Neches Retirement and Investment Services

04/29/2026

Great wine and great wealth have something in common—they both reward patience. 🍷

Behind every perfect vintage is time, care, and consistency. The same goes for your financial strategy. The goal isn't quick wins or a perfect growing season, but something that matures over time.

Let's raise a glass to long summer nights with friends, trusted bottles full of years of promise, and a life worth savoring.

Salut! 🥂

04/22/2026

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/

03/25/2026

You might be paying more in taxes than you need to—and not even realize it.

From investment timing to account selection, small decisions can have a big impact on your total tax bill. Here are five areas to keep in mind this tax season.

12/22/2025

Wishing You a Very Merry Christmas.

10/15/2025

Interested in Estate Planning? Contact Catherine McLarty at 409-749-6315 today.

10/03/2025

09/26/2025

Relocating in retirement? There's more to think about than sunny weather and home prices.

Where you live can affect access to health care, social connection, and day-to-day lifestyle—key factors that often get overlooked.

Before making a move, consider:
🌎 Does the location match the pace of life you’re looking for?
🏥 Are nearby medical services available and reliable?
💬 Will you feel connected to your community?

Relocation can be exciting, but it’s worth considering how a new zip code may shape your future quality of life.


Source:

Looking to retire and relocate? Deciding where to land isn't as easy as it sounds. Retirement experts say many retirees face challenges like rising costs and community support.

09/15/2025

🎓 September is College Savings Month — Let’s talk numbers.

The average cost of tuition and fees ranges from just over $20k to nearly $63k per year, but that’s not the whole story.

Many students receive aid from grants, loans, and scholarships to help pay for school, but there’s often still a gap. Savings can be a valuable tool to help manage those costs.

📌 Swipe through to see what college costs look like today, how students are paying, and why every little bit of preparation can make a difference. Don't forget to like and share!

Source: College Board, Trends in College Pricing and Student Aid, 2024.

09/10/2025

Budgeting and saving start with a few smart habits:
✔️ Track spending
✔️ Aim to cut unnecessary expenses
✔️ Set clear goals

Small steps today can help build a financial foundation for tomorrow.

Interested in more tips? Reach out by commenting below ✍️

09/05/2025

Are you ready for National 401(k) Day? Established by the Plan Sponsor Council of America, this day is observed on the Friday following Labor Day. It’s a great opportunity to focus on retirement strategy and your financial future.