Apprise Wealth Management

Apprise Wealth Management At Apprise, our mission is to help people move from retirement uncertainty to an informed retirement.

DIY investing can save money on advisor fees.But near retirement, the cost of doing it alone may surface elsewhere.A dec...
06/16/2026

DIY investing can save money on advisor fees.

But near retirement, the cost of doing it alone may surface elsewhere.

A decision that looks like an investment decision can quickly become a tax decision, a Medicare premium decision, a withdrawal decision, or a cash-flow decision.

That’s where uncertainty can get expensive.

I wrote about 21 DIY investing mistakes that can cost more than fees.

DIY investing mistakes can cost more than fees. Learn 21 warning signs that can lead to tax surprises, timing issues, and retirement planning mistakes.

06/12/2026

I’ve noticed something with people who have been responsible savers their whole lives.

After a loss or a split, the money may be there, but the reassurance is gone. And decisions start to feel heavier.

If that sounds familiar, I made a one-page worksheet to help you get unstuck.

To learn more about navigating finances in times of transition, view our news & articles here:

What does it really mean to be financially well?It is not just about how much money is in your accounts.It is about know...
06/11/2026

What does it really mean to be financially well?

It is not just about how much money is in your accounts.

It is about knowing what matters to you and using your resources to support the life you want to live.

I recently had the opportunity to join the Good Is What Makes You Feel Well podcast to talk about money, well-being, life planning, and the personal story that shaped the work I do today.

We talked about why financial health is connected to emotional well-being, why trust matters so much when working with an advisor, and why I believe your financial plan should start with your life, not your money.

One of the things I shared is that we all have a TEAM of capital:

Time, Energy, Attention, and Money.

The goal is not simply to build the biggest pile of money.

The goal is to use your resources in a way that supports what matters most.

You can listen here:
https://open.spotify.com/episode/1Xg2xYg07yaiCcgAbkwvjx
https://podcasts.apple.com/us/podcast/good-is-what-makes-you-feel-well/id1738762564?i=1000771322057
Or watch here:
https://youtu.be/4MDIgt7Hip8

I hope you find the conversation helpful, especially if you or someone you care about is navigating a new beginning.

Send us Fan Mail (https://www.buzzsprout.com/2293608/fan_mail/new) ...

If you’re on your own now after a loss or a split, you may be surprised by how heavy decisions can feel.Not because you’...
06/09/2026

If you’re on your own now after a loss or a split, you may be surprised by how heavy decisions can feel.

Not because you’re bad at money.

Because the old permission system is gone, and you’re the one who has to decide.

I wrote about what most people miss in that moment, and a simple way to move forward:

Financial planning after a major life change isn’t just math. It’s permission. Learn what changes after divorce or loss, and use a simple decision filter to get unstuck.

A lot of people think taxes are mostly about how much income gets reported on their return.That is only part of the stor...
06/05/2026

A lot of people think taxes are mostly about how much income gets reported on their return.

That is only part of the story.

The real question is what kind of income is in that number, and what type of tax bill that income may trigger.

I wrote about why $100,000 of income is not always taxed the same way: https://apprisewealth.com/news/how-different-types-of-income-are-taxed/

Two households can report the same income and still owe very different taxes. Learn how different types of income are taxed and what that can mean in retirement.

Two people can report the same income and still owe very different amounts of tax.That surprises a lot of people.But the...
06/02/2026

Two people can report the same income and still owe very different amounts of tax.

That surprises a lot of people.

But the amount alone does not tell the whole story. The type of income matters. Filing status matters. And some income affects what happens to other parts of the return.

That becomes much more important in retirement, when income often comes from multiple sources.

I wrote about what most people miss here:

Two households can report the same income and still owe very different taxes. Learn how different types of income are taxed and what that can mean in retirement.

One of the most overlooked questions related to charitable giving is not how much to give.It is where the gift should co...
05/29/2026

One of the most overlooked questions related to charitable giving is not how much to give.

It is where the gift should come from.

Sometimes cash is perfectly fine. Sometimes appreciated stock deserves a closer look. Sometimes an IRA is a better place to start.

The charity may receive the same support either way. The donor’s tax result may not be the same.

Read more here: https://apprisewealth.com/news/where-should-your-charitable-gift-come-from/

Should your charitable gift come from cash, appreciated stock, or a qualified charitable distribution? The source can change your tax result.

A charity may receive the same gift either way.That does not mean the donor’s tax result will be the same.Many people gi...
05/26/2026

A charity may receive the same gift either way.

That does not mean the donor’s tax result will be the same.

Many people give from the easiest place without ever asking whether cash, appreciated stock, or an IRA might make more sense.

Not every gift needs to be optimized.

But this is a question worth asking at least once.

I wrote about it here:

Should your charitable gift come from cash, appreciated stock, or a qualified charitable distribution? The source can change your tax result.

The Roth conversion question is not really, “Should I do one?”A better question is this:What future tax problem am I try...
05/22/2026

The Roth conversion question is not really, “Should I do one?”

A better question is this:

What future tax problem am I trying to solve?

That shift matters. Why? Because a Roth conversion can help in the right situation, but it can also create a tax bill that solves very little.

I wrote about the difference here: https://apprisewealth.com/news/when-a-roth-conversion-helps-and-when-it-doesnt/

A Roth conversion can help, but not always. A Roth conversion may reduce future tax pressure; it also may not. Learn about what factors to consider.

A Roth conversion can be smart.It can also be expensive.The mistake is not always doing one. Sometimes the mistake is wa...
05/19/2026

A Roth conversion can be smart.

It can also be expensive.

The mistake is not always doing one. Sometimes the mistake is waiting too long to notice that a future tax problem may be building inside pre-tax accounts.

That can mean more required distributions later, less flexibility, and more pressure on a surviving spouse.

I wrote about when a Roth conversion helps. And when it doesn’t.

Take a closer look here:

A Roth conversion can help, but not always. A Roth conversion may reduce future tax pressure; it also may not. Learn about what factors to consider.

Address

14840 Hunting Way
Phoenix, MD
21131

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 5pm

Telephone

+14436905240

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