M&M Wealth Advisory

For decades, you’ve been rewarded for saving and investing.

Your identity, routine, and sense of security were all tied to building wealth and earning income.

Suddenly, you hit retirement, and the rules are all scrambled.

You are told to start drawing down from the pile you spent decades building.

Even if your financial plan says you are perfectly fine, writing that first check from your portfolio can feel physically painful.

Retirement is both a mathematical and emotional transition.

On June 24th, I am sitting down again with Ron Taraborrelli for a live conversation called Guarding the Gold. We’re going to discuss wealth, health, and what retirement really looks life for folks just like you.

We'll share real life examples from our decades of experience with clients, and answer your most pressing questions to help you get to and through your golden years.

If you are retiring this year or next, I’d love for you to join us.

Register Here:
https://zoom.us/webinar/register/WN_zHq_62HMRNqwEEZWHvWNFw



Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities. This information is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation.

I'm thrilled to have sat down last month with Jan Brito and Mike Schumacher to have a candid conversation about how real estate decisions and strategies change as we age.

As we approach our 60s (and even our 50s!) we often find ourselves caught in the middle.

You're trying to figure out your own transition into retirement, but you're also balancing the care of an
aging parent, or trying to help your adult kids get better situated and build their families.

Other times, life just throws you for a loop with an unexpected transition like a divorce or the sudden
loss of a spouse.

When you're navigating these moments, making a rushed real estate decision can completely
change the trajectory of the wealth you’ve spent decades building.

Your home is so much more than a house, and you shouldn't make a move without a team in your corner.

What a wonderful conversation. I can't believe how fast the hour flew by!

Thank you, Jan and Mike, for your energy and fantastic advice.

If you are thinking about a real estate transition soon, even if its sometime down the line, this
conversation is definitely for you.

Head to the comment section to find the replay link!



Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities. This information is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation.

Tomorrow is the day. ⏰

If you've been meaning to register for our free webinar this is your reminder that there's still time.

The Next Move: Navigating Real Estate in times of Transition is a live panel conversation happening tomorrow, Wednesday, May 27 at 12PM EST.

We designed this event for people who are thoughtful about their finances and want straightforward, honest answers to the housing questions that come up during life's biggest transitions. No sales pitch. Just real conversation.

📅 Wednesday, May 27 🕐 12PM EST 💻 Free Zoom Webinar

👉 Register here: https://zoom.us/webinar/register/WN_I9KIh2dFSJO6fMONCOrdtQ

We'll see you tomorrow.
🔹 Michelle V. Muhammed, CFP®, CDFA®, ChFC® | M&M Wealth Advisory
🔹 Jan Brito | Compass Real Estate
🔹 Mike Schumacher, NMLS ID 177344 | ACM LLC

One week away. 🗓️

We're bringing together a wealth advisor, a real estate professional, and a lending specialist for one of the most practical conversations we've hosted yet.

Because whether you're approaching retirement, in the middle of a major life transition, or simply thinking ahead your housing decisions and your financial plan don't exist in separate boxes.

They need to work together.

Here's a preview of what our panelists will cover on May 27:
✅ Downsizing strategically timing, finances, and what to consider first
✅ Gifting funds to children for homeownership rules, limits & planning implications
✅ Bridge loans and transitional financing options
✅ Housing decisions through divorce, retirement & loss of a spouse
✅ Coordinating your real estate moves with your broader wealth strategy

Plus live Q&A. Bring your questions.

The Next Move: Navigating Real Estate in times of Transition

📅 Wednesday, May 27 | 🕐 12PM EST | 💻 Zoom Webinar

👉 Register now: https://zoom.us/webinar/register/WN_I9KIh2dFSJO6fMONCOrdtQ

🔹 Michelle V. Muhammed, CFP®, CDFA®, ChFC® | M&M Wealth Advisory
🔹 Jan Brito | Compass Real Estate
🔹 Mike Schumacher, NMLS ID 177344 | ACM LLC

Are you in the middle of one of life's busiest seasons — balancing your own financial future while also supporting the people you love most?

You're not alone.

Many of our clients are navigating questions like:
🏡 Should I downsize and if so, when?
💰 Can I gift money to my child for a down payment without derailing my retirement?
📋 What financing options exist when I'm in between homes?
🔄 How does a major life change affect my housing strategy?

These aren't simple questions. But they deserve real answers.

On May 27, our panel is sitting down to have exactly that conversation openly, practically, and with you in mind.

The Next Move: Navigating Real Estate in times of Transition

📅 Wednesday, May 27 | 🕐 12PM EST | 💻 Free Zoom Webinar

Space is limited save your seat today.

👉 https://zoom.us/webinar/register/WN_I9KIh2dFSJO6fMONCOrdtQ

Your home is likely one of your biggest financial assets. But when life shifts — are you making housing decisions with your full financial picture in mind?

Whether you're thinking about downsizing, helping a child buy their first home, or navigating a transition you didn't plan for — the intersection of housing and finances is rarely straightforward.

That's exactly why we're bringing this panel together.

Join us on Wednesday, May 27 for The Next Move: Navigating Real Estate in times of Transition — a candid conversation with three professionals who help people work through these decisions every day.

🔹 Michelle V. Muhammed, CFP®, CDFA®, ChFC® — M&M Wealth Advisory
🔹 Jan Brito — Compass Real Estate
🔹 Mike Schumacher, NMLS ID 177344 — ACM LLC

📅 May 27 | 🕐 12 EST | 💻 Zoom Webinar

👉 Register here:

https://zoom.us/webinar/register/WN_I9KIh2dFSJO6fMONCOrdtQ

We're on for today at noon. ☑️

If tax strategy has been on your mind — whether you're a high-earning professional, navigating a major financial transition, or planning your next chapter with a partner — today's webinar was built for you.

