Axberg Wealth Management LLC

Axberg Wealth Management LLC At Axberg Wealth Management, we are dedicated to finding the right options for your future. Fulton St., Ada, MI 49301.

By pursuing a holistic approach to financial planning, we will create innovative solutions to protect what matters most - your family, your purpose, your passions. Paul Axberg CPA, PFS, CFP®, CIMA® is an investment advisor representative of and securities and advisory services are offered through USA Financial Securities - Member FINRA/SIPC, a registered investment advisor located at 6020 E. Axberg Wealth Management LLC is not affiliated with USA Financial Securities.

09/05/2026

How lifestyle may impact tax on social security benefits
The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com

09/04/2026

Taxes are on sale--Saving the taxes on social seciruty benefits

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 3, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/29/2026

Calculating Taxes on Social Security Benefits
"For most of your working life, Social Security was something taken out of your paycheck. In retirement, it becomes something you receive — and the way it interacts with the rest of your income can surprise even careful planners.

Here's the mechanism. Depending on your total income, a portion of your Social Security benefit can become taxable. As you draw more from other sources — an IRA withdrawal, a Roth conversion, a capital gain — more of your benefit can be pulled into your taxable income at the same time. The result is that a single additional dollar of income can effectively be taxed twice over: once directly, and again by making more of your Social Security taxable. This compounding effect is what advisors call the ""tax torpedo,"" and it can push your true marginal rate on that dollar well above the bracket you think you're in.

Because this effect depends entirely on the interaction between your benefit and your other income, it can't be understood by looking at Social Security alone or your investments alone. The timing of when you claim, the order in which you draw down accounts, and whether a Roth conversion makes sense in a given year are all connected to how much of your benefit ends up taxed. Change one, and you change the others.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — walks through how the taxation of Social Security works under current law, why the marginal rate on an additional dollar can be higher than expected, and how coordinating the claiming decision with the rest of the plan can change the outcome.

During your working years, taxes were withheld before you ever saw the money. In retirement, how much you pay is largely determined by how you manage your accounts — and Social Security is one of the biggest moving parts in that equation. It's a decision best made by one person who can see the whole picture at once.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/26/2026

How you may be able to minimize taxes on social security benefits
"For most of your working life, Social Security was something taken out of your paycheck. In retirement, it becomes something you receive — and the way it interacts with the rest of your income can surprise even careful planners.

Here's the mechanism. Depending on your total income, a portion of your Social Security benefit can become taxable. As you draw more from other sources — an IRA withdrawal, a Roth conversion, a capital gain — more of your benefit can be pulled into your taxable income at the same time. The result is that a single additional dollar of income can effectively be taxed twice over: once directly, and again by making more of your Social Security taxable. This compounding effect is what advisors call the ""tax torpedo,"" and it can push your true marginal rate on that dollar well above the bracket you think you're in.

Because this effect depends entirely on the interaction between your benefit and your other income, it can't be understood by looking at Social Security alone or your investments alone. The timing of when you claim, the order in which you draw down accounts, and whether a Roth conversion makes sense in a given year are all connected to how much of your benefit ends up taxed. Change one, and you change the others.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — walks through how the taxation of Social Security works under current law, why the marginal rate on an additional dollar can be higher than expected, and how coordinating the claiming decision with the rest of the plan can change the outcome.

During your working years, taxes were withheld before you ever saw the money. In retirement, how much you pay is largely determined by how you manage your accounts — and Social Security is one of the biggest moving parts in that equation. It's a decision best made by one person who can see the whole picture at once.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/22/2026

The Social Security Tax Torpedo
"For most of your working life, Social Security was something taken out of your paycheck. In retirement, it becomes something you receive — and the way it interacts with the rest of your income can surprise even careful planners.

Here's the mechanism. Depending on your total income, a portion of your Social Security benefit can become taxable. As you draw more from other sources — an IRA withdrawal, a Roth conversion, a capital gain — more of your benefit can be pulled into your taxable income at the same time. The result is that a single additional dollar of income can effectively be taxed twice over: once directly, and again by making more of your Social Security taxable. This compounding effect is what advisors call the ""tax torpedo,"" and it can push your true marginal rate on that dollar well above the bracket you think you're in.

