Ruby Financial Planning, LLC

10/21/2026

A common misunderstanding I hear all the time is that if you claim your SS benefit while you're still working, they "take" part of your SS. Definitely not true.

Working seniors could get a little more breathing room in their budgets next year thanks to this small change.

10/19/2026

A little good news for those of you drawing Social Security.

The payment increase reflects a year of high inflation and will benefit more than 72 million people.

10/17/2026

Over 27 years of my career, this is probably the mistake I've seen made the most. If you are inheriting funds it's one of the most crucial times to work with a financial planner.

One checkbox on a 401(k) distribution form can trigger a tax bill that wipes out years of a parent's savings, and the IRS gives non-spouse heirs no second chance to undo it.

10/13/2026

"To find out what's changing for your 2027 Medicare or Medicare Advantage plan, scrutinize your Annual Notice of Change (ANOC) letter you should have received last month explaining the latest shifts. If you ignored it, rescue it from the pile."

The 2027 annual Medicare open enrollment period for Medicare enrollees starts Oct. 15.

10/10/2026

If you're 65+ be sure to take a glance at these numbers so there aren't any surprises during open enrollment.

Some Medicare costs for 2027 aren’t final yet, but the latest government forecasts offer a clearer picture of what beneficiaries can expect.

10/03/2026

Context matters....a 7% mortgage isn't terrible to where they've been historically.

Today’s mortgage rates aren’t all that different from the rates of years past. Here’s how they compare.

10/01/2026

If you have a family member in college or starting in the fall of 2027, it's time to fill out the FAFSA! Pretty much every school will require it to be done. It could be in your best interest to do it as close to October 1st as possible.

09/18/2026

I've received some confused looks over the years the few times I've made this recommendation. It's not necessarily a bad thing, as long as it's not permanent.

Pausing retirement savings isn't ideal, but it can make sense when you need to tackle high-interest debt, emergencies, or other pressing financial needs.

09/15/2026

It could make sense to refinance student loans, but be sure to weigh the pros and cons before doing so.

Refinancing student loans can lower your rate — but it's not for everyone. Here's what beginners need to know.

09/05/2026

If you have a large capital gain from investment accounts or properties, selling a business, doing a Roth conversion...you don't have to just accept paying the capital gains tax. The gains can be eliminated or reduced. CALL ME!

How are capital gains taxed? Capital gains are profits from the sale of a capital asset, such as shares of stock, a business, a parcel of land, or a work of art. Capital gains are generally included in taxable income, but in most cases, are taxed at a lower rate. A capital gain is realized when a ca...