RetirePath Advisors

RetirePath Advisors We get to know you and your unique goals before making recommendations.

May 2026 Monthly Market Memo: The Bull Market Runs On Case Eichenberger, CIMA® | Chief Investment Officer, RetirePath Ad...
06/03/2026

May 2026 Monthly Market Memo: The Bull Market Runs On Case Eichenberger, CIMA® | Chief Investment Officer, RetirePath Advisors | June 2026 If April was the comeback, May was the confirmation. Equity markets extended their remarkable...

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public schoo...
05/29/2026

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public school for out-of-state students is $45,780, and the average private school costs $60,920.

So, because today is 529 Day (it’s 5/29, get it? 😂), it’s a good time to revisit one of the most flexible tools for tackling those numbers.

What 529 plans actually do:

📚 Tax-free growth and tax-free withdrawals for qualified education expenses. State tax treatment will vary, and so will fees and expenses.

📚 Use them for college, trade school, K-12 tuition, and apprenticeships. A 529 can even repay up to $10,000 in student loans.

📚 Whether a 529 qualifies for a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws.

📚 Superfund up to $95,000 in a single year by using five years of gift tax exclusions at once. But remember if you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

📚 Minimal impact on financial aid—parent-owned 529s are assessed at a maximum rate of 5.6 percent.

Grandparents, parents, aunts, or uncles can contribute.

And starting in 2026, the K-12 annual withdrawal limit doubles to $20,000.

The best time to start was years ago. The second-best time is now.

A lot of what drives outcomes is below the surface.For example, in 2022, when the S&P 500 fell more than 18 percent, two...
05/28/2026

A lot of what drives outcomes is below the surface.

For example, in 2022, when the S&P 500 fell more than 18 percent, two-thirds of mutual funds still made capital gains distributions, according to a 2025 Fidelity report.

That is not a headline most investors expect, and it is a reminder that taxable distributions from mutual funds do not always reflect market performance.

What’s really going on:
A mutual fund can distribute taxable capital gains when the manager sells underlying holdings at a profit, even if you don’t sell any shares of the fund.

It can happen in a down year; gains on individual holdings can occur while the overall fund value declines.

Buying a mutual fund late in the year can still leave you responsible for distributions tied to that full calendar year.

Fidelity cites a Morningstar study showing taxes may reduce portfolio returns by up to 2 percent annually on average when not accounted for.

There are ways to manage surprise distributions, including tax-smart account placement, tax-managed funds, and evaluating ETFs, where appropriate.

Remember, mutual funds and ETFs are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.

This is not about avoiding mutual funds. It is about the benefits of working with a financial professional who can show you what mutual funds pay capital gains and what funds are designed to manage payouts. Your tax, legal and accounting professionals can show you how a capital gain will affect your tax situation.



The Standard & Poor's 500 (S&P 500) is a market-cap weighted index comprised of the common stocks of 500 leading companies in leading industries of the U.S. economy. You cannot invest directly in an index.

Thrivent Advisor Network and its advisory persons do not provide legal, accounting, or tax advice. Consult your attorney or tax professional.

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.Today, we rem...
05/25/2026

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.

Today, we remember those who gave everything. The men and women who served and never came home.

Some of us knew them. Some of us are here because of them.

However you spend today, take a moment to pause. Enjoy the long weekend, but hold space for what it actually means.

To the families carrying that loss: we honor them with you.

Cap and gown season is here. 🎓A BIG CONGRATULATIONS to every graduate walking across a stage this month! 🥳 🥳The late nig...
05/21/2026

Cap and gown season is here. 🎓

A BIG CONGRATULATIONS to every graduate walking across a stage this month! 🥳 🥳

The late nights, the stress, the uncertainty about what comes next have all led to this moment.

To the parents and grandparents in the audience pretending they're not emotional: we get it. ❤️

For the new grads, a few things to consider as you start this next chapter:

➡️ Start investing as early as possible, even if it's small. Time is the one advantage you won't get back.

➡️ If your employer offers a retirement plan with a company match, take it. It's free money.

➡️ Build an emergency fund before you worry about investing. Three months of expenses is a good first goal.

➡️ Understand your student loans: what you owe, the interest rates, and when payments start.

➡️ Your first budget doesn't have to be perfect. It just has to exist.

The financial habits you build now will help form the foundation for your future.

