee that someone will qualify for the Medigap policy they want.

Under federal law, Medigap generally has a one-time, six-month Open Enrollment period that begins when someone is at least 65 and enrolled in Medicare Part B.²

Outside that period, an insurance company may be permitted to evaluate medical history, charge more, or deny an application unless a guaranteed-issue protection applies. Additional protections may also exist under state law.

This creates a planning consideration that can be overlooked when comparing premiums and coverage options.

Before switching from Medicare Advantage to Original Medicare, it is important to understand whether supplemental coverage will be available and under what conditions.

The financial implications of a healthcare decision can extend beyond the coverage selected for the coming year.

Sources
1. Medicare.gov, Medicare Open Enrollment: Open Enrollment Rules
2. Medicare.gov, Medigap enrollment rights: Medigap Eligibility and Protections

This material is provided for informational purposes only and should not be used as the basis for any financial decisions. Strategy Financial Group is not associated with, or endorsed by, the Centers for Medicare & Medicaid Services or any governmental agency. We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

Retirement Vocabulary: Cash FlowCash flow is the money coming in and going out over a period of time. In retirement, und...
10/10/2026

Retirement Vocabulary: Cash Flow

Cash flow is the money coming in and going out over a period of time. In retirement, understanding your cash flow means knowing where your income comes from, what your regular expenses are, and how those two work together.

A clear picture of your cash flow can help you make informed decisions about spending, saving, and withdrawals throughout retirement. Because everyone's financial situation is different, reviewing your income and expenses regularly can be an important part of staying on track.

We use the marketing name 'Strategy Financial Group' in describing the collective services offered through our affiliated companies. Investment advice is offered through Strategy Financial Services, LLC, a registered investment adviser. Insurance and annuity products are offered separately through Strategy Financial Insurance, LLC.

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7010 E. Chauncey Lane, Suite 130
Phoenix, AZ
85054

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 1pm

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