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At LynnLeigh & Company, we believe financial advice shouldn’t sound like a lecture. This blog is where we turn financial questions into clear, meaningful answers. Each post is created to help you feel confident about decisions that affect your future — from planning for retirement and navigating life transitions to making smarter moves with taxes and investments.
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Our monthly blog is written for real people, not finance experts. Whether you're five years from retirement, newly divorced, saving for a child’s education, or just trying to make sense of market headlines, you’re in the right place. We know life doesn’t come with a manual — but good planning helps. And so does having a guide you trust.
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We don’t write fluff, and we definitely don’t do jargon. We write like we talk — with heart, clarity, and a touch of wit. Our goal? To make financial planning more approachable and less overwhelming. You won’t find generic advice here. You’ll find smart guidance grounded in experience — because we’ve been there, too.
Why Retirement Tax Planning Is About Timing, Not Just Strategy
Retirement tax planning isn’t just about strategy—it’s about timing. Different phases of retirement introduce new tax considerations, from Social Security to required minimum distributions. Understanding how these stages interact can help retirees maintain greater control over their long-term financial plan.
Why $500,000 in an IRA Isn’t Really $500,000
Retirement account statements show impressive balances, but traditional IRAs and 401(k)s have a hidden detail—taxes. Because these accounts are tax-deferred, the amount shown on your statement may not reflect the income you’ll ultimately have available to spend in retirement.
How Tax Planning Supports Retirement Income Flexibility
In retirement, flexibility often matters more than optimization. Tax planning is what creates room to adapt.
Common Retirement Tax Mistakes That Quietly Shorten Income
Some retirement tax mistakes don’t cause immediate problems—but over time, they can significantly reduce income and flexibility.
Why Timing Matters More Than Tactics in Retirement Tax Planning
retirement, it’s rarely the tax strategy that determines success—it’s when decisions are made.
Clarity Comes First
With new rules in place and strong returns behind us, clarity is the first step to good planning. This post highlights the key themes and practical resources in the January Journal to help you prepare for the year ahead.
Diversification Always Matters—Especially After a Strong Year
After a banner year, new rules have changed how planning decisions interact with income and taxes. This post explains why timing matters more now—and how to approach decisions thoughtfully under the OBBBA.
When the Rules Change, Timing Matters More Now
After a banner year, new rules have changed how planning decisions interact with income and taxes. This post explains why timing matters more now—and how to approach decisions thoughtfully under the OBBBA.
A New Kind of Starter Account for the Next Generation
It’s not a 529. It’s more flexible. And it starts with a $1,000 gift from Uncle Sam. Learn how the new starter accounts work—and who should consider funding one.
Tips, Overtime, and Tax-Free Income? Yes—For Now
If you earn tips or overtime, there’s a new tax break you should know about. It won’t last long—and it could make a real difference in your take-home pay.
The SALT Deduction Got a Makeover—Here’s What to Know
The SALT cap is temporarily lifted—but not without strings. If your AGI is under $500,000, this is your moment to get strategic with your deductions.
No, Social Security Still Isn’t Tax-Free
The headlines say Social Security is tax-free. The fine print says otherwise. Here’s how the new deduction works—and how to time your income around it from 2025–2028.