Impact Wealth Management

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Impact Wealth Management Flat Fee, Fee Only comprehensive financial advisors who care deeply about their clients Investing involves risk.

As a general rule, you should only trade in financial products that you are familiar with and understand the risk associated with them. Impact Wealth Management is a Registered Investment Advisor in Arizona and South Dakota and is regulated by the State of South Dakota and Arizona.

Happy Anniversary to our Founder and Wealth Advisor, Richelle, and her husband, JR! ❤️🥂Today we're celebrating two prett...
10/30/2026

Happy Anniversary to our Founder and Wealth Advisor, Richelle, and her husband, JR! ❤️🥂

Today we're celebrating two pretty special people and the life they've built together!

Behind every great partnership are plenty of laughs, a little patience, a whole lot of love, and the ability to navigate all of life's adventures together.

Wishing you both a wonderful anniversary and many more years of making memories together!

Help us wish Richelle and JR a Happy Anniversary! 🥰

Year-End Reminder: Don't Forget About Required Minimum Distributions (RMDs)!As we approach November, now is a great time...
10/27/2026

Year-End Reminder: Don't Forget About Required Minimum Distributions (RMDs)!

As we approach November, now is a great time to review your retirement accounts and make sure any required distributions are on track before year-end.

Did you know? RMDs aren't just for retirees age 73 and older. If you've inherited an IRA or other retirement account, you may also be required to take distributions, regardless of your age.

A few things to keep in mind:

✔️ RMDs generally apply to traditional IRAs and many employer-sponsored retirement accounts.

✔️ Inherited retirement accounts have their own distribution rules, which can vary depending on your circumstances.

✔️ Missing a required distribution could result in an IRS penalty.

✔️ For eligible individuals, Qualified Charitable Distributions (QCDs) may provide a tax-efficient way to satisfy all or part of an RMD.

A little planning now can help avoid unnecessary surprises at year-end!

At Impact Wealth Management, we help our clients navigate retirement distribution requirements as part of a thoughtful, comprehensive financial plan.

Disclosure: This information is provided for educational purposes only and is not intended as individualized financial or tax advice. Distribution requirements vary based on individual circumstances. Consult your financial or tax professional regarding your specific situation.

A Little Good News for Charitable Giving!As we approach the end of the year, it's a great time to start gathering record...
10/21/2026

A Little Good News for Charitable Giving!

As we approach the end of the year, it's a great time to start gathering records of your charitable contributions, especially if you've made Qualified Charitable Distributions (QCDs) from your IRA.

What is a QCD?

For individuals age 70½ or older, a QCD allows you to make a donation directly from your IRA to an eligible charity. When done correctly, these donations can be excluded from taxable income and may even count toward your Required Minimum Distribution (RMD).

And here's some good news from the IRS!

Historically, QCDs haven't been specifically identified on Form 1099-R, making it especially important to maintain accurate records and communicate those donations to your tax preparer.

The IRS has now introduced a new reporting code (Code Y) that allows financial institutions to identify QCDs on Form 1099-R. While this reporting is still optional for 2026, it's a welcome step toward making tax reporting a little easier!

At Impact, this is something we help our clients stay on top of.

We help our clients track the QCDs we facilitate throughout the year so they have the information they need when tax season arrives.

It's one more way thoughtful financial planning goes beyond managing investments.

As always, good recordkeeping and communication with your tax professional remain important!

Please Join Us in Welcoming Lucas!We're excited to introduce Lucas Fitzgerald, AAMS®, who joined Impact Wealth Managemen...
10/19/2026

Please Join Us in Welcoming Lucas!

We're excited to introduce Lucas Fitzgerald, AAMS®, who joined Impact Wealth Management in August as our Associate Advisor Apprentice!

As Lucas continues to learn and grow in his role, he'll be working alongside our team to support the thoughtful, personalized service that's at the heart of what we do at Impact.

As our team grows, we're committed to preserving what makes Impact special: meaningful relationships, thoughtful financial planning, and a genuine commitment to the people we serve.

We're so glad to have Lucas as part of the Impact team and excited for what lies ahead!

Please join us in giving him a warm welcome! 👏

🍕 Good Food. Great Cause. Meaningful Impact. ❤️We're excited to support Haiti Alive, a local nonprofit doing meaningful ...
10/19/2026

🍕 Good Food. Great Cause. Meaningful Impact. ❤️

We're excited to support Haiti Alive, a local nonprofit doing meaningful work to help families in Haiti!

