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JMB Financial Managers, Inc. JMB Financial Managers is a comprehensive financial service firm located in Orange County, California.

Your child may already have a Trump Account. That doesn’t mean it’s set up.The Treasury Department says automatic enroll...
10/26/2026

Your child may already have a Trump Account. That doesn’t mean it’s set up.

The Treasury Department says automatic enrollment now covers every eligible child with a valid Social Security number. But a parent or legal guardian still has to formally activate the account, either at trumpaccounts.gov or through the program’s app.

Babies who are U.S. citizens with a Social Security number and were born between January 1, 2025, and December 31, 2028, may qualify for a one-time $1,000 government contribution once the account is claimed.

A few details families are weighing: Yearly contributions are capped at $5,000, though government and charitable contributions don’t count toward that limit. The money generally can’t be touched until a child turns 18, and earnings are taxed when withdrawn. That’s a key difference from 529 accounts, which grow tax-free but are limited to education costs.

Which account fits best depends on what a family is saving for, and that’s a conversation worth having with a financial professional.


Read More: https://tinyurl.com/3f8khafp

How many years before you are ready to be “retired”?It’s one of the most important numbers yet.TIAA's 2026 longevity lit...
10/22/2026

How many years before you are ready to be “retired”?

It’s one of the most important numbers yet.

TIAA's 2026 longevity literacy research found that workers who expect a shorter retirement save less consistently than those who expect a longer one.

That makes sense, but it also means the people who assume their retirement will be short are the same ones who may be building portfolios with shorter time horizons.

Once someone has already reached 65, the numbers shift.

According to Social Security Administration data:

-A 65-year-old man has roughly a 24 percent chance of living past 90
-A 65-year-old woman's chances are higher, closer to 35 percent
-For a 65-year-old married couple, there is about a 50 percent chance that at least one spouse lives past 90

The practical implication is not "assume you will live to 100."

It’s that a retirement income strategy built around the “average lifespan” often assumes a person will die on schedule. Most people do not.

If retirement is on your horizon, the question to ask is, "What happens to my income strategy if I live to 95?"


Sources:
TIAA.org, 2026.
https://www.tiaa.org/public/institute/publication/2026/longevity-expectations-and-retirement-readiness
SSA.gov, 2026.
https://www.ssa.gov/oact/STATS/table4c6.html

Knowing what to do during a market downturn can be very different from actually doing it.AI can provide information, but...
10/20/2026

Knowing what to do during a market downturn can be very different from actually doing it.

AI can provide information, but a financial professional who understands your goals and circumstances can help you navigate decisions when emotions run high. Our blog explores why behavioral coaching matters.

Read more: https://tinyurl.com/yeyrexsd

Taking a “big picture view” can help you make better short-term decisions that help you optimize your financial future. ...
10/19/2026

Taking a “big picture view” can help you make better short-term decisions that help you optimize your financial future. https://tinyurl.com/yeym23ne

Knowing what to do during a market downturn can be very different from actually doing it.AI can provide information, but...
10/08/2026

Knowing what to do during a market downturn can be very different from actually doing it.

AI can provide information, but a financial professional who understands your goals and circumstances can help you navigate decisions when emotions run high. Our blog explores why behavioral coaching matters.

Read more: https://tinyurl.com/yeyrexsd

Why do families put off estate conversations?For some, it's believing there aren't enough assets to need one. For others...
09/28/2026

Why do families put off estate conversations?

For some, it's believing there aren't enough assets to need one. For others, it's procrastination, confusion, cost, or simply feeling uncomfortable bringing it up.

Whatever the reason, waiting can make an already difficult conversation even harder.

Here are some practical ways to start the conversation with aging parents before a crisis makes it necessary: https://jmbfinmgrs.advisorwebsite.com/blog/when-your-parents-need-you-be-adult

The retirement conversation couples avoid is often not about money. It is about timing, identity, health, family, home, ...
09/26/2026

The retirement conversation couples avoid is often not about money.

It is about timing, identity, health, family, home, purpose, and what daily life will actually look like once work no longer provides the structure it once did.

A financial strategy matters. But so does making sure both partners have had an honest conversation about what they want retirement to feel like. Read more: https://tinyurl.com/ypknfkdc

Here's the challenge: there's no deadline.No law is expiring. No clock is ticking. Which is exactly why it's easy to put...
09/24/2026

Here's the challenge: there's no deadline.

No law is expiring. No clock is ticking. Which is exactly why it's easy to put off reviewing your estate documents.

Trusts built years ago to capture a lower exemption before it disappeared may now be doing nothing useful or quietly creating new costs, like blocking a step-up in cost basis for your heirs. Beneficiary designations, powers of attorney, and named executors can all become outdated over time.

Sometimes it starts with one question over dinner: "When did we last look at this?" We're glad to help with the conversation from there.
https://jmbfinmgrs.advisorwebsite.com/blog/does-new-tax-law-impact-your-estate-strategy

Did you know your Medicare plan can change for next year even if you don't touch a thing?Each fall, Medicare Advantage a...
09/22/2026

Did you know your Medicare plan can change for next year even if you don't touch a thing?

Each fall, Medicare Advantage and Part D plans send a letter called the Annual Notice of Change.

It arrives by September 30 and outlines what's different starting January 1: premiums, copays, network doctors, and covered medications.

Most people never open it. A large share of Medicare beneficiaries never compare their options.

Open Enrollment runs October 15 through December 7. Take the time to note what is changing for the coming year.

Yom Kippur is a sacred time of reflection, atonement, and renewal.For those observing, it is a time to pause, look inwar...
09/18/2026

Yom Kippur is a sacred time of reflection, atonement, and renewal.

For those observing, it is a time to pause, look inward, make amends, and consider how to move forward with greater intention.

In a world that often moves quickly, moments of reflection can remind us of what matters most: our relationships, our values, our responsibilities, and the kind of life we want to build.

Wishing all who observe a meaningful Yom Kippur and an easy fast.

Address

6 Hutton Center Drive, Suite 1280
Santa Ana, CA
92707

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

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+19492513544

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