Because this effect depends entirely on the interaction between your benefit and your other income, it can't be understood by looking at Social Security alone or your investments alone. The timing of when you claim, the order in which you draw down accounts, and whether a Roth conversion makes sense in a given year are all connected to how much of your benefit ends up taxed. Change one, and you change the others.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — walks through how the taxation of Social Security works under current law, why the marginal rate on an additional dollar can be higher than expected, and how coordinating the claiming decision with the rest of the plan can change the outcome.

During your working years, taxes were withheld before you ever saw the money. In retirement, how much you pay is largely determined by how you manage your accounts — and Social Security is one of the biggest moving parts in that equation. It's a decision best made by one person who can see the whole picture at once.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/22/2026

"For most of your working life, Social Security was something taken out of your paycheck. In retirement, it becomes something you receive — and the way it interacts with the rest of your income can surprise even careful planners.

Here's the mechanism. Depending on your total income, a portion of your Social Security benefit can become taxable. As you draw more from other sources — an IRA withdrawal, a Roth conversion, a capital gain — more of your benefit can be pulled into your taxable income at the same time. The result is that a single additional dollar of income can effectively be taxed twice over: once directly, and again by making more of your Social Security taxable. This compounding effect is what advisors call the ""tax torpedo,"" and it can push your true marginal rate on that dollar well above the bracket you think you're in.

Because this effect depends entirely on the interaction between your benefit and your other income, it can't be understood by looking at Social Security alone or your investments alone. The timing of when you claim, the order in which you draw down accounts, and whether a Roth conversion makes sense in a given year are all connected to how much of your benefit ends up taxed. Change one, and you change the others.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — walks through how the taxation of Social Security works under current law, why the marginal rate on an additional dollar can be higher than expected, and how coordinating the claiming decision with the rest of the plan can change the outcome.

During your working years, taxes were withheld before you ever saw the money. In retirement, how much you pay is largely determined by how you manage your accounts — and Social Security is one of the biggest moving parts in that equation. It's a decision best made by one person who can see the whole picture at once.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 3, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/19/2026

For IRMAA, Income and Cash Flow Are Two Different Things
"Medicare doesn't set your Part B and Part D premiums based on what you earn today. It looks back two years. The income reported on your tax return this year is what determines the premium you pay two years from now — and because that lookback is built into the rules, most people discover the surcharge long after the year that caused it has already closed.

This is where the surcharge known as IRMAA — the Income-Related Monthly Adjustment Amount — can catch retirees off guard. Under current rules, crossing a bracket threshold by even a single dollar can step your premium up to the next tier for the entire year. A one-time event — a large Roth conversion, the sale of a property, a concentrated capital gain, an inherited distribution — can lift your income just enough to trigger a higher tier, and at the time it happens there's no warning bell.

What makes IRMAA difficult is that it can't be managed in isolation. The same Roth conversion that may make sense for long-term tax planning can also push you across an IRMAA line. Whether crossing that line is worth it depends on the full picture: your bracket, your Social Security, your withdrawal sequence, and what the conversion is meant to accomplish over the years ahead.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — explains how the two-year lookback works, where the bracket thresholds sit under current law, and why IRMAA planning belongs inside a coordinated retirement income strategy rather than treated as a surprise on a statement.

The gap between a financial advisor and a tax planner is where retirement wealth can quietly erode. When one person manages both the portfolio and the tax strategy, the IRMAA question gets asked before the income is locked in — not after.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/15/2026

The Dreaded "IRMAA Letter"
"Medicare doesn't set your Part B and Part D premiums based on what you earn today. It looks back two years. The income reported on your tax return this year is what determines the premium you pay two years from now — and because that lookback is built into the rules, most people discover the surcharge long after the year that caused it has already closed.

This is where the surcharge known as IRMAA — the Income-Related Monthly Adjustment Amount — can catch retirees off guard. Under current rules, crossing a bracket threshold by even a single dollar can step your premium up to the next tier for the entire year. A one-time event — a large Roth conversion, the sale of a property, a concentrated capital gain, an inherited distribution — can lift your income just enough to trigger a higher tier, and at the time it happens there's no warning bell.

What makes IRMAA difficult is that it can't be managed in isolation. The same Roth conversion that may make sense for long-term tax planning can also push you across an IRMAA line. Whether crossing that line is worth it depends on the full picture: your bracket, your Social Security, your withdrawal sequence, and what the conversion is meant to accomplish over the years ahead.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — explains how the two-year lookback works, where the bracket thresholds sit under current law, and why IRMAA planning belongs inside a coordinated retirement income strategy rather than treated as a surprise on a statement.