Ron Taraborrelli, CFP®, ChFC®, CLU® EA and I will spend one focused hour walking through what the 2025 tax law changes may mean for your financial picture — and what questions you may want to bring to your own tax and financial professionals.

📅 Today | Wednesday, April 22nd | 12PM EST | Zoom

We'll cover:
✅ New SALT limits and standard deduction updates
✅ The "bonus" deduction for adults 65 and older
✅ Roth conversion considerations
✅ The 3.8% Medicare surtax on investment income
✅ Gift tax exclusions — the 2026 annual exclusion rises to $19,000
✅ Distribution strategy and charitable giving

Still need to register?

There's still time. 👇
🔗 https://zoom.us/webinar/register/7617750748695/WN_lJJsK5bDT0eAH5c_hJjZlw

See you at noon. — Michelle

This presentation is for informational purposes only and is not a replacement for real-life advice. Please consult your tax, legal, and accounting professionals before modifying your tax strategy.
Investment advice offered through Stratos Wealth Partners, Ltd., and Stratos Wealth Advisors, registered investment advisors. Synergy Wealth Management and Stratos Wealth Advisors are separate entities.
Neither M&M Wealth Advisory, Stratos Wealth Partners, Synergy Wealth Management, nor Stratos Wealth Advisors provides tax or legal advice

Most couples spend years focused on saving for retirement.

Far fewer have a clear strategy for taking money out — and the tax implications that come with it.
Retirement income strategy. Required minimum distributions. Roth conversion timing.

Asset location. The sequence in which you draw from different accounts can have a meaningful impact on how much of your wealth actually stays with your family.

Tomorrow at noon, Ron Taraborrelli, CFP®, ChFC®, CLU® EA and I are hosting our FREE Tax Planning Strategies Webinar — and distribution strategy is one of the topics we're covering in depth.

If you or your partner are within 10 years of retirement, or already there, this is a conversation worth having before year-end planning begins.

📅 Tomorrow — Tuesday, April 22nd | 12PM EST | Free Zoom Webinar

We'll also cover:
🔹 2025 tax law changes that may affect your household
🔹 Roth conversion considerations
🔹 Gift tax exclusions and legacy planning updates
🔹 Charitable giving with appreciated assets
🔹 The Medicare surtax many high earners don't anticipate

Seats are complimentary. One hour. Information you can actually use.

🔗 Register here: https://zoom.us/webinar/register/7617750748695/WN_lJJsK5bDT0eAH5c_hJjZlw

This presentation is for informational purposes only and is not a replacement for real-life advice. Please consult your tax, legal, and accounting professionals before modifying your tax strategy.
Investment advice offered through Stratos Wealth Partners, Ltd., and Stratos Wealth Advisors, registered investment advisors. Synergy Wealth Management and Stratos Wealth Advisors are separate entities.
Neither M&M Wealth Advisory, Stratos Wealth Partners, Synergy Wealth Management, nor Stratos Wealth Advisors provides tax or legal advice.

In my work with clients, retirement planning for women often involves factors that traditional financial conversations don’t fully address.

Longer life expectancy, time spent caregiving, and career interruptions can all influence how retirement savings accumulate over time.

Even relatively short breaks from the workforce can create gaps in income, retirement contributions, and long-term compounding. Over the course of decades, those differences can meaningfully affect financial security later in life.

Women also frequently face the reality of planning for a longer retirement horizon.

Living longer means savings, investment strategy, healthcare planning, and income distribution must all be structured to support more years.

Recognizing these dynamics allows retirement planning to become more intentional — building strategies that reflect longevity, evolving responsibilities, and long-term financial confidence.



Investment advice offered through Stratos Wealth Partners, Ltd., a registered investment advisor. Stratos Wealth Partners and M&M Wealth Advisory are separate entities. This information is not intended as tax or legal advice. Please consult a legal or tax professional for information regarding your individual situation.

There's a 3.8% surtax on investment income that catches many high earners off guard — not because it's hidden, but because no one sat down and walked them through it.

If your modified adjusted gross income exceeds $200,000 as a single filer — or $250,000 filing jointly — your dividends, capital gains, rental income, and other investment earnings may be subject to the Net Investment Income Tax, on top of your regular rate.

For high-earning individuals — particularly those managing their own investments, running a business, or navigating a major financial transition — understanding which taxes apply to which income may open up meaningful planning conversations.

That's exactly what Ron Taraborrelli, CFP®, ChFC®, CLU® EA and I are here to address on April 22nd at noon.

📅 Wednesday, April 22nd | 12PM EST | FREE Zoom Webinar

We'll cover:
✅ The Additional Medicare Tax and the Net Investment Income Tax
✅ New 2025 tax law changes — clearly explained
✅ Roth conversion considerations
✅ Asset location strategy
✅ Gift tax exclusions and legacy planning

You've built real wealth. Having a clear picture of how it may be taxed is part of managing it wisely.

🔗 Reserve your complimentary seat: https://zoom.us/webinar/register/7617750748695/WN_lJJsK5bDT0eAH5c_hJjZlw

This presentation is for informational purposes only and is not a replacement for real-life advice. Please consult your tax, legal, and accounting professionals before modifying your tax strategy.
Investment advice offered through Stratos Wealth Partners, Ltd., and Stratos Wealth Advisors, registered investment advisors. Synergy Wealth Management and Stratos Wealth Advisors are separate entities.
Neither M&M Wealth Advisory, Stratos Wealth Partners, Synergy Wealth Management, nor Stratos Wealth Advisors provides tax or legal advice.