Evermont Wealth

Evermont Wealth Evermont Wealth is a financial planning, investment management and wealth advisory firm. https://linktr.ee/EvermontWealth You’re thinking about retirement.

You want to plan for your golden years. You need advice about planning for tomorrow. Here at RPA Wealth Management, we help people just like you optimize their money to take their retirement life to the next level!

There's a kind of inheritance that doesn't get talked about nearly enough: the gift of clarity.When something happens to...
09/03/2026

There's a kind of inheritance that doesn't get talked about nearly enough: the gift of clarity.

When something happens to you, your children aren't just grieving. They're making phone calls and looking for documents at the worst possible moment. A single organized folder with the right information can spare them an enormous amount of difficulty.

https://bit.ly/4ybh3CR

Organizing your financial life is one of the most loving things you can do for your family. Here's how to help give your children the gift of clarity.

When a parent ends up in the hospital, adult children are often surprised by how much they don't know. Where the account...
08/20/2026

When a parent ends up in the hospital, adult children are often surprised by how much they don't know. Where the accounts are. Whether a power of attorney exists. What their parent actually wants if they can't speak for themselves.

Nobody kept secrets. The conversation just never happened, because it never felt urgent. The families who handle these moments best are often the ones who had it early.

https://bit.ly/4gc8S1C

If a parent had a health crisis tomorrow, would you know what to do? Here's what every adult child should find out before it becomes urgent.

Most parents have thought about it at least once: "If something happened to me, would my kids be able to handle things?"...
08/06/2026

Most parents have thought about it at least once: "If something happened to me, would my kids be able to handle things?" Finding the will, reaching the right people, knowing what you actually want if you can't speak for yourself.

The conversation is usually easier than the anticipation, and the families who handle a crisis well are often the ones who had the talk early.

https://bit.ly/4yWw8t7

Would your kids know what to do if something happened to you? Here's what to tell them and how to make the conversation easier for everyone.

Wanting to help your child buy a home is a natural instinct. But how you help matters as much as how much you help.Gifti...
07/23/2026

Wanting to help your child buy a home is a natural instinct. But how you help matters as much as how much you help.

Gifting a down payment, making a formal loan, co-signing, and buying together are four very different arrangements, financially and relationally. And before any money moves, there's a conversation worth having about what the arrangement actually is so everyone's on the same page.

https://bit.ly/4fMvXZC

Want to help your adult kids buy a home without straining your finances or your family? Here's how to structure it, starting with your own finances.

Your family will figure it out after you're gone. Eventually. But "eventually" often means weeks of searching through fi...
07/09/2026

Your family will figure it out after you're gone. Eventually. But "eventually" often means weeks of searching through filing cabinets, old email accounts, and financial statements no one knew existed.

A will, a trust, beneficiary designations, powers of attorney, insurance policies: Each one needs to be somewhere your family can actually find it.

https://bit.ly/4f1mXyd

If your estate documents aren't organized, your family can spend months looking for them after you're gone. Here's the checklist to start today.

A lot of parents want to help their kids buy a home. But how you help carries real financial weight, for both you and yo...
06/25/2026

A lot of parents want to help their kids buy a home. But how you help carries real financial weight, for both you and your child.

A cash gift, a family loan, and a gift of equity each look different at tax time and carry different implications for the mortgage lender, your retirement timeline, and your estate plan. California adds its own layer, including property tax reassessment rules under Prop. 13 that can change the math on an intra-family home transfer.

Worth a read if this is on your radar.

https://bit.ly/4oFILUy

Thinking about helping your child buy a home? Parents have three common ways to pitch in on a down payment, each with its own financial considerations.

When a parent moves into senior care, the family home often becomes one of the most pressing financial questions no one ...
06/15/2026

When a parent moves into senior care, the family home often becomes one of the most pressing financial questions no one feels ready to address.

Sell before the move, or after? Hold it for heirs, or liquidate now?

The timing can affect the capital gains exclusion, the stepped-up basis available at inheritance, and — if Medicaid could ever be a factor — program eligibility. The options don't all point in the same direction, and the right answer depends on the family's specific situation.

Whether you’re moving into senior care or helping a parent through the transition, the question of what to do with the house deserves a real answer. Here’s how to think through the financial side.

Two nonprofits. More than 3,700 children, young adults, and families served across Southern California every year. And a...
06/11/2026

Two nonprofits. More than 3,700 children, young adults, and families served across Southern California every year. And a golf tournament that helps make it all possible.

The 27th Annual Haynes David & Margaret Golf Classic at Glendora Country Club this month raised funds for the Haynes Family of Programs and David & Margaret Youth and Family Services — two organizations doing extraordinary work for kids who need it most. We were proud to be a sponsor.

https://bit.ly/3ROmk3h

Evermont Wealth, a fee-only financial advisor in Claremont, CA, sponsored the 27th annual Haynes David & Margaret Golf Classic on June 1, 2026, benefiting youth and family services in Southern California.

Here's something many families don't realize until it's too late to do much about it.A traditional IRA doesn't transfer ...
06/10/2026

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 a child the way a brokerage account does. There's no step-up in basis. Every dollar comes out as ordinary income, 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 can 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.

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Claremont, CA

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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+19092967977

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