Embrace Wealth Management

Embrace Wealth Management We partner with Women in STEM and Retirees who are ready to take control of their financial future. Based in Chico, CA, we serve clients nationwide. Kim N.

Whether planning for retirement or preparing for a stock option windfall, let us handle the complexities so you can focus on what matters most. Embrace Wealth Management empowers Women in Tech and Retirees to grow and protect their wealth while minimizing lifetime taxes. Our services include financial planning, retirement strategies, tax advice, estate planning, investments, and insurance. Huber,

CFP®, is a Registered Representative with securities offered through LPL Financial. Member FINRA/SIPC, www.finra.org www.sipc.org. Investment advice is offered through WCG Wealth Advisors, a Registered Investment Advisor. WCG Wealth Advisors, LLC, and Embrace Wealth Management, LLC are separate entities from LPL Financial. Third-party posts found on this profile do not reflect LPL Financial's views and have not been reviewed by LPL Financial for accuracy or completeness. The financial professionals associated with LPL Financial may discuss and/or transact business only with residents of the states where they are properly registered or licensed. You can't make or accept any offers from any other state resident.

💚 "They treat my investments as if they were their own." That's the trust we work hard to earn every day.Pam, a client s...
08/18/2026

💚 "They treat my investments as if they were their own." That's the trust we work hard to earn every day.

Pam, a client since 2024, shared: "Working with Kim and Ariella has been such a wonderful experience. They're always available to answer my questions and help me prepare for my financial future. I know I can rely on them to guide me toward the right decisions, no matter how chaotic the market becomes." 🙌

Real relationships, real guidance, real results. ✨ Thank you, Pam! 💛

💬 "I feel respected and heard throughout the process." That's what client care should feel like.Noel wasn't sure she nee...
08/11/2026

💬 "I feel respected and heard throughout the process." That's what client care should feel like.

Noel wasn't sure she needed financial planning at 30 until she found an advisor committed to her goals:

"Kim and Ari are exceptional to work with. I feel respected and heard throughout the process. Having Kim and Ari available for guidance gives me a much greater sense of confidence and security as I move forward." 🙏

You don't need it "all figured out" to start planning; you just need the right guide. ✨

Thank you, Noel, for your trust! 💛

💚 What if your financial planner knew what you needed before you even asked? 🤝Lori and George describe our work together...
08/04/2026

💚 What if your financial planner knew what you needed before you even asked? 🤝

Lori and George describe our work together as “advice rooted in care and understanding,” and that means a lot to me. We don’t just look at numbers—we listen for what’s underneath the questions, slow down when life is complicated, and offer level‑headed guidance so you feel understood, not judged.

At Embrace Wealth Management, our goal is for you to walk out of each meeting feeling calmer, clearer, and more confident about your next steps. If that’s the kind of relationship you’ve been looking for with a planner, I’d be happy to connect for a short, no‑pressure convo. 🌱Schedule free intro call: https://go.oncehub.com/intro-phone-call

Thinking about pulling money from your IRA in retirement? The account you choose can affect a lot more than just your ta...
07/30/2026

Thinking about pulling money from your IRA in retirement? The account you choose can affect a lot more than just your tax bill this year; it can also impact your Medicare premiums down the road.

Here's why:

✅ Roth IRA withdrawals (once you're 59½+ and the account's been open 5+ years) are 100% tax-free — federal AND California. They also don't count toward your Modified Adjusted Gross Income (MAGI), so they can't bump you into a higher Medicare IRMAA bracket.

⚠️ Traditional IRA withdrawals are fully taxable. A $20,000 net withdrawal (after ~22% federal + 2% CA withholding) actually adds about $26,316 to your MAGI once grossed up, which can be enough to push you into the next Medicare Part B/D premium tier.

📊 For 2026, that next IRMAA bracket kicks in once MAGI crosses $109,000 (individual filer). (Using current thresholds as an estimate, official 2027 numbers haven't been released yet, so this is directional, not exact.)

The takeaway: retirement withdrawals aren't one-size-fits-all. The right account to pull from depends on your full income picture — RMDs, Social Security COLAs, pension income, and more all factor in.

If you're weighing a big withdrawal and want to make sure it's coming from the right bucket, let's talk. 📞

💚 There’s more to Social Security than “take it now” or “wait till 70.” Let’s find your in‑between. 🧩Social Security is ...
07/28/2026

💚 There’s more to Social Security than “take it now” or “wait till 70.” Let’s find your in‑between. 🧩

Social Security is one piece of a much bigger strategy: pensions, IRA/401(k) withdrawals, taxes, and what you actually want your early retirement years to look like. When I work with clients like Carolyn, we run side‑by‑side projections—coordinating spousal benefits, timing, and other income—to see how different claiming ages affect lifetime benefits and portfolio longevity, not just this year’s check. From there, we choose a path that supports their overall retirement plan instead of following a one‑size‑fits‑all rule of thumb. 🌱

If you’re staring at your statement, wondering which option is “best,” I’d be glad to walk through the trade‑offs with you and build a strategy around your real life, not just the averages.

