Saxon Financial Group

The World Cup has countries planning years ahead for a tournament that lasts only a few weeks.

Yet many people spend more time planning a vacation than they do planning a retirement that could last 30 years.

Retirement isn't just about reaching a certain age. It's about having a strategy for income, taxes, healthcare, and the legacy you want to leave behind.

The earlier the planning starts, the more options you typically have later.

One question for the soccer fans: Who do you think wins the World Cup?

Most Oil & Gas professionals will make one retirement decision worth six figures, and most have never heard of it.

It's called Net Unrealized Appreciation (NUA), an IRS provision that applies if you hold company stock inside your 401(k).

The default move at retirement is rolling everything into an IRA. Simple, clean... and potentially a huge mistake.

Here's why: roll that company stock into an IRA, and every dollar of growth eventually gets taxed as ordinary income, rates as high as 37%.

Use the NUA strategy instead, and decades of appreciation can be taxed at long-term capital gains rates, potentially 15-20%.

On a large, highly appreciated stock position, that difference can easily reach six figures.

The catch? It's use-it-or-lose-it. Once the rollover happens, the opportunity is gone. Permanently.

And it's just one of several decisions energy professionals face that most general advisors rarely encounter:

→ Pension lump sum vs. annuity elections
→ Concentrated company stock risk
→ Early retirement packages with tight deadlines

If you're within 0-5 years of retirement and your 401(k) holds company stock, it's worth a conversation before you make any irreversible moves.

We're offering complimentary retirement reviews for oil & gas professionals.

Send us a message to grab a spot.

What is Net Unrealized Appreciation (NUA)? - Saxon Financial Group Net Unrealized Appreciation (NUA) is an important concept in financial planning, specifically for individuals who hold company stock within their 401(k)

Many retirees focus on reducing taxes from their RMDs, but one often overlooked strategy is tax loss harvesting.

Strategically realizing losses in a taxable portfolio may help offset capital gains, improve portfolio diversification, and potentially reduce the overall tax drag on retirement income.

For many professionals with company stock, brokerage accounts, and large retirement balances, understanding how these pieces work together can make a meaningful difference over time.

We break down how tax loss harvesting works and where it may fit into a retirement income strategy in our latest article.

Tax Loss Harvesting for Retirees: RMDs & Capital Gains Tax loss harvesting for retirees can offset RMDs, Social Security, and capital gains taxes — plus 2026 thresholds and wash sale rules explained.

Most people assume their 401(k) is limited to the standard list of investment options their employer provides.

For many participants, that isn’t always the case.

A feature called BrokerageLink may provide access to significantly broader investment flexibility, all within your existing 401(k).

For oil & gas professionals especially, this can be a valuable tool for diversification and more intentional retirement positioning.

We broke down what BrokerageLink is, how it works, and why it may matter to your retirement strategy.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/timlucio/15min
🌐: https://www.saxonfinancialgroup.com/

https://www.saxonfinancialgroup.com/what-is-fidelity-brokeragelink/

What Is Fidelity BrokerageLink? Oil & Gas 401(k) Fidelity BrokerageLink opens 10,000+ investments inside your 401(k). Learn how it works, who qualifies, and how oil & gas professionals can use it to diversify.

Markets showed impressive resilience in April, with the S&P 500 posting one of its strongest months in over two decades and small caps leading the charge. At the same time, shifting Fed leadership, rising geopolitical tensions, and energy market disruptions are creating a more complex outlook beneath the surface.

Strong consumer spending, expanding corporate earnings, and continued AI-driven investment are supporting growth—but risks tied to oil prices, inflation pressures, and global conflict remain key variables to watch.

Take a look at our latest Market Commentary for a deeper overview; https://www.saxonfinancialgroup.com/houston-do-we-have-a-problem/

As always, staying informed and proactive is critical in navigating what’s ahead.

If you’d like to discuss how these trends may impact your portfolio or financial plan, we’re here to help. Reach out to our team to learn more.

📞 Phone: 713-425-5340
📅 Schedule a Meeting: https://calendly.com/timlucio/15min
🌐 Website: https://www.saxonfinancialgroup.com/

Market Commentary: Houston, Do We Have a Problem? - Saxon Financial Group Despite continued geopolitical uncertainty U.S. large-cap stocks, represented by the S&P 500 Index, rose 11%, achieving the fourth-best month since

One of the biggest retirement risks isn’t market volatility.

