Roth Street Financial

in your 40s and 50s—this one’s for you. Median savings hit $8,700 in the 45–54 group, but couples with kids often lag behind child-free couples ($16k median).

New data just dropped—worth a read. Check it out and then give me a call. Its time to create a financial plan designed to build your savings and set you up for the future.

https://www.investopedia.com/how-much-money-do-americans-really-have-in-the-bank-a-look-at-median-balances-by-age-family-and-education-11959713

Quick question for my favorite : Would you take a 30% pay cut for the rest of your life just to start Social Security early?

Yet that’s exactly what 1 in 4 new retirees did in 2024.
Here’s the latest data + why the trend is actually improving:
https://www.investopedia.com/how-many-people-take-social-security-at-age-62-11961655

Also, remember you can always call us here at Roth Street Financial. Let's set a smart retirement date together, while we create a solid retirement plan for your future.

Secure your retirement with personalized Midwest expertise and confidence.

For over 20 years, Joe Onopa and Roth Street Financial have helped Wisconsin families and Midwesterners build tax-smart, income-focused retirements.

With offices in Middleton and Brookfield, WI, this boutique firm truly understands how Midwesterners save, spend, and plan — delivering strategies that fit your life, not a cookie-cutter template.

Through a proven process of discovery, analysis, and recommendations, they create your custom Roth Street Financial Blueprint covering retirement income planning, tax-free growth, and comprehensive wealth management.

Ready for clarity and peace of mind in your financial future?

Visit www.rothstreetfinancial.com today and Schedule Your Meeting!

Empowering Wealth & Navigating Futures.

Hard truth: 43% of Americans aged 55–64 have zero retirement accounts. Median balance for the rest? Just $185,000.

That’s not a scare tactic—that’s the data.

At Roth Street Financial, I see this gap every day. The
reasons are real: (no consistent 401(k), life events,
market timing fears), but the window to fix it is closing.

Full article from Investopedia:
https://www.investopedia.com/many-americans-in-their-late-50s-and-early-60s-arent-ready-for-retirement-heres-why-11947130

, if you’re in this age bracket and want an honest opinion on your numbers, let's talk. Your financial future is worth a conversation.

Many Americans in Their Late 50s and Early 60s Aren’t Ready for Retirement—Here’s Why Americans nearing retirement may not be as prepared as you think. New data shows how many have savings—and how many don’t.

Important update for retirement planning:
President Trump has signed an executive order establishing TrumpIRA.gov, a government-supported online marketplace designed to provide accessible, low-fee Individual Retirement Accounts to the more than 56 million Americans currently without employer-sponsored retirement plans.

Effective January 1, 2027, eligible workers will have access to vetted private-sector options along with potential Saver’s Match contributions of up to $1,000.
As your financial advisor, I am evaluating how this new program may complement existing strategies for clients without workplace plans. I invite you to reach out for a personalized review. Let's talk about your financial future.

Details here: https://www.investopedia.com/trump-signs-executive-order-for-iras-for-workers-without-retirement-account-access-update-11962163

Our Services:

Retirement Income Planning
Despite abundant retirement resources, planning is harder than ever due to inflation and economic shifts. Retirement income planning helps maintain your pre-retirement lifestyle by drawing income from multiple sources such as Social Security, rentals, stocks, or part-time work. At Roth Street Financial, Joe Onopa helps Midwest clients explore options comfortably, providing realistic insights into potential gains and risks.

Tax-Free Retirement
A tax-free retirement may seem unrealistic with taxes in nearly every transaction, but smart planning with tax codes can make a big difference. At Roth Street Financial, Joe Onopa guides Midwest clients toward more efficient strategies. He helps structure portfolios—whether in stocks, real estate, or other assets.

Wealth Management
Wealth is often built gradually, yet it can quickly become difficult to manage on your own. Wealth management strategies help oversee trust planning, taxes, and assets comprehensively. At Roth Street Financial, Joe Onopa assists Midwest clients in Middleton with personalized advice to better control their financial future and protect their family’s legacy.

Efficient Tax Planning
Efficient tax management requires a detailed look at your assets, income, and holdings to keep more of what you earn. A financial advisor structures your taxes holistically, considering your full financial picture. At Roth Street Financial, Joe Onopa helps clients optimize tax strategies and reduce risks through in-depth knowledge of local, state, and federal regulations.

Assets Under Management
Every asset class plays by its own constantly changing rules. Assets under management involves the professional selection, structuring, and maintenance of your portfolio.

Investment Management
Investment management goes beyond simply watching the markets. A financial advisor learns your style and helps clear clutter so you can see your portfolio more clearly.

Let's put a plan together for your financial future. Call (608) 977-4114 today.