Nicholas St George, CFP

Nicholas St George, CFP Helping you be intentional with money so you can focus on enjoying life. Member FINRA & SIPC.

• Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. FINRA.org and SIPC.ORG.

• Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.

• The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Tax planning matters more as retirement gets closer.When you’re 15 or 20 years out, you still have room to make moves. W...
09/14/2026

Tax planning matters more as retirement gets closer.

When you’re 15 or 20 years out, you still have room to make moves. When retirement is right around the corner, one wrong decision can stick around for a long time.

That’s why the decade before retirement is where tax planning stops being a side note and starts running the show.

If you’re near that stage, don’t wait for April to tell you what you should’ve done earlier.

Plan ahead.

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

The three places retirement money quietly goes sideways are usually the ones people don’t plan for.First, spending. The ...
09/12/2026

The three places retirement money quietly goes sideways are usually the ones people don’t plan for.

First, spending. The first couple of years can get a little enthusiastic. Travel, family trips, a few “we’re retired now” moments. Totally normal. Just don’t let fun turn into a budget ambush.

Second, healthcare. Even healthy retirees get surprised by costs they didn’t see coming.

Third, inflation. It doesn’t make a scene. It just slowly makes yesterday’s dollars do less work.

What are you assuming?

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

Retirement gets weirdly chaotic when people treat the boring stuff like optional homework.The unglamorous habits matter ...
09/10/2026

Retirement gets weirdly chaotic when people treat the boring stuff like optional homework.

The unglamorous habits matter more than most people want to admit. Cleaning up old accounts, checking beneficiaries, mapping tax buckets, and stress-testing your income plan can save you from a lot of future nonsense.

That’s the part nobody puts on a retirement vision board. But future-you will absolutely care.

Save this

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

Most retirement clutter doesn’t look expensive at first.It’s the old 401(k) you forgot about. The beneficiary form you n...
09/09/2026

Most retirement clutter doesn’t look expensive at first.

It’s the old 401(k) you forgot about. The beneficiary form you never checked. The cash flow guess you made three years ago and never revisited.

Then retirement gets close, and suddenly the junk drawer starts charging interest.

A quick review now can save you from a very awkward surprise later.

Schedule a Retirement Strategy Call

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

09/04/2026

Most retirement plans look busy right up until you ask who’s coordinating the whole thing.

One account says one thing. The tax plan says another. Social Security, Medicare, and estate docs are all doing their own little solo act.

That’s how smart people end up with a pile of good decisions that don’t actually work together.

If your plan feels like a junk drawer, it probably needs coordination, not more products.

Schedule a Retirement Strategy Call

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

You can save well and still be nowhere near ready to retire.That gap usually shows up when the questions get real. Where...
09/03/2026

You can save well and still be nowhere near ready to retire.

That gap usually shows up when the questions get real. Where’s your income coming from? What happens with taxes, Medicare, Social Security, and cash flow once the paycheck stops?

Saving is one job. Retirement readiness is the whole plan.

If you want, send a message and let’s talk through the moving parts.

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

Retirement gets crowded fast. The tax moves that are easiest to make are the ones you make before everyone else wakes up...
09/02/2026

Retirement gets crowded fast. The tax moves that are easiest to make are the ones you make before everyone else wakes up to the same problem.

That’s why this window matters. Earlier planning gives you more options, less scrambling, and fewer surprise conversations with your CPA in April.

If you’re within 20 years of retirement, this is the part where a little organization now can save you from a very annoying future-you situation.

Schedule a Retirement Strategy Call

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

Your portfolio can look busy and still do almost nothing for your retirement plan.That’s the trap. A pile of funds, old ...
08/31/2026

Your portfolio can look busy and still do almost nothing for your retirement plan.

That’s the trap. A pile of funds, old 401(k)s, and random account pieces can feel productive while quietly missing the point.

The real check is simple: does it support the life you want, or is it just sitting there looking polished?

Know your numbers, understand your assets.

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

Most people think pre-retirement tax planning is about squeezing out a few extra deductions.It’s really about cleaning u...
08/28/2026

Most people think pre-retirement tax planning is about squeezing out a few extra deductions.

It’s really about cleaning up the mess while you still have options.

That’s the sweet spot. Lower pressure, more flexibility, and a better shot at avoiding ugly surprises later.

If you’ve got old 401(k)s, IRAs, stock comp, or taxable investments, this is the decade to get intentional.

Plan ahead now.

Book a Mid-Year Financial Checkup https://stgeorgewealth.com

Taxes, income, Social Security, and Medicare all start talking at once near retirement.That’s why plain-English planning...
08/20/2026

Taxes, income, Social Security, and Medicare all start talking at once near retirement.

That’s why plain-English planning matters. You don’t need a pile of jargon. You need a clear order of decisions, so the whole thing stops feeling like a financial junk drawer.

The goal is simple: understand your options early, connect them to your real life, and make smarter moves before the calendar gets bossy.

Tune in

Download the Retirement Playbook Guide https://stgeorgewealth.com

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