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John G. Ullman & Associates, Inc.

@jgua_hq

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Since 1978, John G. Ullman & Associates has been here to help clients with everything their money touches. Learn more today at the link in our bio!

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Planning for retirement means looking beyond the number in your savings account.

From healthcare and home maintenance to travel, family support and the rising cost of everyday expenses, there are several costs that can be easy to underestimate when preparing for retirement.

A well-rounded retirement plan considers not only what you expect to spend, but also the unexpected expenses and changing priorities that may arise along the way.

Our latest infographic highlights five retirement expenses you might be underestimating and why accounting for them can be an important part of preparing for the years ahead.

Are you confident your retirement plan accounts for the expenses you may face?

Schedule a complimentary retirement plan review consultation with a member of the JGUA team using the link in our bio!

#WealthManagement #FinancialPlanning #Retirement #RetirementPlanning #Infographic by @jgua_hq

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28 minutes ago

Please join John G. Ullman & Associates in welcoming Amara Garber, who has joined the firm as an Administrative Assistant!

Amara will be based at JGUA Headquarters, where she will help support the day-to-day operations of the firm.

We’re excited to have Amara on the team and look forward to the contributions she’ll make. Welcome Amara! by @jgua_hq

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5 days ago

Artificial intelligence has been a major driver of stock market growth. But as questions around AI security, regulation and development risks emerge, investors may be wondering what comes next.

In the latest edition of Financial Health on @wenytv, Renata Stiehl and Jason Nickerson, CFP®, EA discuss what increased scrutiny of AI could mean for technology stocks and the broader investment landscape.

A few key takeaways:

• Separate hype from long-term potential: Regulatory challenges may affect the pace of AI development, but the demand for business efficiency and computing infrastructure remains an important part of the story.

• Watch for overconcentration: Strong performance in a handful of technology stocks can leave portfolios more exposed to one sector than investors realize.

• Stay focused on fundamentals: Companies with strong balance sheets, sustainable earnings and real cash flow can be worth watching amid changing market conditions.

• Prioritize diversification: A portfolio built around your long-term goals is better positioned to navigate uncertainty than one driven by the latest headlines.

The takeaway? Don’t let market momentum—or fear of a reversal—dictate your investment strategy. Discipline, diversification and periodic rebalancing still matter.

Watch the latest episode of Financial Health using the link in our bio! by @jgua_hq

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5 days ago

Small business owners, are you thinking about retirement?

Our Retirement Planning Series continues on October 29 with Retirement for Small Business Owners, presented in partnership with John G. Ullman & Associates, Inc.

Featuring Shawn Twigg, CFP®, this virtual webinar will cover retirement accounts, contributions, and tax basics to help you better understand your options and plan for the future.

Register at the link in our bio.

Thursday, October 29
9:00 AM
Virtual Webinar by @jgua_hq

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6 days ago

Retirement is more than a date on the calendar. It's a major financial transition that deserves thoughtful preparation.

From reviewing your retirement income and healthcare coverage to understanding how your investments will support your next chapter, the decisions you make before retiring can help shape the years ahead.

Our 12-Month Retirement Countdown infographic highlights key milestones to consider as you approach retirement—and in your first 90 days beyond the workforce.

The best time to start planning for retirement is before you get there.

Schedule your no-obligation retirement planning session with a member of the JGUA team today using the link in our bio.

#Retirement #RetirementPlanning #FinancialPlanning #WealthManagement #InvestmentManagement #Healthcare by @jgua_hq

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7 days ago

🏥 Retiring before Medicare? Don't overlook the cost of healthcare in those early retirement years.

In this episode of How I Would Advise, Advisor Sarah E. J. Collier, JD, CFP® walks through Linda's situation.

Linda plans to retire before becoming eligible for Medicare and wants to make sure she's prepared for the cost of healthcare during the transition.

Her question: What healthcare expenses should I be planning for before age 65? 💡

📋 From insurance premiums and out-of-pocket costs to planning for unexpected medical expenses, healthcare can be an important part of your retirement budget—especially before Medicare eligibility.

▶️ Watch as Sarah discusses the factors to consider when planning for healthcare costs before age 65.

#HowIWouldAdvise #RetirementPlanning #HealthcareInRetirement #Medicare #FinancialPlanning #RetirementIncome by @jgua_hq

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12 days ago

What happens to your portfolio when you retire?

For most of your working years, the focus is on saving, investing and growing your wealth. But retirement changes the equation.

