Morris & Pursley Financial Plans

05/20/2025

Planning your own legacy doesn’t have to be complicated. We can help you create a simple, tax-smart plan that honors your wishes.

Legacy financial planning is about more than just who gets what. It’s about making sure your wishes are honored, your money goes where it’s needed, and your loved ones are supported without added stress.

04/29/2025

Retirement should feel simple—not stressful.

✅ No tax surprises

✅ Predictable income

✅ Confidence in your plan

That’s what we help our clients build every day.

If you’re not there yet, let’s talk about how to get you there.

04/25/2025

❓"What’s IRMAA—and why is it costing me more for Medicare?"

If your income is above a certain threshold, you could be paying extra every month.

The good news? A personalized withdrawal strategy can help you avoid it.

Missy helps you plan with taxes, Medicare, and income in mind.

04/21/2025

Timing your Social Security benefits is about more than “full retirement age.”

💡 The right timing could lower your taxes and increase your lifetime income.

Missy helps clients map out their full income picture—not just one piece of it.

➡️ Curious what that looks like? Let’s talk.

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04/17/2025

📅 The tax deadline has passed… now what?

If you’re recently retired (or close to it), now’s the time to get ahead on your 2025 tax strategy.

We'll help you plan smart—before RMDs, IRMAA charges, or unexpected income push your tax bill higher than it needs to be.

👉 Ready for a proactive review? Schedule a call: https://calendly.com/retire-happy-with-missy

04/15/2025

Taxes don’t stop when you retire—but with the right plan, you can reduce what you owe and keep more of your income.

From Social Security timing to Roth conversions, this new blog covers simple ways to create a smarter retirement income plan.

https://www.retirehappytexas.com/post/tax-efficient-retirement-planning-keep-more-of-your-money

04/14/2025

Did you know your Social Security benefits could be taxed—depending on how and when you claim them?

Smart retirement planning means more than saving—it’s about creating income in a tax-efficient way.

Missy breaks down five easy strategies in her latest blog:

Tax-efficient retirement planning is one of the most important parts of your financial strategy. We've got five simple ways to keep more of your income, year after year.

02/13/2025

👉 If you’re a Texas teacher, your Social Security benefits may have changed.

The Windfall Elimination Provision (WEP) is gone, which means:

✅ No more reductions in Social Security benefits

✅ Spouses & survivors now get full benefits

✅ You may qualify for back payments up to $50,000

📅 Changes took effect in January 2024, but you may need to take action to claim what you're owed.

Get clarity on your benefits—schedule a free retirement check-up today!

🔗 https://www.retirehappytexas.com/post/teachers-social-security-wep-repeal-benefits

02/04/2025

When it comes to planning your retirement income, ask yourself:

1️⃣ What do I NEED my income to do?
2️⃣ What do I WANT my income to do?
3️⃣ What’s on my WISH list?

Start building your House of Security by prioritizing guaranteed income as the foundation.

01/28/2025

🚨 The #1 Risk in Retirement You Can’t Ignore 🚨

Longevity risk isn’t just another concern—it’s a risk multiplier that impacts every other challenge, from market volatility to long-term care.

The good news? You don’t have to navigate this alone. Tools like annuities can help safeguard your future.

💡 Want to learn more about reducing retirement risks? Send us a DM or drop a 💬 below!

01/22/2025

🕰 Your Parents’ Retirement vs. Yours: What's Changed?
Retirement planning has come a long way from the days of pensions and predictable Social Security benefits. Today, we face new challenges—market volatility, longer lifespans, and the need for personalized strategies.

Are you confident in your plan for the Go-Go, Slow-Go, and No-Go years? 🤔

If you want to talk about retirement in Central Texas, reach out!

01/10/2025

💡 Here’s a little secret about retirement planning: It’s not just about saving — it’s about setting up your finances so you can actually spend your money and enjoy your life.

Too many people live a “just-in-case” retirement, afraid of running out of money if something unexpected happens. But there’s a better way. We’ll help you create a plan that gives you permission to spend with confidence.

🗓 Ready to take the next step? Let’s talk about how to make your retirement dreams a reality. https://calendly.com/retire-happy-with-missy