💡 Roth vs. Traditional IRA: Why WHERE you withdraw from matters just as much as HOW MUCHThinking about pulling money fro...
07/25/2026

💡 Roth vs. Traditional IRA: Why WHERE you withdraw from matters just as much as HOW MUCH

Thinking about pulling money from your IRA in retirement? The account you choose can affect a lot more than just your tax bill this year; it can also impact your Medicare premiums down the road.

Here's why:

✅ Roth IRA withdrawals (once you're 59½+ and the account's been open 5+ years) are 100% tax-free: federal AND California. They also don't count toward your Modified Adjusted Gross Income (MAGI), so they can't bump you into a higher Medicare IRMAA bracket.

⚠️ Traditional IRA withdrawals are fully taxable. A $20,000 net withdrawal (after ~22% federal + 2% CA withholding) actually adds about $26,316 to your MAGI once grossed up, which can be enough to push you into the next Medicare Part B/D premium tier.

📊 For 2026, that next IRMAA bracket kicks in once MAGI crosses $109,000 (individual filer). (Using current thresholds as an estimate; official 2027 numbers haven't been released yet, so this is directional, not exact.)

The takeaway: retirement withdrawals aren't one-size-fits-all. The right account to pull from depends on your full income picture: RMDs, Social Security COLAs, pension income, and more all factor in.

If you're weighing a big withdrawal and want to make sure it's coming from the right bucket, let's talk. 📞

🎉🥳 So many milestones, one unforgettable celebration! This week, we got to celebrate our dear friends David & Andrea...
07/25/2026

🎉🥳 So many milestones, one unforgettable celebration!

This week, we got to celebrate our dear friends David & Andrea: their birthdays, their amazing 51st wedding anniversary, AND moving into their gorgeous new home after everything they lost in the 2018 Camp Fire. 🏡

From devastation to rebuilding to finally coming home, their story is proof that love and resilience can carry you through anything. 51 years together, a fresh start in a new house, and so much joy to go around. ❤️

We are so incredibly grateful to call you both friends. Here's to many, many more years of laughter, love, and new memories in your beautiful new home! 🥂✨

My health insurance now costs more than my mortgage. What am I supposed to do now? 🤯💸If you’re in your early 60s, on the...
07/24/2026

My health insurance now costs more than my mortgage. What am I supposed to do now? 🤯💸

If you’re in your early 60s, on the ACA marketplace, and just lost your subsidy, you’re not alone. I’m seeing more clients stunned by premium increases that suddenly don’t fit their retirement plan. 😟📈

One strategy we’re using: pairing lower‑cost, cash‑pay care options with a focus on protecting against the big, catastrophic risks. 🛟 A good example is the Costco–Sesame program. Costco members can access telehealth and some in‑person visits at upfront, posted cash prices, often much lower than traditional insurance‑billed rates for the same type of visit. 💊🧑‍⚕️💻 You pay per visit (think primary care, mental health, basic labs) rather than a big monthly premium, which can be helpful if your health is relatively stable and you mainly need routine care. ✅

That means:

# Being crystal clear on your real annual healthcare usage 🧮📝

# Comparing ACA plans vs. cash‑pay options vs. high‑deductible “safety net” coverage ⚖️

# Stress‑testing your plan: “What if I had a major medical event next year?” 🚑❓

This isn’t about dropping insurance lightly. 🚫 It’s about intentionally balancing cost, risk, and peace of mind as you transition to Medicare. 💚🧠🕊️

If you’re 60–64 and your premiums just exploded, you don’t have to figure it out alone. 🤝 Schedule a free intro call and let’s talk it through together. 📆📞https://go.oncehub.com/intro-phone-call

😬 🧾 👵 📊 🌿

💚 You deserve a place to ask, “Is this a dumb question?” and know the answer is always no. 🤝That’s exactly how I want mo...
07/21/2026

💚 You deserve a place to ask, “Is this a dumb question?” and know the answer is always no. 🤝

That’s exactly how I want money conversations to feel. When clients like Sheila sit down with me, nothing is off‑limits—worries about markets, confusion about investment jargon, or “I should probably already know this” questions. We slow things down, sort through what’s really on your mind, and translate the details into clear next steps so you leave feeling more confident, not embarrassed. 🌱

If you’ve been holding back questions because they “sound silly,” I’d be glad to give them a safe, judgment‑free place to land. Schedule free intro call: https://go.oncehub.com/intro-phone-call

💚 The real question isn’t “What’s your risk tolerance?”—it’s “What kind of life are you planning for?” 🌱That’s exactly h...
07/14/2026

💚 The real question isn’t “What’s your risk tolerance?”—it’s “What kind of life are you planning for?” 🌱

That’s exactly how I think about retirement planning with clients like Sally. We start with what matters most—family, health, work, flexibility—and then build a portfolio and “what‑if” projections around those priorities so the numbers actually support the life she wants, not the other way around.

If you’d like your own plan to feel more personal and less like a checkbox exercise, I’d be glad to connect for a short conversation. 🤝Schedule free intro call: https://go.oncehub.com/intro-phone-call

Address

527 Flume Street, Suite 6
Chico, CA
95928

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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