Congrats, Class of 2026. 👏

Who else has a pet that runs the household? 🙋May is National Pet Month, and whether it's a dog 🐕, a cat 🐈, or something ...
05/18/2026

Who else has a pet that runs the household? 🙋

May is National Pet Month, and whether it's a dog 🐕, a cat 🐈, or something with scales or feathers, pets have a way of taking over.

They love us unconditionally. They give us so much joy. They are a big part of the fabric of our families.

They also can cost more than we expected, require more preparation than we anticipated, and somehow we'd do it all over again in a heartbeat.

If you have one, or three, or had one in the past, then you know. ❤️

Share a pic of your fur baby(ies)! 🐶

Think you have to start claiming Social Security at 62?That's a myth that could cost you.Fidelity recently broke down th...
05/15/2026

Think you have to start claiming Social Security at 62?

That's a myth that could cost you.

Fidelity recently broke down this common misconception with the facts behind Social Security:

➡️ Claiming at 62 locks in a permanent 30 percent reduction compared to waiting until full retirement age.

➡️ Waiting from 62 to 70 can increase your monthly benefit by approximately 77 percent.

➡️ If you're divorced after 10+ years of marriage and haven't remarried, you may be entitled to 50 percent of your ex-spouse's benefit, and claiming it doesn't affect theirs at all.

➡️ Benefits are based on your highest 35 earning years, not just what you made before 65. Working past 65 can still improve your calculation.

➡️ Once you claim it, that's your benefit, adjusted only for cost-of-living increases.

The decision of when to claim is one of the most consequential decisions when preparing for retirement.

For a benefit designed to last 20, 30, or more years, the math is worth getting right. 📊

Your retirement outlook probably covers income, investments, and Social Security.But does it answer this question: if yo...
05/14/2026

Your retirement outlook probably covers income, investments, and Social Security.

But does it answer this question: if your health changes at 82, who coordinates your care, how is it paid for, and what burden does it place on the people you love? 👇

That's the conversation most families aren't having early enough.

A few numbers that put it in perspective:

✅ 70 percent of adults who reach 65 will need some form of long-term care.

✅ A semi-private nursing home room now costs a median of $114,975 per year, and that number is climbing fast.

✅ Projected out 20 years, nursing home care could approach $186,000 annually.

✅ Continuing care retirement communities (CCRCs) offer an alternative: move in while independent, with access to assisted living, memory care, and skilled nursing on one campus as needs change.

✅ A portion of CCRC entrance fees and monthly fees may have tax considerations since they can be classified as a medical expense. Most people don't know this.

The biggest mistake we see?

Waiting.

CCRCs require applicants to be healthy enough to live independently. Many have waitlists.

"I'll just stay in my house" feels like the safest option. But it's only safe if you've stress-tested what happens when care needs escalate.

Have you started this conversation with your family or your financial professional? 👇

Americans over 70 hold more than 30 percent of the country's wealth, even though they represent just 11 percent of the p...
05/11/2026

Americans over 70 hold more than 30 percent of the country's wealth, even though they represent just 11 percent of the population.

May is Older Americans Month, and whether you're in this chapter, approaching it, or helping a parent navigate it, here are some of the considerations that come into play:

1️⃣ Required minimum distributions that force withdrawals whether you need the income or not

2️⃣ Sequencing decisions about which accounts to tap first

3️⃣ Medicare timing and long-term care options, including whether a continuing care retirement community makes sense

4️⃣ Protecting against elder scams and financial exploitation

5️⃣ Power of attorney conversations and making sure the documents are accessible

6️⃣ Considering the possibility of cognitive decline before it happens

None of these has one right answer. They depend on your health and what your family goals look like.

The earlier these conversations start, the more options there may be on the table. 🙌

💐 Happy Mother's Day weekend to all the moms, stepmoms, grandmothers, and mother figures who have and continue to shape ...
05/09/2026

💐 Happy Mother's Day weekend to all the moms, stepmoms, grandmothers, and mother figures who have and continue to shape us all!

Moms teach us more about money than they probably realize. The way they focus us on what matters and demonstrate the beauty of giving without expectation.

So much of how we think about generosity, responsibility, and what's worth protecting traces back to what we learn from the women in our lives.

Happy Mother's Day!

Address

419 W Judy Drive
Fremont, NE
68025

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 4pm

Telephone

+14027211762

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