Benefit Financial Services Group

10/05/2026

When it comes to finances, it’s tempting to keep our cards close to our chest. Here’s how to open up the conversation — you might be surprised where it goes...

10/01/2026

The 0.1% are worth $28 trillion, or about 15% of the nation’s total wealth. The average wealth for a household in this group is over $200 million.

10/01/2026

Turning 65 comes with cake, cards, and... a Medicare deadline. 🎉🩺

Here's what actually matters:

📅 Initial Enrollment Period = 7 months (3 before your birthday month + that month + 3 after)
💼 Still working? You may be able to delay Part B penalty-free — IF your coverage is through current employment
⚠️ COBRA is NOT active employer coverage for Part B timing — waiting for it to end can cost you your window
🏥 Original Medicare vs. Medicare Advantage — different structures, different trade-offs
💳 Enrolling in Medicare zeroes out your HSA contribution limit — starting that month

Miss the window without a qualifying exception, and late-enrollment penalties can last a very long time.

Check out the blog for the full details: https://na2.hubs.ly/H080cch0.

Educational content only. This is not insurance, tax, or legal advice — Medicare decisions depend on your specific coverage and circumstances.

09/30/2026

Beyond the physical damage, a virtual storm of misinformation, deepfakes, and conspiracy theories erupted, leaving an enduring legacy. What are the leadership lessons?

09/28/2026

Failed to get tickets for your favourite gig? That’s when Fomo strikes, leaving you at the mercy of scammers just waiting to prey on disappointed and desperate fans

09/28/2026

Nobody loves a red position. But it might love you back at tax time. 😅

Tax-loss harvesting, without the jargon:

📉 Sell an investment for less than you paid = realized capital loss
⚖️ Use that loss to offset capital gains
💵 Losses left over? Deduct up to $3,000 ($1,500 if married filing separately) against other income
⏭️ Extra losses carry forward to future years — they don't expire
🚫 Buy back the same (or a "substantially identical") investment within 30 days? Wash-sale rule says no deduction

The catch: this is a tax tool, not an investing strategy. Don't let the tax tail wag the portfolio dog.

Check out the blog for the full details: https://na2.hubs.ly/H080c7K0.

Educational content only. Not individualized investment or tax advice. Investing involves risk, including loss of principal.

09/27/2026

Flights and hotels are now customary expenses to attend some weddings, in addition to gifts. But invitations aren’t obligations. Here's a guide from the Wall Street Journal.

09/24/2026

Crypto feels new. The IRS's rules? Not so much. 👀

Here's crypto tax in one scroll:

💰 Buy & hold = no tax (yet)
🔁 Swap one coin for another = taxable event
🛍️ Spend crypto on a coffee = taxable event (yes, really)
⚡ Staking rewards = ordinary income the moment you control them
🔄 Wallet-to-wallet transfers you own = generally not taxable

The IRS treats digital assets as property — so trades, swaps, and spends can all create a gain, loss, or income. And with Form 1099-DA now phasing in (gross proceeds since 2025, basis reporting starting 2026), your activity is getting easier for the IRS to see, too.

The real key: cost-basis tracking. Know what you paid, when, and for what — before December, not during your return.

Check here for the full post: https://na2.hubs.ly/H080c6z0

Educational content only. Not individualized tax, legal, or investment advice. Talk to your tax professional about your specific situation.

09/24/2026

Howard Marks has a message for investors worried about how America's fiscal situation could impact markets: don't dump your stocks.

09/23/2026

One family is fighting a $736 million gift tax bill on its GRATs while the popular trusts proliferate.

05/29/2026

🎓 Happy National 529 Day!

Did you know SECURE 2.0 created a new path for unused 529 education savings? For the first time, certain unused 529 funds can be rolled into
a Roth IRA — giving your overfunded college account a second life. 💰

Swipe through our full guide to see:
✅ How the 529 → Roth IRA rollover works
✅ The 5 requirements you must meet
✅ 2026 rollover limits ($35K lifetime / $7,500/year)
✅ How employers can now match student loan payments
✅ Why state taxes matter — a lot

⚠️ These rules are complex and state tax treatment varies. Talk to a financial advisor before making any moves.

👇 Save this post and tag a parent who needs to see this!

🔗 Full blog post at https://na2.hubs.ly/H05P8tC0

—
💼 Benefit Financial Services Group | Fiduciary Advisory Services
📍 https://na2.hubs.ly/H05P5vN0 | See link in bio for full disclosures.

Our BFSG Blog contains valuable information about your goals and our services.