Join us TONIGHT, October 19, between 4:30–8:00 PM at Pizza Ranch (41st & Kiwanis in Sioux Falls) for an evening of good food and giving back.

At Impact Wealth Management, we believe making an impact goes beyond financial planning. It's about showing up for our communities, supporting causes that matter, and making a difference wherever we can.

Our team will be participating in tonight's fundraiser, and we'd love to see some familiar faces there!

🍕 Eat pizza. Feed families. Make an impact. ❤️

📅 Medicare Open Enrollment Begins Today!A friendly reminder that Medicare's annual Open Enrollment Period runs from Octo...
10/15/2026

📅 Medicare Open Enrollment Begins Today!

A friendly reminder that Medicare's annual Open Enrollment Period runs from October 15 through December 7.

If you're currently enrolled in Medicare, now is a great time to review your coverage for the coming year.

Premiums, prescription drug coverage, and provider networks can change, so even if you're happy with your current plan, it's worth taking a look!

Healthcare is an important part of retirement planning, and staying informed is one way to prepare for the years ahead.

🎀  October is Breast Cancer Awareness Month.Breast cancer awareness is about more than wearing pink. It's about encourag...
10/13/2026

🎀 October is Breast Cancer Awareness Month.

Breast cancer awareness is about more than wearing pink. It's about encouraging conversations, prioritizing our health, understanding our individual risks, and recognizing the importance of early detection.

It's also about showing up for one another. Supporting those in treatment, celebrating survivors, remembering those we've lost, and standing alongside families whose lives have been forever changed.

At Impact, we believe that living a meaningful life begins with taking care of what matters most. And nothing matters more than the people we love and the health that allows us to enjoy life together.

Today, we're reminded to talk with our healthcare providers about recommended screenings, check in on a friend, and never underestimate the difference a little compassion can make.

To everyone whose life has been touched by breast cancer, we see you, we honor you, and we're cheering you on. 💗

🧠 October 10 is World Mental Health Day!When we talk about preparing for retirement, the conversation often centers arou...
10/10/2026

🧠 October 10 is World Mental Health Day!

When we talk about preparing for retirement, the conversation often centers around finances. Have you saved enough? Will your money last? Can you afford the lifestyle you've envisioned?

But there's another important part of retirement planning that doesn't always get the attention it deserves: your mental and emotional well-being.

Retirement is a major life transition! For many people, work has provided more than a paycheck. It's provided purpose, routine, relationships, and even a sense of identity.

When those things suddenly change, retirement can feel very different from what we imagined.

That's why we believe preparing for retirement should involve more than just a financial plan. It's also about asking some of the bigger questions. What will give your days purpose? How will you stay connected, keep learning, nurture your relationships, and prioritize your well-being?

In fact, the entire first section of Richelle's book, Retire with Joy, is dedicated to mental and emotional preparation for retirement. From building healthy habits and finding purpose to preparing your marriage and keeping your mind engaged, these are things worth thinking about long before your last day of work.

Because we believe a successful retirement is measured by more than dollars and cents. It's about living with purpose, connection, and joy. 🧡

🎉 It’s Financial Planning Month! 🎉We know, we know… you’ve probably been counting down the days. October rolls around an...
10/06/2026

🎉 It’s Financial Planning Month! 🎉

We know, we know… you’ve probably been counting down the days. October rolls around and while everyone else is thinking about pumpkin patches, fall colors, and Halloween, you’re thinking, “Finally! Financial Planning Month!” 😂

Okay… maybe that’s just us.

The truth is, we really DO love this stuff. We love digging into the details, running the numbers, thinking ahead, asking the “what if?” questions, and making sure all the pieces of your financial life are working together.

And there’s a reason we spend so much time doing it: so you don’t have to.

You should get to spend your time doing the things YOU love with the people you love.

We’ll happily spend ours thinking about tax planning, retirement projections, investment strategies, estate planning, and all those little details that probably aren’t keeping you awake with excitement. 😉

So happy Financial Planning Month from the people who are genuinely nerdy enough to celebrate it. 🎉

We’ll happily spend our time on the planning. You go enjoy October. 🍂

Address

4301 W 57th Street Suite 110
Sioux Falls, SD
57108

Opening Hours

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

Telephone

+16053330123

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