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Milestone Financial Planning, LLC.

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United States
Bedford, NH
Milestone Financial Planning, LLC.

Fee-Only Financial Planning & Investment Management Milestone Financial Planning, LLC. is a registered investment advisor.

Not your typical financial advisor - as we have CPAs on staff, we are able to incorporate expert tax advice into all our client relationships. Virtually all investment and financial planning decisions have a tax impact, and we feel that is a distinction between what we can offer and what other advisors offer. provides investment advisory and related services for clients nationally. will maintain all applicable registration and licenses as required by the various states in which it conducts business. For additional information, please visit our website at https://milestonefinancialplanning.com/

09/18/2026

A major Social Security tax change is on the table.

Senators Bernie Moreno and Elizabeth Warren are proposing to eliminate the cap on Social Security payroll taxes, currently set at $184,500. Without a matching increase in benefits, this move alone could push out the trust fund's solvency timeline to 2058. It would still need backing from both sides to pass the Senate, but it's an important sign that lawmakers are starting to tackle the issue.

This week's Milestone Minute also covers:

• The IRS's paycheck checkup reminder during National Payroll Week

• A new study linking regular stair climbing to a lower risk of heart-related death

• A discount for USI clients on Moen's water shut-off valve

Keeping track of shifts like these can help you make more informed financial decisions.

Read this week's Milestone Minute (link in comments).

09/14/2026

Your digital footprint doesn't just disappear when you do.

From cloud storage to social media, your accounts hold messages, photos, financial details, and personal information that someone will eventually need to manage, whether that means preserving it or shutting it down.

Join Jonathan C. Harrington, CFP®, MSFP, MST for a session on what happens to your accounts when you're gone, and the steps you can take now to make managing your digital legacy easier for your loved ones.

Register Here: https://us06web.zoom.us/webinar/register/5017891339490/WN_q20wR_L2RLO5abbqJeK6CA

09/11/2026

Did you know the order and timing of your retirement withdrawals can affect how much you pay in taxes?

It's not just about how much you've saved, but also how and when you access it. A few thoughtful moves each year can add up to real savings over the course of retirement.

In our latest blog, we cover:

• What actually counts as taxable income in retirement (some sources may surprise you)

• Thresholds tied to Medicare costs, investment income tax, and Social Security taxation

• Ways to spread out income over time, including Roth conversions and tax-loss harvesting

• How planning ahead for required minimum distributions (RMDs) can help manage taxable income later in retirement

• Why where you hold your investments matters just as much as what you invest in

Tax planning is an important part of deciding when and where to take income throughout retirement.

Read the full article (link in comments).

09/04/2026

We've entered another phase in the U.S.-Canada tariff saga.

President Trump imposed 50% tariffs on approximately $20 billion worth of Canadian exports, and Canada announced counter-tariffs on an equivalent amount of U.S. goods, set to take effect September 8.

Canada could add an energy surcharge to electricity exports, which could have a greater impact on the Northeast. Neither country benefits if this standoff continues, and long-term negotiations break down.

This week's Milestone Minute also covers:

• FinCEN's repeal of beneficial ownership reporting requirements for companies formed in the U.S.

• A new virtual discussion group addressing the emotional challenges of shifting from saving to spending in retirement

• Our team's afternoon at Farley White's customer appreciation event

Staying informed about financial, tax, and wellness topics can help you make better decisions for yourself and your family.

Read this week's Milestone Minute (link in comments).

09/03/2026

At the beginning of August, our team had the chance to participate in Gear Up for School, an event hosted by the Hooksett Rotary Club that fills backpacks with school supplies for kids across the community.

Because of events like this, hundreds of students are able to start the school year with the supplies they need.

Thank you to SNHU for hosting and to the Hooksett Rotary Club for putting this together. We can't wait to come back next year!

08/28/2026

There are more uses than you may think for leftover 529 funds.

Whether it's scholarships, a transfer, or a different path altogether, leftover 529 funds are common, and there are ways to put that money to good use without unnecessary taxes.

Our latest blog covers:

• Using the account for your own education

• Naming a new beneficiary, like another child or grandchild

• Covering room and board, tech, K-12 tuition, or trade school costs

• Paying down student loans

• Rolling funds into a Roth IRA or ABLE account

A 529 plan can keep working for your family well past graduation day, as long as you know where to direct it.

Read the full article (link in comments).

08/27/2026

Our team had a wonderful time at the Farley White customer appreciation event last week!

Getting out of the office is always a treat, especially with beautiful weather, great food, fun games, giveaways to be won, and the chance to dunk our own Jon Harrington. The most rewarding piece of the day, however, was knowing that all proceeds from the event went directly to the New Hampshire Food Bank.

We're grateful for companies like Farley White who make it easy to combine connection with community impact, and proud to support an organization that drives change in our community.

08/26/2026

Strong financial planning is often about the details. Overlooked items such as beneficiary designations, tax considerations, and risk exposures can have lasting consequences. A thorough review can help uncover issues before they become costly mistakes.

08/21/2026

Recent IRS updates to contribution rules may change the way you approach 530A accounts.

New proposed regulations address employer contributions to 530A accounts and the use of Section 125 plans for contributions to a dependent’s account. For employers that choose to offer this benefit, the new rules could provide another way for families to contribute to these accounts on a tax-advantaged basis.

This week's Milestone Minute also covers:

• The Saver’s Match, which will replace the Saver’s Credit with a match of up to 50% on eligible retirement contributions beginning in 2027

• U.S. debt tops $40 trillion and what rising debt could mean for Treasury yields

• A recap of our team's recent volunteer work with Gear Up for School, helping local kids start the school year prepared

As always, keeping track of shifts like these can help you make more informed financial decisions.

Read this week's Milestone Minute (link in comments).

08/19/2026

Many retirees focus on how much they withdraw but overlook where those withdrawals come from. Different account types are subject to different tax rules, making withdrawal strategy an important part of retirement planning. Understanding how accounts work together can lead to more informed financial decisions over time.

Address

Bedford, NH

Opening Hours

Monday	8am - 4pm
Tuesday	8am - 4pm
Wednesday	8am - 4pm
Thursday	8am - 4pm
Friday	8am - 4pm

Website

https://milestonefinancialplanning.com/

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