Adrian Baldeon - Genesis Wealth Advisors

06/18/2026

When was the last time you rebalanced your 401k?

When was the last time you rebalanced your 401k?

Over time, market movement can shift your investment mix away from your original plan. That means your 401k may no longer reflect your risk tolerance, retirement timeline, or long-term goals.

Rebalancing helps bring your portfolio back in line with your intended strategy. It can also create a natural opportunity to review your contributions, asset allocation, and overall retirement plan.

A few questions to consider:

• When did you last review your 401k investments?

• Does your current mix still match your retirement timeline?

• Are you contributing enough to stay on track toward your goals?

• Do you understand how your 401k fits into your broader financial plan?

At Genesis Wealth Advisors, we help clients look at retirement accounts as part of the bigger picture, not in isolation.

Ready to review your retirement strategy? Start a conversation with Genesis Wealth Advisors today.

📞 781-344-1023
✉️ [email protected]
🌐 genesisadvisors.com

06/11/2026

Do all of the pieces fit in your retirement plan?

Do all of the pieces fit in your retirement plan?

A strong retirement plan is more than a savings account or an investment portfolio. It is a coordinated strategy that connects different parts of your financial life.

Your income needs, Social Security, 401k, IRA, taxes, health care, long-term care, estate planning, and personal goals should all work together with purpose.

When one piece is missing or out of place, it can affect the bigger picture.

At Genesis Wealth Advisors, we help clients look at retirement planning comprehensively, so each decision supports the life they want to build and protect.

A few questions to consider:
• Are your retirement income sources coordinated?

• Have you reviewed your tax strategy for retirement?

• Does your investment plan reflect your timeline and risk comfort?

• Have you thought through health care, long-term care, and legacy planning?

📞 Ready to see how the pieces of your retirement plan fit together?

Start a conversation with Genesis Wealth Advisors today.
781-344-1023
✉️ [email protected]
🌐 www.genesisadvisors.com

10/30/2024

🔄 Switching Jobs? Don’t Leave Money on the Table . . .

Employee benefits can make up 30-40% of your total compensation, but many people overlook the details during a job change.

This guide breaks down the must-know steps to review and maximize your old and new benefits—from health insurance options and retirement accounts to PTO cash-outs.

Taking the time now can protect your finances and ensure you’re getting every dollar’s worth out of your new role!

Swipe through for tips to start your next chapter with confidence.

09/06/2024

Fed's Powell says 'time has come' for interest rate cuts 📉 . . .

The last 3 rate cuts coincided with major market crashes.

Now is a good time to review your investment portfolios and understand how a recession could impact your long-term financial plan.

History doesn’t repeat itself, but it often rhymes.



*Past performance is not a guarantee of future results.

07/26/2024

Today’s “Heroes” can be tomorrow’s “Zeros” . . . or worse

Why Diversification Matters ⤵

Winners rotate and asset classes go in and out of favor.

This ‘Investment Quilt’ ranks 9 asset classes in order of performance for each year over the past 20.

Take a moment to explore this eye-opening graphic.

Notice how the top-performing asset classes shift from year to year?

This unpredictable nature underscores why a diversified portfolio is your best ally in achieving steady, long-term growth.

Diversification is how savvy investors can minimize risk and maximize returns.

Study 2008.

*Past performance is not a guarantee of future results

07/19/2024

HSAs are the most underutilized tool in personal finance.

After building hundreds of financial plans, I’ve noticed that Health Savings Accounts (HSAs) are very commonly overlooked vehicles that can provide unparalleled growth.

👉 Why Invest in an HSA (Health Savings Account)?

Contributions: Tax-deductible
Growth: Tax-free
Withdrawals: Tax-free for qualified medical expenses

With medical expenses in retirement projected to be around $315,000 for the average couple, ensuring you're prepared is essential.

HSAs can cover current medical costs and can also serve as a long-term investment tool.

Check out the post below to learn more.

06/27/2024

Let’s Debate! Red or Blue?

Actually . . . let’s not. Historically both have made Green.

Nearly a century of returns shows the trend has been upward across administrations from both parties.

Markets tend to reward long-term investors who fade the media noise, remain disciplined, and have a plan.



Credit: Dimensional for the chart.
*Past performance is not a guarantee of future results

03/19/2024

Are most of your retirement savings in pre-tax 401ks or Traditional IRAs?

Paying taxes now could help you save later.

Roth conversions can lower or even eliminate your RMDs and overall tax bill in retirement.

Recognize any potential gap years of lower income?

The handful of years between retirement and when you elect Social Security and RMDs begin can present a window to execute conversions and optimize your taxable distributions.

Transferring traditional funds and filling up to the lower tax brackets can be game changers for tax-free growth and strategic estate planning.

How much can you benefit from conversions?

The potential benefits can be immense for you and your heirs, especially when considering multi-generational planning.

Ask your financial planner to annually analyze your personal strategy and if it makes sense - coordinate ex*****on with your tax advisor.

Below are 6 Factors for you to weigh when considering Roth Conversions.

02/19/2024

My “why”.

Jen and I are excited to welcome another baby boy into the mix in a few short months!

Our first son, "AT", inspired us to take care of important tasks which we'd been putting off.

For us, it was things like our estate plan, increasing life insurance, and the hardest of all - adjusting our spending.

Checking off these boxes gave us an added sense of security and peace of mind.

In case you missed it. Check out my last post for the framework we used to financially prepare for our new additions to the family.

Remember, you don't have to go at it alone. Please reach out if you could use some additional guidance.

02/15/2024

Expecting a little one? Strategize your financial future with precision for your expanding family.

Use these talking points to help guide important conversations with your significant other.

Feel free to share with family, friends, and loved ones who are planning for their growing family's future and empower them to build a solid financial foundation.