Financial planning blog

Timely and free financial planning advice

March 2, 2026

Social Security Benefit Options: What to Consider Before You File Your Taxes

Is Social Security taxable? Tax season tends to focus our attention on what just happened—last year’s income, deductions, and filings. But some of the most important decisions you can make right now aren’t about the past. They’re about how your future income will be structured. Social Security is one of the few income streams in...

March 2, 2026

What you need to know to maximize your tax deductible IRA in 2026

What are the IRA contribution limits for 2026? In 2026, your individual retirement account can be a valuable tax shelter if you know the rules. On our website, we offer this quick guide to help you get the latest and most pertinent information to help you control your tax bill and also take control of...

March 2, 2026

How to stay ahead of inflation in retirement

Inflation is making the headlines. In retirement, inflation is particularly perfidious. If you are in retirement, inflation can eat away at your quality of life. For working people, at least there is hope that future income increases will keep pace with the cost of living. But for retirees, they don’t have a salary. How do...

February 1, 2026

Top 401K Strategies for 2026: Maximize Your Contributions & Growth – owning your own company stock in a 401K

Investing in your 401k can be the best way to assure you are able to quit working and retire someday. Many people have questions about how much to contribute and where to invest. In this blog, we describe a common situation and answer some of the most common questions. Should I save for retirement...

December 8, 2025

The Power of Giving: How Charitable Donations Can Grow Your Wealth Through Tax Savings

“How can charitable giving reduce my taxes in Colorado?” Charitable giving is one of the most meaningful ways to align your wealth with your values. But beyond supporting the causes you care about, strategic giving can also offer powerful advantages for tax efficiency, long-term wealth planning, and legacy building. At A&I Wealth Management, we...

November 22, 2025

We Are Most Grateful

A Season of Gratitude from A&I Wealth Management of Colorado As Thanksgiving approaches, our team at A&I Wealth Management is reflecting on what matters most—the people we have the privilege to serve. Each year, this season reminds us that true wealth isn’t measured only in numbers, but in the connections, trust, and shared journeys that...

November 9, 2025

Life Insurance: Your Most Overlooked Financial Power Tool

Here’s why it might be a smart wealth strategy you’re not using, and how to find out if it fits your plan. Why do I need life insurance now? When most people think about life insurance, they think of death. They think of expenses. And they often shrug it off as something they’ll deal...

September 21, 2025

How to Emotionally Prepare for Selling Your Business

After years of building your business, are you ready to let go—mentally, emotionally, and financially? If you’re a business owner considering an exit, this guide helps you align your values, emotions, and financial goals as you transition to the next chapter. Preparing for the Emotions of Selling Your Business Selling your business is one of...

September 7, 2025

7 Market Panics in 25 Years: What History Teaches Us About Resilience

Have you ever wondered, “How often do stock market crashes happen, and what should I do when they do?” That’s a question many investors are asking, especially after the 2025 market panic. We’ve now seen seven major market panics in just 25 years, slightly above the historical average of one bear market every four to...