Porter + Guide Wealth Management

09/02/2026

Retirement accounts, such as 401(k)s and IRAs, allow you to name beneficiaries who will receive the assets when you pass away. In most cases, these beneficiary designations override instructions in your will and allow the assets to pass directly to your named beneficiaries without going through probate.

That’s why it’s important to make sure you’ve named beneficiaries on all of your retirement accounts—and to review them regularly to ensure they’re still up to date.

08/31/2026

The Power of Gratitude:

Researchers have shown that you can’t feel anxious and thankful at the same time. This post isn’t to minimize the fact that people suffer with anxiety or to tell you to just be positive. It is just to encourage you to pause today and find something that you are thankful for. A small moment of gratitude can make a powerful habit.

*Nolan pausing in a Buzz mask to say his thanks

08/28/2026

So Long Summer. ☀️🏖

As summer winds down, we wanted to share some pictures of our exciting adventures. We hope your summer was filled with laughs, good times, and plenty of memories.

08/26/2026

What is IRMAA:
IRMAA stands for Income-Related Monthly Adjustment Amount. It’s an additional charge that may be added to your monthly 𝐌𝐞𝐝𝐢𝐜𝐚𝐫𝐞 𝐏𝐚𝐫𝐭 𝐁 (𝐦𝐞𝐝𝐢𝐜𝐚𝐥 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞) 𝐚𝐧𝐝 𝐏𝐚𝐫𝐭 𝐃 (𝐩𝐫𝐞𝐬𝐜𝐫𝐢𝐩𝐭𝐢𝐨𝐧 𝐝𝐫𝐮𝐠 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞) premiums if your income is above certain levels.

The Two-Year Lookback

Your IRMAA is based on the income reported on your tax return from 𝐭𝐰𝐨 𝐲𝐞𝐚𝐫𝐬 𝐞𝐚𝐫𝐥𝐢𝐞𝐫. In other words, the government looks back at your income from two years ago to determine whether you’ll pay an additional amount this year.

For 2026, IRMAA applies if your 𝐌𝐨𝐝𝐢𝐟𝐢𝐞𝐝 𝐀𝐝𝐣𝐮𝐬𝐭𝐞𝐝 𝐆𝐫𝐨𝐬𝐬 𝐈𝐧𝐜𝐨𝐦𝐞 (𝐌𝐀𝐆𝐈) is more than $𝟏𝟎𝟗,𝟎𝟎𝟎 𝐟𝐨𝐫 𝐢𝐧𝐝𝐢𝐯𝐢𝐝𝐮𝐚𝐥𝐬 𝐨𝐫 $𝟐𝟏𝟖,𝟎𝟎𝟎 𝐟𝐨𝐫 𝐦𝐚𝐫𝐫𝐢𝐞𝐝 𝐜𝐨𝐮𝐩𝐥𝐞𝐬 𝐟𝐢𝐥𝐢𝐧𝐠 𝐣𝐨𝐢𝐧𝐭𝐥𝐲.

Here is a great article with more details: https://www.kiplinger.com/retirement/medicare/what-is-the-irmaa

08/24/2026

It’s the last full week of August—and somehow, August flew by.

That also means there are only four months left in 2026.

So here’s a question for you: 𝐖𝐡𝐚𝐭’𝐬 𝐨𝐧𝐞 𝐭𝐡𝐢𝐧𝐠 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐚𝐜𝐜𝐨𝐦𝐩𝐥𝐢𝐬𝐡 𝐛𝐞𝐟𝐨𝐫𝐞 𝐭𝐡𝐞 𝐲𝐞𝐚𝐫 𝐞𝐧𝐝𝐬?

Not 10 things. Not 5 things. 𝐉𝐮𝐬𝐭 𝐨𝐧𝐞.

Write it down. Then put it somewhere you’ll see it often—a place that reminds you, every day, what you’re working toward.

𝐎𝐧𝐞 𝐠𝐨𝐚𝐥. 𝐅𝐨𝐮𝐫 𝐦𝐨𝐧𝐭𝐡𝐬. 𝐋𝐞𝐭’𝐬 𝐦𝐚𝐤𝐞 𝐢𝐭 𝐡𝐚𝐩𝐩𝐞𝐧.

08/07/2026

Retirement isn't the finish line. It's potentially the longest chapter of your life.
If you could plan a career for 30 years, why not plan the next 30 years with the same intention?
Our latest article explores what retirement can look like beyond your finances.

Workers often focus solely on their retirement savings balance. But figuring out how you want to spend the rest of your life could be job No. 1.

07/30/2026

You’re not just organizing finances—you’re protecting a lifetime.
In our latest article, Porter + Guide offers a clear, decisive checklist to guide the way.

“Lead with love, not logistics.” When it comes to helping aging parents with money, your mindset can make all the difference.

07/27/2026

At Porter + Guide Wealth Management, we believe retirement planning isn’t about checking a box—it’s about designing a life. A life filled with purpose, flexibility, and the freedom to pursue what matters most to you.

That’s why we don’t use templates. We build resilient, personalized retirement strategies designed to adapt as your life evolves.

Your ambitions are unique. Your plan should be too.

Our team of experienced professionals works alongside you to craft a portfolio that reflects your priorities, your timeline, and your definition of success—not someone else’s.

Because true confidence in retirement doesn’t come from chasing returns—it comes from having a strategy built to endure.

Let’s design a customized retirement plan that grows with you.

07/26/2026

The rides. The sacrifices. The quiet moments you didn’t notice.
That’s what built who you are.
Take 30 seconds:
Send the text. Make the call. Say the words.
Because one day… you’ll wish you had.

07/22/2026

The biggest force shaping oil prices may not be supply, but demand. As China's economy slows, the market narrative is beginning to shift.

Porter + Guide shares what investors should be watching next.
https://www.porterandguide.com/weekly-market-commentary/china-holds-keys-to-post-war-oil-prices