Joyful Wealth Planning

09/01/2026

A few simple habits can go a long way toward helping keep your personal and financial information protected. How does cybersecurity connect to your broader financial picture? What steps are you taking at home and with your business?

08/25/2026

One of the best ways to prevent becoming a victim of a suspicious online offer is to recognize these scams and avoid them altogether. Look for these signs:
- There's a sense of urgency
- The offer is too good to be true
- The message is from an unreliable source

08/15/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

08/06/2026

We Care About Your Financial Security – Emergency Toolkit (Compliments of Florida's Division of Consumer Services)
At Joyful Wealth Planning LLC, we go beyond just providing services – we care about your future. That’s why we’re sharing with our clients the Emergency Financial Preparedness Toolkit, designed to help you protect your finances and assets whether in the face of hurricanes, other natural disasters or unforeseen emergencies.
What is inside?
• Easy-to-use checklists for your financial accounts and insurance
• Tips for safeguarding important documents
• Guidance on filing claims and tracking repairs
• A personal asset inventory to help you recover faster
We’re proud to support our community and clients with resources that make a difference. Download your toolkit today and let us know if you need help filling it out or have questions about your coverage. Remember the saying, "Failing to plan is planning to fail". This is true not just in relation to emergencies but also for your financial future. If you know someone who has not done any financial planning for their future, please share this resource with them along with our contact information. We are here to help people "plan to succeed".
Enjoy the rest of the summer!

Copy and paste the link below to view the Emergency Toolkit PDF.
https://acrobat.adobe.com/link/spaces/urn:aaid:sc:VA6C2:0d169d44-2ade-41f5-a263-b47dd87cbd98/

08/01/2026

If your kids are starting a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. For more information or to set up a meeting, drop us a note today!

We can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.

07/15/2026

Major student loan changes are set to take effect July 1, bringing updates to borrowing limits, repayment options, and federal aid eligibility.
New rules will limit how much some students and parents can borrow. Parent PLUS loans will be capped at $20,000 per year and $65,000 total per student, while new caps will also apply to graduate and professional degree borrowing.
Repayment options are also changing. New federal loan borrowers will have fewer choices, with options narrowing to a tiered standard repayment structure or a new income-driven option called the Repayment Assistance Program.
Borrowers currently enrolled in SAVE may also need to choose a new repayment option, with loan servicers expected to send notices about next steps.
Pell Grant rules are changing as well, including expanded eligibility for some short-term workforce training programs.
For borrowers and students, the takeaway is simple: watch for communications from loan servicers, confirm contact information is current, and review available options before deadlines arrive.

Source:

Loan revamp affects how much students and families can borrow to pay for college, as well as their repayment options.

07/04/2026

06/21/2026

To all the dads out there: wishing you a happy, restful Father's Day!

05/25/2026

With deepest gratitude, we honor our fallen heroes who made the ultimate sacrifice for our freedom.

05/15/2026

I wanted to introduce you to a new member of our team, Administrative Associate Andrew Steinhubel. Andrew will be helping us serve you more efficiently. Our entire office works toward your financial success, so we are fortunate to have another dedicated, quality team member working with us to help service your needs. Welcome to the team Andrew!