One Bridge Wealth Management

Thinking of volunteering in retirement? Some considerations.

Volunteering in Retirement For many, retirement includes contributing their time and talents to an organization in need.

Many parents assume their IRA should go directly to their children. Sometimes that is right, but the SECURE Act, 10-year rule, income taxes, and beneficiary designations can make the decision more complicated than it looks.

Should You Leave Your IRA to Your Children? Leaving an IRA to children can create a large tax burden under inherited IRA rules. Here is how Roth conversions, beneficiary planning, charitable giving, and trusts may change the answer.

The tax strategies that matter most for wealthy families are often quiet and structural. Here is what affluent investors tend to understand about after-tax returns, asset location, Roth assets, charitable planning, and capital gain manageme

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Some retirees are surprised to learn that Medicare premiums are based on taxable income from two years earlier. Here is why IRMAA catches affluent families off guard — and how tax-aware planning can help reduce avoidable premium surprises.

Why Some Retirees Pay More for Medicare Than Necessary Medicare premiums can rise sharply when retirement income crosses IRMAA thresholds. Here is how affluent retirees can plan around Roth conversions, RMDs, capital gains, and income timing.

The years before retirement are not just about picking a retirement date. They are when affluent families should coordinate income, taxes, Social Security, healthcare, investment risk, and estate planning before the window narrows.

The Financial Decisions That Matter Most in the Five Years Before Retirement The five years before retirement are when Social Security, Roth conversions, pension choices, healthcare, taxes, and portfolio structure start to connect. Here is what to prioritize.

If your kids are starting a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. For more information or to set up a meeting, drop us a note today!

We can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.

Great wine and great wealth have something in common—they both reward patience. 🍷

Behind every perfect vintage is time, care, and consistency. The same goes for your financial strategy. The goal isn't quick wins or a perfect growing season, but something that matures over time.

Let's raise a glass to long summer nights with friends, trusted bottles full of years of promise, and a life worth savoring.

Salut! 🥂

QUARTER ENDING JUNE 30, 2026
Market Navigator

Against a backdrop of easing geopolitical risks and strong earnings growth, markets rallied strongly across the board. The S&P 500 and Nasdaq turned in their strongest quarters since the second quarter of 2020. Throughout the quarter, the U.S. and Iran moved slowly toward the signing of a Memorandum of Understanding (MOU) to potentially end the war in the Middle East. As a result, the benchmark U.S. crude price declined more than 30 percent.

Quick Hits
1. Beyond the Headlines: Market Rally Gains Liftoff
2. Fixed Income Update: Bond Investors Relieved by Progress in the Middle East
3. Geopolitical and Economic Update: Reopening the Strait of Hormuz Becomes the Key
4. Looking Ahead: Crosscurrents Worth Monitoring

Read It Here: https://tinyurl.com/556rs4he

Bear market preparation isn't about predicting the next downturn. It's about building the structures that mean you don't have to make important financial decisions under duress when it arrives.

How Affluent Families Prepare for the Next Bear Market The next bear market will come. Here's how affluent families with significant portfolios prepare — from liquidity structure to tax-loss harvesting to the investment policy conversation nobody is having.

🎆 Happy Independence Day! 🎇

Our office will be closed Friday, July 3rd and reopen Monday, July 6th.

Today, we celebrate the land of the free and the home of the brave! On this day in 1776, our nation declared independence, paving the way for freedom, opportunity, and the American spirit we cherish today. 🎉🗽

As we enjoy fireworks, BBQs, and time with loved ones, let’s remember the courage and sacrifice that built this great nation. 🍔🌭

Happy Birthday, America! 🎂🎈