Kincaid Retirement & Wealth Management, LLC

06/01/2026

Whether you're in your 40s, 50s, or staring retirement in the face — this one is for you. 👇

One of the biggest mistakes I see people make is thinking retirement planning is something you do right before you retire. The truth is, what you do in your 40s looks completely different from what you should be doing in your 60s — and every decade matters.

Your 40s are about building. Your 50s are about accelerating. Your 60s are about protecting what you've worked so hard to create.

Swipe through for the decade-by-decade roadmap — and save this one. Wherever you are right now, there's something in here for you. 💛

05/26/2026

Nobody wants to talk about this one — but it could be the expense that derails your entire retirement plan. 🏥

Most people spend years saving for retirement. They plan for housing, travel, the fun stuff. But healthcare? It almost always gets underestimated — and the numbers are sobering.

Rebecca breaks down why healthcare is the expense she sees catch people off guard more than anything else:
Medicare doesn't cover everything. Long-term care isn't cheap. And if you retire before 65, you're on your own for coverage until Medicare kicks in.

The good news? This is absolutely something you can plan for — if you start early enough.
If you're in your 40s or 50s and healthcare isn't part of your retirement conversation yet, this one's for you. 👇

05/22/2026

If you know us, you know we love a mini-mic. Today’s question is what does dream retirement look like for you?🎤

05/21/2026

We asked the team: what's the worst money advice you've ever received? 🎤

The answers did not disappoint. 😂

Drop the worst money advice YOU'VE ever gotten in the comments — we have a feeling this thread is going to be wild. 👇

05/20/2026

These are my minions 😉 and I couldn't do any of this without them!

05/19/2026

The retirement conversation most couples skip — and it’s not about money. 💬

Everyone plans for the financials. The savings, the Social Security timing, the budget. But there’s one question I rarely hear couples ask each other before they retire:

What are we actually going to do with our time?

Because when two people who have spent 30+ years with packed schedules suddenly have 40 extra hours a week — and they want completely different things — that’s where the tension starts.

One wants to travel. The other wants to stay close to the grandkids. One wants to pick up a part-time job. The other is ready to fully unplug.

Neither is wrong. But if you haven’t talked about it before day one of retirement, it can feel like a collision.
The best retirement plans aren’t just financial — they’re intentional. Have the conversation before you get there. 🤍

05/15/2026

The best part of what we do? The people. 🐎🌹

Getting to celebrate with our clients at the Derby party this year was a reminder of why we love what we do. You trust us with something really important — your future — and we don’t take that lightly.

Here’s to the relationships that make this work so meaningful. We are so grateful for every single one of you. 💛

05/12/2026

There’s a window most people don’t even know exists — and missing it could cost you in retirement. 👇

A Roth conversion sounds complicated. But the concept is simple: pay the taxes on your retirement savings now, so you never have to pay them again.

The tricky part isn’t understanding what it is. It’s knowing when to do it — and how much to convert without creating a bigger tax problem than you started with.

Here’s what most people miss: if you retire before your RMDs kick in at 73, there’s often a stretch of years where your income drops, your tax bracket is lower than it’s ever been, and you have a real opportunity to convert strategically.

That window doesn’t last forever. And once RMDs start, your options get a lot more limited.

Swipe through to see how it works — and whether it might make sense for you. 💛

05/06/2026

Three questions Rebecca gets all the time — answered in under a minute. ⏱

💬 “What should I do if I get a financial windfall?”
💬 “Should I pay off my house or invest the money?”
💬 “How do I actually know if I have enough to retire?”

These are the questions that keep people up at night — and Rebecca gives you the real answers, not the textbook ones.

Save this and send it to someone who needs to hear it. 👇

05/05/2026