McAdams Group, LLC

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September is a useful retirement-planning checkpoint. Estimated taxes, Medicare notices, RMDs and year-end tax decisions...
09/01/2026

September is a useful retirement-planning checkpoint. Estimated taxes, Medicare notices, RMDs and year-end tax decisions are starting to converge.

Use the next few months to review what still needs attention—not just what has a deadline.

Start here: https://bit.ly/4xt9BTt

08/31/2026

The RMD deadline is not the ideal time to begin the RMD conversation.

Before required distributions begin, three questions may be more useful:
1. Which accounts are likely to create taxable income later?
2. Are there withdrawal or Roth-conversion decisions worth evaluating earlier?
3. How could future income interact with Medicare costs, charitable goals, or the amount left invested?

The objective is not to predict everything. It is to understand which choices may narrow once distributions become required.

Explore RMD events and resources: https://bit.ly/4gGaOzw

Earlier planning may include reviewing account types, future taxable income, charitable intentions, potential Roth-conve...
08/28/2026

Earlier planning may include reviewing account types, future taxable income, charitable intentions, potential Roth-conversion windows, and how required distributions could interact with other retirement decisions.

The goal is not to avoid every tax. It is to understand the choices before some of them narrow.

Explore RMD events and resources: https://bit.ly/4gEzt7V

Four retirement decisions can change the tax picture:1. Which account provides the next dollar of income2. When Social S...
08/26/2026

Four retirement decisions can change the tax picture:

1. Which account provides the next dollar of income
2. When Social Security begins
3. Whether a Roth conversion is worth evaluating
4. When capital gains are realized

Each decision may affect taxable income, future RMDs, and income-related Medicare considerations. That is why the “best” choice cannot usually be determined by looking at one transaction or one year in isolation.

Bring the four questions into a coordinated Strategy Session: https://bit.ly/4glt2HN

08/24/2026

Your 2026 Medicare premium may be based on income reported two years earlier.

The standard Part B premium is $202.90 per month in 2026. Income-related Medicare adjustments may apply when 2024 modified adjusted gross income exceeded $109,000 for an individual or $218,000 for a married couple filing jointly.

That is why retirement tax decisions can have a healthcare-cost effect. A Roth conversion, large realized gain, or retirement-account distribution may increase income used for the premium calculation. On the other hand, a recent retirement, work reduction, or other qualifying life-changing event may support a request for a new IRMAA determination.

The takeaway is not “avoid income.” It is “model the connected decisions before acting.”

Book a S.A.F.E.R. Strategy Session: https://bit.ly/4qyPu3D

Source:2026 Medicare Costs
https://bit.ly/4wKh53c

One of the most useful parts of a retirement seminar is hearing someone else ask the question you were already thinking....
08/21/2026

One of the most useful parts of a retirement seminar is hearing someone else ask the question you were already thinking.

At McAdams events, the conversation is practical: RMDs, taxes, estate planning, retirement income, healthcare, and the decisions families face as retirement gets closer. You can listen, take notes, ask a question, and leave with a clearer idea of what deserves attention next.

See upcoming seminars and webinars at https://bit.ly/4cy2gto

08/19/2026

August is Make-A-Will Month, which makes this a useful time to ask a better question than “Do we have a will?”

Ask whether the complete plan would be usable by the people who may need it.

• Do retirement-account and insurance beneficiaries still match your wishes?
• Are financial and healthcare decision-makers current?
• If a trust is part of the plan, are the right assets titled or coordinated with it?
• Does the family know where the documents are and whom to call?

A signed document matters. Coordination and communication are what help a family use it.

Start the Estate Planning Questionnaire and explore upcoming resources: https://bit.ly/4gFimDU

“Can we afford to retire next year?” sounds like one question. In practice, the answer may depend on five connected deci...
08/18/2026

“Can we afford to retire next year?” sounds like one question. In practice, the answer may depend on five connected decisions.

Which accounts should create income first? How much market risk can the plan absorb? What healthcare costs should be considered? Are estate documents and beneficiaries aligned? What will pay the bills during both strong and difficult markets?

The S.A.F.E.R. review gives those questions a structure: Strategic Taxes, Allocation, Future Healthcare, Estate Planning, and Retirement Income.

Ready to connect the answers? Book a Strategy Session at https://bit.ly/4gef6xX

One of the most useful 2026 retirement-rule updates is also easy to miss.The 2026 employee contribution limit for many 4...
08/15/2026

One of the most useful 2026 retirement-rule updates is also easy to miss.

The 2026 employee contribution limit for many 401(k), 403(b), and governmental 457 plans is $24,500. Most eligible savers age 50 and older may add an $8,000 catch-up contribution. Those who turn 60, 61, 62, or 63 during 2026 may qualify for a higher $11,250 catch-up limit.

There is another change for some higher earners. If your 2025 wages from the plan sponsor exceeded $150,000, 2026 catch-up contributions generally must be Roth when the plan offers catch-up contributions and a Roth feature.

The question is not only, “Can I save more?” It is also, “How should the extra savings fit with my current tax bracket, future retirement income, and remaining pay periods?”

Review the decision in a Strategy Session: https://bit.ly/4xN7vOh
Sources:
1. https://bit.ly/4g1HQve
2. https://bit.ly/4xFTCRE
3. https://bit.ly/4xFTDoG
4. https://bit.ly/4x767WO

08/13/2026

A couple can do the responsible thing - sign a will - and still leave their family with questions.

The reason is simple: some assets may pass by beneficiary designation, not by the will. A family may also need current powers of attorney, healthcare instructions, appropriate account ownership, and a clear place to find the documents.

A useful first step is to ask whether all five pieces tell the same story.

Use the Estate Planning Questionnaire and explore practical resources at https://bit.ly/4gehvsE

Address

98 Timber Creek Drive
Cordova, TN
38018

Opening Hours

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

Telephone

+19015570990

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