When your paycheck stops, your portfolio may take on new responsibilities — helping provide income, manage risk and support your goals.

That means considering questions like:

• How much income do you need?

• Which accounts should you draw from — and when?

• How do Social Security and other income sources fit in?

• Is your investment strategy aligned with your retirement goals and time horizon?

Your retirement portfolio isn't just a collection of investments. It's one piece of a larger plan.

Preparing for retirement or already retired? Schedule a complimentary retirement planning consultation with the team at John G. Ullman & Associates using the link in our bio!

#RetirementPlanning #RetirementIncome #FinancialPlanning #WealthManagement by @jgua_hq

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14 days ago

Please join us in sending congratulations to Scott Townsend, CFP®, who was recently promoted to the role of Advisor!

Scott has continued to grow and take on new responsibilities during his time with the firm, and we’re excited to see him take this next step in his career.

Congratulations, Scott! We’re proud to have you on the JGUA team and look forward to all that’s ahead. by @jgua_hq

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19 days ago

Open enrollment can be easy to overlook—until you’re suddenly faced with a stack of benefit decisions and a deadline.

In the latest edition of Financial Health on @wenytv, Renata Stiehl and Jason Nickerson, CFP®, EA, discuss why early fall is a good time to review your health and workplace benefits.

A few areas to put on the checklist:

• Review your healthcare costs: Look at your year-to-date medical expenses and how much you’ve actually used your current plan.

• Evaluate your HSA: If you have access to an HSA, consider how the plan’s costs and tax benefits fit with your healthcare needs.

• Check your FSA balance: Review what you’ve contributed and what expenses may need to be addressed before year-end.

• Review your beneficiaries: Life changes. Make sure the beneficiaries listed on your retirement accounts and employer-provided life insurance reflect your current wishes.

A little time spent reviewing your benefits now can help you make more informed decisions when open enrollment arrives.

Watch the latest episode of Financial Health using the link in our bio!

*The Financial Health segment is sponsored content* by @jgua_hq

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20 days ago

When was the last time you reviewed your retirement plan?

If you have to think about it, it may be time.

Your plan isn't a "set it and forget it" document. Life moves, markets shift, and tax rules change. A plan that made sense a few years ago may not be doing its job today.

A few questions worth asking yourself:

✔️ Has anything changed in my life?
✔️ Is my investment strategy still appropriate?
✔️ Am I paying more taxes than necessary?
✔️ Have my beneficiaries changed?
✔️ Am I still on track to meet my goals?

Even one "I'm not sure" is a good reason to take a closer look. A regular review can help you catch gaps early, adjust with confidence, and keep your long-term goals on course.

📅 Ready for a fresh set of eyes? Schedule a consultation with a member of the JGUA team to review your retirement plan using the link in our bio.

#RetirementPlanning #FinancialPlanning #WealthManagement #RetirementReady #EstatePlanning #RetirementIncome #RetirementGoals by @jgua_hq

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21 days ago

🏡 Planning a big expense in retirement? Don't forget about the tax impact.

In this episode of How I Would Advise, featuring Associate Advisor Spencer Keller, we look at Michelle, a 66-year-old retiree who is planning to sell several investments to help fund home renovations.

Her question: How should I think about the tax impact before selling appreciated investments? 💰

📋 Selling appreciated investments can have tax consequences, so understanding the potential impact before making a decision can be an important part of the planning process.

▶️ Watch to learn more about the factors to consider when deciding which investments to sell and when.

#RetirementPlanning #TaxPlanning #Investing #FinancialPlanning #WealthManagement #RetirementIncome by @jgua_hq

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24 days ago

The final four months of the year can be a valuable opportunity to take a pace check on your finances before the holiday season and year-end deadlines arrive.

In the latest edition of Financial Health on @wenytv, Renata Stiehl is joined by Jason Nickerson, CFP®, EA to walk through three areas worth reviewing now:

• Retirement contributions: Check your year-to-date 401(k) or IRA contributions and consider whether you’re on pace for your goals.

• Tax withholding: If your income, bonus, employment or household circumstances have changed, a mid-year withholding review can help reduce the risk of an unexpected tax bill.

• Your budget: Look at summer spending, recurring subscriptions and discretionary expenses, and reset your budget before the holiday season arrives.

You don’t have to wait until December to see where you stand. Four months is plenty of time to make meaningful adjustments.

Watch the latest episode of Financial Health using the link in our bio! by @jgua_hq

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