Zach Bostic

Zach Bostic Please visit https://www.ameriprise.com/social for important rules and disclosures about how you and I can interact on social media.

Financial Advisor, CERTIFIED FINANCIAL PLANNER™ professional at Bugay, Watson & Associates, A private wealth advisory practice of Ameriprise Financial Services, LLC | Investment Management and Tax Planning Strategies

08/10/2026

The biggest retirement risk may not be market volatility.

It could be:

Overspending in early retirement
Unexpected healthcare costs
Inflation
Taxes
Living longer than expected

A successful retirement requires planning for risks beyond the stock market.

08/07/2026

Social Security may be one of the largest financial decisions you'll make.

Many people claim benefits based on:

What friends did

Something they read online

Their initial instinct

The timing of Social Security can impact lifetime retirement income significantly.

It's worth evaluating how the decision fits into your broader financial plan.

08/05/2026

The retirees with the most confidence aren't necessarily the ones with the most money.

What they typically have:

✅ A written retirement plan

✅ A realistic spending strategy

✅ Emergency reserves

✅ Tax awareness

✅ Flexibility

Confidence comes from preparation, not prediction.

08/03/2026

The first five years of retirement may be some of the most important.

Early retirement spending decisions, market performance, and withdrawal strategies can have lasting effects.

Preparing for retirement isn't just about reaching the finish line.

It's about beginning retirement with a sound plan.

07/13/2026

📈 Trump Accounts

One of the newest savings and wealth-building tools available for children is the Trump Account, a tax-advantaged investment account designed to help the next generation get an early start on investing.

Children under age 18 are eligible to have an account established on their behalf, and children born between January 1, 2025, and December 31, 2028 may qualify for a one-time $1,000 government contribution.

A few key features:

✅ Up to $5,000 per year can be contributed by parents, grandparents, employers, and others.

✅ Funds are invested in low-cost U.S. stock index funds and grow on a tax-deferred basis.

✅ The account is designed for long-term growth and generally converts to a traditional IRA structure once the child reaches adulthood.

✅ Unlike a custodial Roth IRA, earned income is not required for contributions.

Planning Opportunity:

At age 18, when the account transitions to traditional IRA treatment, evaluating a Roth conversion could create a valuable tax-planning opportunity due to the child's likely lower taxable income.

06/30/2026

There's been recent legislation presented that could increase or do away with the wage base for Social Security

Right now, you pay in 12.4% of your income (up to $190,000) to Social Security (half paid by your employer if you are an employee)

This could increase the $190,000 cap or do away with the cap all together

For business owners, this would make S Corps even more popular

Why?

S Corp Owners have the ability to split their income into salary and distributions

Only the salary portion is subject to Social Security tax

Distributions are generally not subject to those taxes

06/26/2026

Turning Your Portfolio Into a Reliable Income Stream

Shifting from saving to generating income is one of the most important financial transitions.

It’s not just about withdrawals—it’s about strategy:

• Diversify income sources

• Focus on sustainable withdrawal rates

• Be tax-efficient

• Keep growth in the portfolio

• Plan for market volatility

Done right, your portfolio can provide consistent income and long-term security.

If you’re thinking about this transition, happy to connect.

06/24/2026

You retire with $1,000,000.

Year 1:

Market drops 25%

Withdrew $50,000 for living expenses

Balance: $700,000

What's your plan when the market doesn't care?

06/22/2026

Are your investments in the right accounts… or just the right mix?

Most investors focus on asset allocation (stocks vs. bonds vs. cash)… but often overlook asset location—which can have a meaningful impact on after-tax returns.

Asset location = placing the right investments in the right accounts

Here’s a simple framework I often share with clients:

🔹 Tax-deferred accounts (Traditional IRA / 401(k))

Best for:

Bonds / fixed income

REITs

Actively managed funds

Why? These tend to generate ordinary income, which is shielded from current taxes inside these accounts.

🔹 Tax-free accounts (Roth IRA / Roth 401(k))

Best for:

Growth-oriented investments

Small cap / high expected return assets

Why? All future qualified growth is tax-free, making this prime real estate for your highest potential investments.

🔹 Taxable brokerage accounts

Best for:

Tax-efficient ETFs & index funds

Municipal bonds

Investments you plan to hold long-term

Why? These benefit from lower capital gains rates, tax-loss harvesting opportunities, and step-up in basis at death.

Why this matters: Two investors with the same portfolio can end up with very different outcomes depending on where those assets are held.

Asset location won’t replace a sound strategy—but it can enhance after-tax returns without increasing risk.

06/05/2026

How New Tax Rules Could Affect Your Retirement Plan

Tax changes aren’t always headline-grabbing—but in many cases, they create very real planning opportunities for retirees and pre-retirees.

Here are several recent updates—and how they could show up in real life:

• RMD age increased to 73 (moving to 75)

The Secure 2.0 Act raised the required minimum distribution (RMD) age to 73, with a future increase to 75 scheduled for 2033. That window can be used for partial Roth conversions to reduce future RMDs and avoid being pushed into higher tax brackets later.

• “Super catch-up” contributions (ages 60–63)

Individuals between the age of 60 and 63, can save an additional $11,250 in workplace retirement plans—accelerating savings right before retirement.

• Catch-up contributions shifting to Roth for high earners

Starting in 2026, individuals earning more than $145,000 in prior-year wages must make catch-up contributions on a Roth (after-tax) basis.

• 529-to-Roth IRA transfers

Unused 529 funds can now be rolled into a Roth IRA, up to a lifetime limit of $35,000. Traditional Roth IRA annual contribution limits still apply.

The bottom line:

It’s not just what you’ve saved—it’s how and when you draw from it under today’s rules that makes the biggest difference.

Most of these strategies don’t require drastic changes—just intentional planning and timing.

If you haven’t reviewed your plan recently, it may be worth a second look.

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803 Roper Creek Drive
Taylors, SC
29615

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