Spohn Partners: Financial Planning and Investment Management

10/06/2026

Providing financial support to children, grandchildren, or other family members can be a meaningful way to make an impact today, but it's important to consider the financial, tax, and long-term planning implications before making a gift.

A thoughtful gifting strategy should align with your overall financial plan and family goals.

Learn how a comprehensive financial planning approach can help you make informed decisions: 🔗 https://www.spohnpartners.lpl.com/our-process

09/22/2026

Tax planning isn’t just about this year—it’s about building consistency over time. Strategies like tax-loss harvesting, charitable giving, and retirement contributions can work together to improve efficiency—but only if they’re executed thoughtfully. Waiting until the last minute limits your options. Click the link to learn how to approach year-end tax planning with a more strategic, long-term mindset.
https://www.spohnpartners.lpl.com/blog/8-advanced-year-end-tax-planning-moves-to-review-before-year-end

09/08/2026

As the year winds down, your tax strategy becomes more important—not less. High-income households often face complex tax exposure, but with the right planning, there may be opportunities to reduce liabilities and improve long-term outcomes. The key is being proactive, not reactive. Click the link to explore advanced year-end tax strategies worth considering before deadlines approach.
https://www.spohnpartners.lpl.com/blog/8-advanced-year-end-tax-planning-moves-to-review-before-year-end

09/07/2026

We recognize the dedication and hard work that drive progress forward. Wishing you a meaningful Labor Day.

08/26/2026

Where you keep your cash matters.

Two identical savings balances can produce dramatically different outcomes depending on the account—and over time, that difference adds up.

This article explores why traditional savings rates stay low and what to consider if you want your cash to work more efficiently.

📖 Read more:

Big‑name banks often pay far less than the national average on savings. Here’s why, how that affects retirees, and a simple framework for getting more from your cash.

08/20/2026

Today’s workforce is facing increasing pressure—from rising costs of living to evolving career demands and caregiving responsibilities.

While many employers recognize these challenges, the full scope—and its impact on employees’ financial and emotional well-being—may still be underestimated.

Bridging this gap can play a key role in strengthening both employee stability and long-term business success.

👉 Explore the full findings:

Retirement confidence slipped in 2026 for both workers and retirees.

08/11/2026

Year-end planning isn’t just about checking a box—it’s about creating opportunity. When you plan ahead, you give yourself time to optimize taxes, rebalance investments, and make intentional financial decisions instead of rushed ones. The earlier you start, the more control you have. Click the link to learn how early planning can reduce stress and improve outcomes.
https://www.spohnpartners.lpl.com/blog/the-early-bird-advantage-why-starting-year-end-planning-now-can-pay-off

08/06/2026

Retirement isn’t a static phase—it’s a series of transitions.

While housing, healthcare, and daily expenses often take center stage, the real challenge is preparing for how those costs may shift over time.

Building flexibility into your financial plan can help you navigate those changes with more confidence and fewer surprises.

👉 Explore the full article:

Your expenses in retirement evolve and change from your working life and not accounting for this is usually the most overlooked part of retirement.

07/30/2026

Year-end planning doesn’t begin in Q4—it starts now.

Taking time earlier in the year to organize your finances, evaluate progress, and plan for potential tax implications can help you approach year-end with greater clarity and confidence.

Our 2026 Year-End Financial Strategy Guide is designed to help you stay proactive, uncover opportunities, and remain aligned with your long-term goals.

📘 Review the full guide here: [link]

Preparing for year-end financial planning doesn’t start in the final months of the year, it starts well before Q4. Taking time earlier in the year to organize your finances, evaluate your progress, and understand potential tax implications can help you make more informed, confident decisions when ...

07/23/2026

A new savings option is gaining attention for families planning ahead.

Trump Accounts, introduced under the One Big, Beautiful Bill Act (OBBBA), are designed to help parents and grandparents begin investing for a child’s future earlier—with a structured, government-sponsored approach.

Understanding how these accounts work could help you determine whether they fit into your broader financial strategy.

📘 Learn more about Trump Accounts and their potential benefits:

Expected Launch: July 4th, 2026 Trump Accounts are a new government‑sponsored savings option created under the One Big, Beautiful Bill Act (OBBBA) to help families start investing for their children early