Anthony Gerardot, CFP, APMA, CKA

07/20/2026

07/19/2026

Medicare looks back two years when determining certain premiums.

So a Roth conversion, sale of appreciated investments, or large retirement withdrawal may improve the long-term plan while also increasing Medicare costs for a period of time.

That does not make the move wrong. It makes timing and coordination more important.

Before making a major income decision, it may be worth reviewing the Medicare impact too.

You may have mis-typed the URL or simply clicked on a broken link or QR code. Bitly links are CAse SeNsiTivE, so double check that everything is correct and try again.

07/17/2026

Proud to be part of a firm recognized among the best.

Ameriprise Financial was named one of TIME’s America’s Best Companies of 2026 — a recognition that reflects the dedication of our people, our commitment to clients and the values that guide how we do business every day.

We're proud to build our practice with a firm that prioritizes integrity, supports advisors, and is dedicated to helping clients achieve their financial goals.

Learn more about what sets Ameriprise apart: https://bit.ly/3df9a5L

07/16/2026

As we head into the second half of 2026, Ameriprise Financial experts break down key market and economic trends shaping the investment landscape.

07/15/2026

While no one can predict the future, we can work together to help protect you from unexpected events. Reach out to schedule a meeting.

07/10/2026

New Fed chair. New uncertainty. Same planning lesson.

The question is not whether the Fed cuts, hikes, or holds.

The better question is whether your plan can handle more than one outcome.

Lower rates may help borrowers. Higher rates may help savers. A long pause may change the math for cash, bonds, real estate, business loans, and retirement income.

But none of those scenarios should be the only way your plan works.

Good planning is not about making the perfect Fed prediction.

It is about being prepared if the prediction is wrong.