As 2025 draws to a close, several notable tax-law changes are set to take effect in 2026.

In this month’s year-end letter, we highlight key items to keep in mind—whether you’re planning charitable gifts, managing retirement income, or preparing for shifts to deductions, credits, and contribution limits.

We cover Qualified Charitable Distributions, new senior-focused deductions, estate and gifting thresholds, upcoming Roth-only catch-up rules, and more.

Here is a recorded conversation with Jen Tadjedin and Karen Callahan of The Heartwood Collective, based on the webinar that took place on Thursday, November 13, 2025.

Medicare is undergoing some meaningful shifts in 2026, including higher premiums, changes to Medicare Advantage networks, and cost increases for prescription drug plans. 

In this month’s Insights post, we highlight four key updates retirees should be aware of and how they may affect coverage and long-term planning.

A will and estate plan are essential steps in getting your affairs in order — but they don’t capture everything. This month’s article introduces the concept of a “death plan,” a thoughtful way to document your wishes beyond finances.

Don’t let short-term uncertainty push you into long-term mistakes. 

In this month’s letter, Judy Rubino, CFP, explains why it can be very risky to sell because markets feel “too high” or because the political climate is too uncertain. But that’s not the same thing as never selling or doing nothing. Judy explains when it does make sense to make changes, whether for liquidity needs or shifting goals.

Even financially secure retirees often struggle with spending their money. This article explores why so many are hesitant to enjoy what they've saved—and how planning can help break through the psychological barriers to a more fulfilling retirement.

We’re starting the new year with a focus on client service. Specifically, this post will re-introduce all the valued members of the RSMA Wealth Management team, who are here and ready to serve you.

The end of the year is great time for reflection and relaxation, particularly during the holiday season. It’s also a great time to do a little bit of planning. In this piece, we offer four conversation starters for discussing wealth planning concepts with family.

The country’s first state mandated, publicly funded long-term care insurance (LTC) program went into effect last year, in Washington state. Its aim is to address the massive financial burden that long-term care is placing on families, especially those with around-the-clock needs.