It’s disorganization.

• Multiple old 401(k)s
• Different beneficiaries
• Scattered accounts
• Outdated estate documents
• No withdrawal strategy

We’ve seen people spend decades building wealth but very little time organizing it.

The transition into retirement is often where that becomes noticeable.

Good planning brings structure before important decisions need to be made.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/saxon-financial-group/schedule-a-meeting
🌐 Website: https://www.saxonfinancialgroup.com/the-hidden-retirement-risk-most-people-overlook/

The Hidden Retirement Risk Most People Overlook - Saxon Financial Group By the time retirement approaches, it’s common for people to have:Multiple old 401(k) accountsIRAs held at different custodiansOutdated beneficiary

Many retirees don’t realize one of the best tax-planning windows may come before required minimum distributions begin. The years between ages 65 and 70 can create a rare opportunity to strategically move assets from traditional IRAs or 401(k)s into a Roth IRA, potentially reducing future taxes and increasing long-term flexibility.

Our latest blog, Roth Conversion Strategy 2026: A Five-Year Blueprint for Ages 65-70, breaks down how to approach conversions using 2026 tax brackets, Medicare IRMAA thresholds, and multi-year planning strategies. It also highlights why Texas residents may have an added advantage with no state income tax, and why proper timing matters for professionals with stock compensation or variable income.

The right Roth strategy is not about converting everything at once, it’s about converting intelligently over time. If you’re approaching retirement and want to understand how this could fit into your plan, we’d be glad to connect.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/saxon-financial-group/schedule-a-meeting
🌐 Website: https://www.saxonfinancialgroup.com/roth-conversion-strategy-2026/

Roth Conversion Strategy 2026: A Guide for Ages 65–70 A roth conversion strategy in 2026 can reduce RMDs and Medicare costs. See bracket laddering, IRMAA thresholds, and Texas tax advantages.

Today, members of our team had the opportunity to participate in and volunteer at the 23rd Annual OHH Spring Break Sporting Clays Tournament.

The Oilfield Helping Hands (OHH) organization plays a vital role in supporting oilfield workers and their families during times of financial hardship caused by unforeseen circumstances. By providing a safety net for those facing job loss, health challenges, or natural disasters, OHH makes a meaningful difference in countless lives.

We’re proud to support such an impactful organization and always appreciate the chance to give back alongside others who are committed to helping families in need.

Earth Day is a reminder that the decisions we make today can have a lasting impact on the world we leave behind. While it often highlights environmental awareness, it also speaks to a broader idea of stewardship, caring for the resources we have and planning responsibly for the future.

That same mindset can apply to many areas of life, including financial planning. Just as small actions can create meaningful environmental change over time, thoughtful financial decisions made consistently can help build long-term security and opportunity. Whether it’s reviewing your goals, reducing inefficiencies, planning for future generations, or making intentional investment choices, progress often starts with simple steps taken early.

Earth Day is also about legacy. It encourages us to think beyond today and consider what we are creating for those who come after us. Financial planning can serve a similar purpose by helping families organize assets, protect what they’ve built, and prepare for future needs with confidence.

At Saxon Financial Group, we believe strong planning is rooted in long-term thinking. Earth Day is a great opportunity to reflect on the future you want to build, for yourself, your family, and the generations ahead.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/saxon-financial-group/schedule-a-meeting
🌐 Website: https://www.saxonfinancialgroup.com/earth-day-building-a-stronger-future-through-thoughtful-choices/

Wealth Management & Planning | Saxon Financial Group Expert wealth management and financial planning in Houston. Specialized strategies for oil & gas professionals, retirees, and families. Schedule today.

Markets can feel unpredictable.

But for those nearing retirement, the bigger risk often isn’t volatility, it’s making emotional decisions during it.

Selling too early, delaying planning, holding too much cash, or drawing income inefficiently can create long-term consequences.

A sound retirement plan should be built to navigate changing markets, not depend on perfect conditions.

When income, taxes, investments, and timing are coordinated together, uncertainty becomes easier to manage.

If retirement is on the horizon, now can be a smart time to review whether your plan is built for today’s environment.

📞 Phone: 713-425-5340
📅 Schedule a Consultation: https://calendly.com/d/csts-f2c-p8p/schedule-a-consultation
🌐 Website: https://www.saxonfinancialgroup.com/

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