Wealth Ratio Advisors

29/09/2026

Happy National Coffee Day!

Whether it’s your first cup of the morning, an afternoon pick-me-up or an excuse to meet someone for a conversation, coffee has a way of finding its way into the workday.

So we want to know:

Are you team black coffee, latte, cold brew or something else entirely?

And more importantly — what Pittsburgh coffee shop should everyone try at least once?

27/09/2026

Planning for your child’s future can mean preparing for more than just college. From 529 plans and custodial accounts to Roth IRAs, trusts and other investment options, different strategies offer varying levels of flexibility, tax advantages and control.

Explore eight ways to help build a strong financial foundation for the next generation—and consider which approach best aligns with your family’s goals.

Explore the different investment accounts that can help you support your child’s financial future.

26/09/2026

Retirement planning often starts with numbers.

But the numbers are only part of the conversation.

What do you actually want retirement to look like?

Where will you live?

How do you want to spend your time?

Will you travel?

Work part-time?

Help children or grandchildren?

Support organizations that matter to you?

The clearer the vision, the easier it becomes to connect your financial decisions to the life you’re trying to build.
https://bit.ly/4ARXkKH

25/09/2026

Higher income in retirement can sometimes come with an unexpected cost: Medicare IRMAA surcharges. Because these added premiums are based on your modified adjusted gross income from two years prior, proactive tax and income planning can make a meaningful difference.

Learn about strategies that may help reduce or avoid IRMAA, including managing RMDs, considering Roth conversions and using qualified charitable distributions.

Consider these key actions to help avoid an increase in your Medicare premiums.

22/09/2026

Hello, fall.

A new season can be a good excuse to tackle a few financial housekeeping items.

Consider using your fall reset to:

✓ Review beneficiaries
✓ Organize important documents
✓ Check progress toward retirement goals
✓ Revisit your emergency savings
✓ Make a list of year-end financial questions

Small check-ins throughout the year can make planning feel much more manageable.
https://bit.ly/47ekNYA

21/09/2026

For many retirees, aging in place offers comfort, familiarity and independence—but staying in your home can come with costs that are easy to overlook. Home modifications, maintenance help, aging appliances, transportation and rising insurance premiums can all affect your retirement budget.

Thinking ahead about these expenses can help you determine whether aging in place fits into your long-term financial plan. Explore five potential costs to keep on your radar.

Think paying off your mortgage means a cheap retirement? From home modifications to maintenance, these sneaky aging-in-place costs can derail your retirement.

18/09/2026

For business owners, personal and business finances are often closely connected.

A decision about the company can affect retirement, taxes, cash flow, insurance and even your family’s financial future.

A few questions worth considering:

• What does retirement look like for you?
• How dependent is your personal wealth on the business?
• Is there a succession plan?
• Who could step in if you were unexpectedly unable to work?
• What do you want the business to eventually provide for your family?

Building a successful business is one goal.

Building a plan for what comes next is another.
https://bit.ly/4rhvHpE

16/09/2026

A regular financial check-in can help you see what’s working, identify areas that may need attention and keep your goals on track. From savings and spending to investments, insurance and retirement planning, reviewing the bigger picture can help you make more informed financial decisions.

See what to consider when giving your finances a health check:

6 steps to help you assess your overall financial wellness

15/09/2026

Here’s why today's bond market may offer compelling income opportunities for investors, according to Ameriprise Financial Fixed Income Strategist Brian Erickson.

12/09/2026

Managing cash flow is about making sure your money supports both today’s needs and tomorrow’s goals. From tracking spending and building reserves to prioritizing debt and savings, a thoughtful cash flow strategy can help create greater financial flexibility.

Explore practical ways to strengthen your personal cash flow management.

Create a personal cash flow management plan that works for your short-term needs and long-term goals.