by Chad Gammon | Jan 3, 2026 | Investments, Personal Finance, Retirement Planning
The start of a new year has a way of making us pause. We naturally reflect on where we have been, what worked, what did not, and what we hope the next chapter will bring. Financially, the New Year is not about perfection or drastic change. It is about clarity,...
by Chad Gammon | Nov 29, 2025 | Retirement Planning, Tax Strategy
If you are in a lower tax year than usual, a Roth conversion can be a smart way to move money from a traditional IRA into a Roth IRA and lock in today’s tax rate. Think of it as paying tax on your terms now so that future withdrawals can be tax free if you follow the...
by Chad Gammon | Nov 16, 2025 | Retirement Planning
If you are an Iowa teacher in your 50s or 60s, IPERS is likely the backbone of your retirement plan. It is designed to provide a steady monthly check, but knowing how the benefit is calculated, and how it fits with Social Security and your savings, can feel unclear....
by Chad Gammon | Nov 3, 2025 | College Savings, Investments, Personal Finance
Saving for education can feel like a big challenge, whether you are planning for your child’s college, a grandchild’s future, or even your own continuing education. One of the most effective tools available to Iowans is the Iowa 529 College Savings Plan, also known as...
by Chad Gammon | Oct 22, 2025 | Personal Finance
Have you ever wondered if your financial advisor truly works for you or for the products they sell? The way financial professionals are compensated can make a big difference in the advice you receive. Many advisors earn commissions from investment or insurance...
