Monadnock Private Wealth

05/26/2026

Please join us in congratulating Ryan Gravina, CFP®, TPCP® on earning the Tax Planning Certified Professional® designation!

Ryan’s continued commitment to professional development reflects the thoughtful and personalized approach he brings to clients each day. He works closely with individuals and families to help navigate complex financial decisions, with a focus on incorporating tax-aware strategies into the broader financial planning process.

We believe effective wealth management extends beyond investment management alone. Tax-efficient planning can play an important role in supporting retirement income planning, estate considerations, charitable strategies, and long-term wealth preservation.

We’re proud of Ryan’s dedication to continuing education and his commitment to serving clients with professionalism, care, and attention to detail.

Learn more about our approach to tax-efficient wealth planning here: https://ow.ly/iYqF50Z3lih

04/27/2026

Please join us in congratulating our Managing Director, Carl J. Gravina, CFP® for being named a Forbes Best-in-State Wealth Advisor for a 6th consecutive year!

Learn more how Carl and his team serves clients in NH and across the country: https://ow.ly/iUro50YOuMg.

03/17/2026

We're growing.

We're excited to welcome Amanda Birt and Alexis Huntley to the Monadnock Private Wealth team.

Learn more about Amanda and Alexis, as well as the rest of our team here: https://ow.ly/9amJ50YoPqF

03/04/2026

The S&P 500 looks quiet this year. The underlying market is not. Beneath a calm index, opportunity is lurking.

While the index has traded within roughly 2.7%, the average company has moved about seven times as much. That level of dispersion creates a very different opportunity set than the headline suggests.

When we sit down with families who have meaningful taxable portfolios, this is where strategy becomes nuanced.

Instead of defaulting to a one-size-fits-all index fund, we look for situations where owning the individual companies makes sense — a structure known as Direct Indexing. It helps us to systematically harvest losses, manage embedded gains with intention, and adjust exposures around concentrated positions or legacy holdings, all within a disciplined framework.

For clients with significant unrealized gains, that flexibility is structural, not incremental, and it can help generate meaningful tax alpha.



For Important Disclosures click here: https://ow.ly/K7pC50YoPlm

Read more here: https://ow.ly/jSHV50YoPlP

01/26/2026

Tax filing season opens today. A few quick things we have on our radar:

• Seniors 65+ may qualify for an extra deduction on top of the standard amount.
• Filers in high-tax states may want to revisit itemizing vs. the standard deduction given a higher SALT cap for 2025.
• New car buyers may be able to deduct up to $10,000 of interest paid on qualifying new U.S.-assembled auto loans with details available on your annual interest statement from your lender.

A little review now can prevent surprises later. Read more at the link below:

https://ow.ly/8uBg50Y3IOi

10/23/2025

A quiet but important change is coming for high earners over 50.

Starting in 2026, catch-up 401(k) contributions for those earning $145,000+ must go into Roth accounts. No upfront deduction, instead after-tax growth if your plan allows.

This isn’t just a tweak. It’s a shift in how retirement planning and tax strategy intersect.

The real question: how do you balance today’s tax bill with tomorrow’s flexibility and legacy goals?

That’s the kind of planning we help clients work through every day.

The option to make pretax catch-up retirement contributions is going away for some savers age 50 and older.

10/16/2025

We are excited to share that we have officially opened our new office at 149 Emerald St, Suite B in Keene, NH.

Thank you to Steward Partners for your continued support, DB Architects for the outstanding design work, and Bergeron Construction for bringing it all to life.

We look forward to welcoming clients and friends soon.

10/01/2025

🎉 Medicare Open Enrollment Is Almost Here! 🩺

📅 October 15 – December 7

It’s time to review your Medicare coverage and make sure it still meets your needs for 2026. During this period, you can:

✅ Switch between Original Medicare & Medicare Advantage
✅ Change or join a Medicare Part D (prescription drug) plan
✅ Review your current plan to ensure it still fits your health & budget

💬 Need help? We have partnered with ClearMatch and Chapter to help you navigate the enrollment process.

09/26/2025

🌾 An Unforgettable Evening, Thanks to You! 🌾

Our Farm-to-Table Dinner was a beautiful night of connection, community, and laughter at Stonewall Farm.

From the delicious locally-sourced dishes by The Porch Too and Saxy Chef, LLC to the market updates from First Trust, every moment reflected the values we share with our incredible clients.🌿

📸 Swipe to see some of the evening’s highlights!

09/23/2025

Please join us in congratulating our Senior Client Administrative Manager, Lena Kridlo, and her fiancé, Nate, on their engagement over the weekend!

09/09/2025

Qualified Charitable Distributions (QCDs) are more than just a charitable tax break for seniors…

They are a powerful tool to connect generosity, tax efficiency, and long-term planning.

By reducing taxable income directly, not through deductions as would traditional charitable contributions, QCDs provide a benefit to seniors regardless of whether they itemize.

For many, this also helps manage IRMAA surcharges on Medicare premiums, making gifts even more impactful.

We work with families to guide decisions in support of the bigger picture of their plan and their legacy.