Keystone Capital Management Group, LLC

04/26/2026

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04/10/2026

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📊 In the year a spouse dies, a surviving spouse can generally still file married filing jointly — joint tax brackets and the $32,200 standard deduction still apply.

The filing status shift to single typically begins the second year after death, unless the survivor qualifies as a qualifying surviving spouse.

Qualifying surviving spouse status preserves MFJ tax rates for up to two years after death but requires a dependent child living in the home. Most widows and widowers over 65 do not meet that requirement.

Once filing as single, the standard deduction drops from $32,200 to $16,100 — increasing taxable income by up to $16,100 with no change in spending.

The IRMAA threshold that triggers Medicare surcharges drops from $218,000 to $109,000. A surviving spouse with income just above $109,000 may owe $1,148 or more per year in Medicare surcharges that did not apply when filing jointly.

The 0% long-term capital gains threshold drops from $98,900 to $49,450. The 85% Social Security taxation threshold drops from $44,000 to $34,000.

IRMAA uses a two-year income lookback, so the Medicare premium increase may not appear until two years after the filing status changes to single.

03/06/2026

This is so important!! Worth the listen!

01/20/2026

With tax laws shifting and retirement planning top of mind for many, we are sharing an overview of Roth conversions. Swipe through to learn more.

Want to talk through incorporating Roth IRAs and conversion into your financial plan? Give us a call today to get started.

01/19/2026

As we honor Martin Luther King Jr. Day on January 19th, we wanted to take a moment to share some of our favorite accounts of Dr. King’s life and legacy:

🔵"My Life with Martin Luther King, Jr." by Coretta Scott King
🔵"King: A Life" by Jonathan Eig
🔵"The Autobiography of Martin Luther King, Jr." edited by Clayborne Carson

If you’re looking for more ways to honor the day, you can visit thekingcenter.org for ideas, events, and resources.

01/15/2026

If you’re thinking about retirement, you might be considering Social Security benefits as part of your plan. But you might not realize that you could be preparing now to help increase your benefit later.

Here are some key Social Security strategies that could help maximize your benefit more — and bring you greater peace of mind down the road:

✅ Work at least 35 years - Social Security is based on your 35 highest-earning years. If you’re only a few years off of this target, you may want to consider working until you hit the 35-year mark.

✅ Consider additional earning opportunities - Raises, promotions, or side gigs that increase your income can count toward a higher future benefit.

✅ Check your earnings record - Errors or missing income can shrink your future payments. Review and correct them through your My Social Security account.

✅ Wait until full retirement age - Claiming Social Security benefits early can reduce your monthly amount for life. Waiting until your full retirement age can pay off.

✅ Consider delaying benefits - For every year you delay past your full retirement age, your benefit increases. Depending on your personal health and financial needs, delaying your Social Security benefits can help you earn more as you age.

While these strategies may work for some, it’s important to discuss the best approach for your unique situation with a financial advisor.

That’s where we come in. Give us a call today, and we can discuss a holistic wealth management strategy that considers current needs and future goals.

01/06/2026

The new year is a perfect time to revisit financial goals and make any necessary adjustments for the year ahead. To help you start 2026 off on the right foot, we’re sharing a few key steps to consider.

For personalized wealth management guidance, call our office today to schedule a New Year portfolio review.

01/04/2026

If you’re like my family and start the yesr off with January birthdays, here are freebies available! 🎊🥳

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01/01/2026

As we step into 2026, we want to pause and wish each of you a successful, healthy start to the year.

Please note: Our office will be closed on January 1st and 2nd, allowing our team to recharge and prepare for all that’s ahead.

Here’s to fresh starts, full calendars, and finally remembering what day it is again!

01/01/2026

A good tip if you’re wondering if you can afford a higher house payment. Just because you “qualify” for it on paper, doesn’t mean you can actually afford it.

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12/24/2025

As Christmas arrives, we’re reminded of the importance of slowing down and appreciating the people we’ve had the privilege of working with and supporting. That said, we’re truly grateful for your trust and partnership this time of year and always.

Our office will be closed Wednesday, December 24th, through Friday, December 26th, allowing our team to spend the holiday with their loved ones. We’ll get back to you as soon as we return.

Wishing you a joyful and restful Christmas, surrounded by the people who matter most.