The gap between a financial advisor and a tax planner is where retirement wealth can quietly erode. When one person manages both the portfolio and the tax strategy, the IRMAA question gets asked before the income is locked in — not after.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/12/2026

Don't Learn About IRMAA The Hard Way!
"Medicare doesn't set your Part B and Part D premiums based on what you earn today. It looks back two years. The income reported on your tax return this year is what determines the premium you pay two years from now — and because that lookback is built into the rules, most people discover the surcharge long after the year that caused it has already closed.

This is where the surcharge known as IRMAA — the Income-Related Monthly Adjustment Amount — can catch retirees off guard. Under current rules, crossing a bracket threshold by even a single dollar can step your premium up to the next tier for the entire year. A one-time event — a large Roth conversion, the sale of a property, a concentrated capital gain, an inherited distribution — can lift your income just enough to trigger a higher tier, and at the time it happens there's no warning bell.

What makes IRMAA difficult is that it can't be managed in isolation. The same Roth conversion that may make sense for long-term tax planning can also push you across an IRMAA line. Whether crossing that line is worth it depends on the full picture: your bracket, your Social Security, your withdrawal sequence, and what the conversion is meant to accomplish over the years ahead.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — explains how the two-year lookback works, where the bracket thresholds sit under current law, and why IRMAA planning belongs inside a coordinated retirement income strategy rather than treated as a surprise on a statement.

The gap between a financial advisor and a tax planner is where retirement wealth can quietly erode. When one person manages both the portfolio and the tax strategy, the IRMAA question gets asked before the income is locked in — not after.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

08/08/2026

"Medicare doesn't set your Part B and Part D premiums based on what you earn today. It looks back two years. The income reported on your tax return this year is what determines the premium you pay two years from now — and because that lookback is built into the rules, most people discover the surcharge long after the year that caused it has already closed.

This is where the surcharge known as IRMAA — the Income-Related Monthly Adjustment Amount — can catch retirees off guard. Under current rules, crossing a bracket threshold by even a single dollar can step your premium up to the next tier for the entire year. A one-time event — a large Roth conversion, the sale of a property, a concentrated capital gain, an inherited distribution — can lift your income just enough to trigger a higher tier, and at the time it happens there's no warning bell.

What makes IRMAA difficult is that it can't be managed in isolation. The same Roth conversion that may make sense for long-term tax planning can also push you across an IRMAA line. Whether crossing that line is worth it depends on the full picture: your bracket, your Social Security, your withdrawal sequence, and what the conversion is meant to accomplish over the years ahead.

In this video, Paul Axberg — a CFP®, CPA, and CIMA® with nearly 30 years working exclusively with retirees and pre-retirees — explains how the two-year lookback works, where the bracket thresholds sit under current law, and why IRMAA planning belongs inside a coordinated retirement income strategy rather than treated as a surprise on a statement.

The gap between a financial advisor and a tax planner is where retirement wealth can quietly erode. When one person manages both the portfolio and the tax strategy, the IRMAA question gets asked before the income is locked in — not after.

One advisor. One fee. Everything connected.

The opinions expressed herein are not meant to provide specific investment advice or serve as a prediction for future stock market performance. We recommend everyone consult with a financial professional for advice related to their own, individual financial situation or plan.

Paul D. Axberg is an investment advisor representative of, and securities and advisory services are offered through, USA Financial Securities, Member FINRA/SIPC. A Registered Investment Advisor located at 6020 E. Fulton St., Ada, MI 49301. Axberg Wealth Management is not affiliated with USA Financial Securities. View USA Financial Securities Form CRS:https://www.usafinancial.com/hubfs/Investor%20Documents/USA%20Financial%20Securities%20-CRS.pdf

For further information, please contact our office:
Axberg Wealth Management
Office: 13613 West Camino Del Sol Suite 5, Sun City West, AZ 85375
Main: 623-398-0128
Web: https://axbergwealth.com"

Address

13613 W Camino Del Sol Suite 5
Sun City West, AZ
85375

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 1pm
Friday 8am - 1pm

Telephone

+16233980128

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