Evermont Wealth

06/04/2026

Earlier this month, Vineyard Little League held its 5th Annual Golf Tournament at Upland Hills Country Club in Upland, one of the league's biggest fundraisers of the year.

Proceeds go toward field maintenance, equipment, and the costs that keep youth baseball running and accessible for families in Rancho Cucamonga.

We were proud to help sponsor the event and glad to spend the day on the course with this community.

https://bit.ly/4vd119S

Evermont Wealth, a fee-only financial advisor in Claremont, CA, sponsored the Vineyard Little League’s annual golf tournament on May 15, 2026, supporting youth baseball in Rancho Cucamonga.

06/03/2026

Here's something many families don't realize until it's too late to do much about it.

A traditional IRA doesn't transfer to your kids the way a brokerage account does. There's no step-up in basis. Every dollar comes out as ordinary income and taxed at whatever rate applies when they take it. And under current rules, most beneficiaries have just 10 years to empty the account.

For a high-earning child inheriting a parent's IRA, the tax hit can be significant. But with the right planning ahead of time, a lot of it could be avoidable.

https://bit.ly/3RA529X

If your parents have a large IRA and you have a high-income career, you could be looking at a serious tax bill when you inherit. Here’s what changed after the SECURE Act and what to do about it.

05/19/2026

Should you sell your home during your lifetime, or hold on and leave it to your kids?

In California, the timing of that decision can mean significant taxes. For one, the stepped-up basis that comes with inheritance can be a major advantage. But Prop. 19 changed what your children can do with the property and still keep your low assessed value. Meanwhile, if you sell, California taxes capital gains as ordinary income, with no preferential rate.

There's no universal right answer. But it's worth understanding the options before you decide.

https://bit.ly/4ddl8NK

Should you sell your home now or leave it to your kids? The answer can have major tax implications. Here's what to consider before you decide.

04/30/2026

Most parents never think to ask what happens to their child's inheritance if that child gets divorced.

In California, inherited assets are considered separate property, but that protection begins to disappear when the money gets mixed with marital funds. A joint account deposit. A shared renovation. And suddenly, what you spent a lifetime building is subject to a 50/50 split.

There are ways to structure an estate plan that helps keep that protection intact.

https://bit.ly/48sDjO2

Inheritance is separate property in California — until it isn't. Here's how commingling, retitling, and divorce could unravel what you leave your kids.

04/27/2026

Netflix offers a benefits package a lot of people would envy. But between the 401(k) match, stock options, and automatic life coverage, there are a lot of moving parts.

We work with Netflix employees, and the pattern we often see isn't people making bad decisions. It's people who set things up on day one and never looked at them again.

If that sounds familiar, this is a good place to start.

https://bit.ly/4exnZn6

Your Netflix benefits package can do a lot of heavy lifting for your financial future. Here's a plain-language look at your 401(k), stock options, and life and serious injury coverage.

04/22/2026

Your parents are fine. The accounts look fine. But when you ask yourself who's on top of their finances, what's the answer?

A lot of parents carry this quietly. The advisor they've had for years may be coasting. The strategy made sense at 52 but hasn't been revisited. And nothing feels urgent enough to raise, right up until it is.

Missed RMDs, stock positions nobody's touched, giving that's gone on autopilot. These things can add up when no one's watching the full picture. It's worth asking the question before something slips.

https://bit.ly/3Or2jyt

If your parents have substantial wealth but no one is actively watching the full picture, things can slip without anyone noticing. Here's what families need to know.

04/08/2026

Setting up a trust is the responsible move. But a trust only works if it's properly funded, your beneficiary designations are current, and the plan has kept pace with your life.

We see the gaps more than we'd like — assets never retitled, old beneficiaries still listed, IRA arrangements that could create a real tax headache for heirs. Any one of them can send a family into probate, which is the exact outcome the trust was supposed to prevent.

If it's been a few years since anyone looked at your plan, this is a good place to start.

https://bit.ly/4bZNw5C

You set up a trust, but unfunded assets, outdated beneficiaries, and IRA tax traps could still send your family to probate. Here is what to check.

03/31/2026

Your first year as a Southern California Permanente Medical Group (SCPMG) associate physician is a lot. New patients, new systems, new everything.

But buried in the onboarding paperwork are some decisions with long-term consequences. A Keogh election that's irrevocable. A long-term disability enrollment window that closes after 31 days. A 401(k) with more room right now than it will have once you make partner.

Missing these isn't the end of the world. But catching them early can make a meaningful difference.

https://bit.ly/4bQdsAx

New to SCPMG? Here's what associate physicians need to know about Kaiser’s Keogh election, 401(k) strategy, disability coverage, and benefit decisions that can't wait.

03/27/2026

Making partner as a Southern California Permanente Medical Group (SCPMG) physician is worth celebrating. But the financial transition that comes with it is more complex than many people expect.

Keogh contributions start. Disability coverage changes. Life insurance formulas shift. And if you don't revisit your 401(k) strategy, you could end up over-contributing without realizing it.

The changes are all manageable, but they're a lot easier to handle when you see them coming.

https://bit.ly/4lK1vRj

Making partner at SCPMG comes with major benefit changes. Learn what happens to your Keogh, disability coverage, life insurance, and more when you transition from associate to partner.

03/26/2026

In the latest episode of the "Retirement Plan Playbook" podcast, we look at what past conflicts can teach us about markets during war and why history often runs counter to expectations. Listen now to the "Retirement Plan Playbook" podcast and don't forget to subscribe!

https://bit.ly/4sGKmdw