| | Financial and Retirement Planning for Southwest Michigan | | |
Welcome to our news!
In each edition of our newsletter, we'll share some tips, some educational content, a team bio, and links to our free Retirement 101 Courses coming to Kalamazoo and Albion. You can reach us at any of the buttons above and we hope you find this content helpful!
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A Roth conversion could be one of the most powerful tax moves you make, but timing is everything. Trying to navigate potential future tax hikes and your long-term income goals can be complex. Watch our latest video where we break down the current landscape and help you determine if now is the optimal time for a Roth conversion in your specific financial plan.
And, don't forget to secure your spot in our complimentary, in-depth financial review! Join our Free Retirement 101 Class this November or December to get a clearer picture of your whole financial future. Call to sign up (269) 323-7964.
Watch the full Roth Conversion analysis here.
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Turning 65 soon? Or maybe you're leaving a group health plan?
The rules for Medicare enrollment can be a minefield of deadlines and potential penalties. Missing your enrollment window could lead to coverage gaps and higher premiums for life.
Stop guessing! Our new video clarifies the critical timelines—Initial Enrollment Period, Special Enrollment Period, and more—so you can sign up with confidence.
For a comprehensive overview of how health costs fit into your retirement future, register today for our Free Retirement 101 Class on November 11 (Kalamazoo) or December 4 (Albion) at 6 p.m. Call to sign up (269) 323-7964.
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Do You Pay Income Taxes in Retirement?
Navigating Tax Rules in Retirement: Your Strategic Financial Plan
Yes, it’s almost certain!
Your 401(k), annuity withdrawals, and even your Social Security benefits could all be taxable. Don't leave your biggest retirement expense up to chance!
As a retiree, your income will likely come from a variety of sources, each with its own tax implications. Understanding these rules is the first step toward minimizing your tax burden.
Learn the simple, powerful strategies (like the Roth IRA hack) that help you build a tax-efficient retirement roadmap and keep more of your hard-earned money.
Read our guide to get started or give Chuck a call at (269) 323-7964.
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Stacey Pennock, Operations Manager
Stacey joined Southwest Michigan Financial, LLC in September 2014, bringing extensive experience from the financial services industry.
Before joining the firm, she worked for Modern Woodmen of America, servicing and selling insurance, and spent over eight years in the financial services department at PNC Bank. Stacey holds her Life, Health, and Accident license in Michigan and is a Notary Public.
Stacey's core passion is helping people, and she firmly states, "I am not a risk taker, and I don't like putting my client's money at risk either!" A lifelong resident of Augusta and a Gull Lake High School graduate. She enjoys country life, animals, and cheering for her favorite teams, Michigan State University and the Dallas Cowboys.
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Retirement 101 is a hands-on, in-depth class looking into the many nuances of retirement financial planning.
We don’t waste your time reviewing basic principles, we focus our time on identifying and solving the important problem areas you need to understand to build a successful retirement plan. We review practical examples and allow you the opportunity to ask specific questions.
Upcoming Retirement 101 Classes:
- Tuesday, November 11, 6 p.m.: Kalamazoo Valley Community College, Groves Campus, 7107 Elm Valley Dr., Kalamazoo, MI
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Tuesday, December 4, 6 p.m.: Albion College, Norris Hall, 900 W Michigan Ave, Albion, MI, 49224
| | | | Thank You Veterans and Active Duty | |
On Veterans Day, we pause to honor the brave men and women who have given our nation the ultimate gift: the peace of mind to pursue our own futures, free and secure.
To every veteran, you built the roadmap that protects our freedom, often facing volatility so we never have to. Thank you for your service, your sacrifice, and the enduring confidence your commitment brings to our daily lives. We are eternally grateful. Happy Veterans Day.
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Our Company
Charles R. Henrich offers investment advisor services through Southwest Michigan Wealth Management, LLC, a Registered Investment Advisor in the state of Michigan. Insurance products and services are offered through Southwest Michigan Financial, LLC. The aforementioned are affiliated companies. Southwest Michigan Wealth Management, LLC and its advisors do not render tax, legal, or accounting advice. Southwest Michigan Wealth Management, LLC and Southwest Michigan Financial, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.
This email is being sent on behalf of an Investment Advisor Representative. It is intended exclusively for the individual or entity to which it is addressed. This communication may contain information that is proprietary, privileged, or confidential, or otherwise legally exempt from disclosure. If you are not the name addressee, you are not authorized to read, print, retain, copy, or disseminate this email or any part of it. If you have received this email in error, please notify the sender immediately by email or fax, and destroy all copies of this communication.
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Kalamazoo Office
Southwest Michigan Financial, LLC
4341 S Westnedge Ave, Ste. 1201
Kalamazoo, MI 49008
Phone: (269) 323-7964
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Marshall Office
Southwest Michigan Financial, LLC
830 W Michigan Ave
Marshall, MI 49068
Phone: (269) 323-7964
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