Larchmont Wealth Management

Larchmont Wealth Management 🚨Get a no cost retirement readiness score from my team with the link in bio! Financial advisor, 📚 Financial education for smarter wealth-building.

I’m Pat, the Founder of Larchmont Wealth and a Larchmont resident. Over time, I have seen that most people struggle with their financial plans; either cobbling together a do-it-yourself approach, or alternatively getting “cookie cutter” service from larger advisory firms. I saw an opportunity to use my experience managing investments to help people take control of their financial futures. I believ

e there is a way to have the security and diverse product availability that comes with using the clearing platform of one of the largest financial firms on the planet (RBC) coupled with a tailored, local approach that gives you more control over your finances.

07/14/2026

Saving in a 401(k) or IRA is a great move, but too much tax-deferred money can quietly turn into a future tax problem. The years after you retire, but before RMDs start, can be one of the best chances to move money into a Roth at lower tax rates. If you skip that window, the IRS may force larger withdrawals later whether you need the money or not. That can mean higher taxes, higher Medicare premiums, and less flexibility in retirement. The goal is not to avoid taxes forever — it’s to pay them strategically.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

07/08/2026

Saving in a 401(k) or IRA is a great move, but too much tax-deferred money can quietly turn into a future tax problem. The years after you retire, but before RMDs start, can be one of the best chances to move money into a Roth at lower tax rates. If you skip that window, the IRS may force larger withdrawals later whether you need the money or not. That can mean higher taxes, higher Medicare premiums, and less flexibility in retirement. The goal is not to avoid taxes forever — it’s to pay them strategically.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/25/2026

Taking too little risk in your retirement portfolio can feel safe, but it can actually create a different kind of danger. It’s like driving 10 mph on the highway. You may feel cautious and protected, but everyone else is moving much faster around you. Over time, inflation, taxes, and missed growth can put your retirement goals at risk. Sometimes, playing it too safe is the risk.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/16/2026

A peace deal with Iran could matter more than people think. If tensions cool down, oil prices could ease, gas and shipping costs could come down, and that can help take pressure off inflation. For retirement investors, lower inflation and lower rate pressure can create a much healthier environment for long-term portfolios.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/15/2026

IULs aren’t magic. They’re tools.

Indexed Universal Life insurance is often marketed like it gives you market upside, downside protection, tax advantages, and life insurance all in one.

But the reality is more nuanced.

Potential pros:
• Permanent life insurance protection
• Cash value growth potential tied to an index
• Downside protection through a crediting floor
• Tax-deferred cash value growth
• Potential tax-advantaged access through properly structured policy loans and withdrawals
• Flexible premiums, assuming the policy remains properly funded
• Can be useful in certain estate, business, or supplemental retirement income strategies

Potential cons:
• Higher costs, insurance charges, and potential surrender charges
• You are not directly invested in the market
• Growth is limited by caps, spreads, participation rates, and policy expenses
• Caps and participation rates can change over time
• The floor protects the index crediting rate, not necessarily the full policy value after charges
• Policy loans accrue interest and can reduce the death benefit
• If loans are mismanaged or the policy lapses, there can be tax consequences
• Poor fit if you need early liquidity or haven’t addressed simpler planning options first

Bottom line: IULs can be useful in the right situation, but they are not a shortcut to wealth.

The structure, funding level, time horizon, costs, and ongoing management all matter.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/11/2026

A market crash at age 45 and a market crash at age 62 are not the same event.
At 45, you likely still have time, income, and future contributions on your side. A downturn can be painful, but it may also create opportunities to buy more shares at lower prices, continue investing, and let compounding work over the next 15–25 years.

At 62, the situation can be very different. You may be close to retirement, already retired, or preparing to draw income from your portfolio. A major downturn at that stage can force you to sell assets while they are down, which can permanently damage the longevity of your retirement plan.

This is why investment strategy should evolve over time. The portfolio that made sense when you were aggressively building wealth may not be the right portfolio when you are preparing to live off that wealth.

Risk is not just about how much the market can fall. It is also about when it falls, how much time you have to recover, and whether you need income from the portfolio during the downturn.
The goal is not to avoid every market crash. The goal is to build a plan that can survive them.

Disclaimer : Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/11/2026

Comment social for our SSB playbook!

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/10/2026

After 23 years as a financial advisor, I’ve learned that every strong retirement plan comes down to three things. Retirement readiness is not just about how much you have saved; it is about how well your money is positioned to support the life you want.

Comment READY and I’ll send you this week’s Retirement Readiness item.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/09/2026

At some point, your life savings has to become more than a number on a screen. It has to become income you can rely on, month after month, so you can live the life you worked so hard to build. The real question is: do you have a plan for turning your portfolio into a paycheck without running out too soon?

Comment “income” and I’ll send you what to think about before retirement.

Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

06/09/2026

IRMAA stands for Income-Related Monthly Adjustment Amount. It is an extra charge added to Medicare Part B and Part D premiums when your income is above certain thresholds. Many retirees are surprised by IRMAA because it is based on your tax return from two years prior. Large Roth conversions, capital gains, business income, or investment sales can accidentally push you into a higher IRMAA bracket. Understanding IRMAA ahead of time can help you plan withdrawals, taxes, and Medicare costs more strategically.

Comment IRMAA for the playbook!

Disclaimer : Disclaimer: The information discussed should not be construed as tax, legal or investment advice. It is for informational purposes only and should not be taken as a recommendation or solicitation. Prior to making any financial decision, individuals should seek advice from personal financial, legal, tax and other professionals. Investment products are offered through Aegis Capital Corp, a member of FINRA and SIPC. Investment products are not insured by the FDIC or any other federal government agency, are not deposits or other obligations of, or guaranteed by, a bank or any bank affiliate, and are subject to investment risks, including possible loss of the principal amount invested.

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Larchmont, NY

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+19143159784

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