Forge Wealth Management

10/24/2026

You’ve been saving for retirement for decades. Now Uncle Sam wants a piece of the pie! 🥧

That’s Regina’s way of explaining why Required Minimum Distributions, or RMDs, exist.

When you contribute to a traditional retirement account, those contributions are generally made with pre-tax dollars. But eventually, the IRS requires you to begin withdrawing some of that money so it can be taxed.

In this clip, Regina breaks down the reasoning behind RMDs without all the complicated financial terminology.

And while you may not need to begin taking these distributions for years, understanding how they work can help you prepare for the tax implications of retirement.

Because retirement planning isn’t just about how much you save. It’s also about understanding what happens when you start taking that money out.

10/23/2026

Not too hot. Not too cold. Just right for fancy hats… and pretending holiday spending isn’t right around the corner. 😂

10/22/2026

You’ve spent years building your retirement savings. Do you have a plan for using them?

For many people, the focus of retirement planning shifts once they stop working. Instead of asking how much to contribute, they’re asking when to withdraw, which accounts to use, and how those decisions may affect their taxes.

Required Minimum Distributions (RMDs) are just one piece of that puzzle.

Regina McCann Hess helps clients look at the bigger picture, bringing together retirement income, taxes, and long-term financial goals to develop a thoughtful strategy for the years ahead.

Approaching retirement or wondering how to manage your withdrawals? Contact Regina to start a conversation about your retirement plan: https://www.forgewealth.com/contact

10/21/2026

What happens when the IRS tells you it’s time to start withdrawing money from your retirement savings?

That’s where 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗱 𝗠𝗶𝗻𝗶𝗺𝘂𝗺 𝗗𝗶𝘀𝘁𝗿𝗶𝗯𝘂𝘁𝗶𝗼𝗻𝘀, better known as RMDs, come into play.

In the latest episode of 𝘞𝘰𝘮𝘦𝘯 & 𝘞𝘦𝘢𝘭𝘵𝘩, Regina McCann Hess breaks down this important retirement planning topic in a way that’s easy to understand.

She explains when RMDs begin, how much you may be required to withdraw, and what happens if you miss a distribution. She also explores something many retirees don’t anticipate: how those withdrawals can affect income taxes and Medicare premiums.

Whether you’re approaching retirement or already enjoying it, understanding RMDs can help you make more informed decisions about your financial future.

Watch or listen to Regina’s latest episode:

📺 YouTube: https://youtu.be/5y5MrdUhTQc
🎧 Spotify: https://open.spotify.com/show/2TxG4m8fvpxyMrI644qmgZ
🎧 Apple Podcasts: https://podcasts.apple.com/us/podcast/women-wealth/id161378086

Required minimum distributions (RMDs) are an important part of reti...

10/20/2026

Use these ice breakers.

10/17/2026

Putting your retirement first can feel selfish when you have kids. But I’d encourage parents to look at it differently.

Think about the instructions you hear every time you get on an airplane. If the oxygen masks come down, you put yours on first and then help the person next to you.

Preparing for retirement works much the same way. Taking care of your own financial future doesn’t mean you aren’t helping your children. It means figuring out what you can reasonably do for them without putting your own retirement at risk.

You may be able to pay for 25% of college, 50%, or more. You may help them establish a 529 and invite family members to contribute. There are different ways to help.

The important thing is not to jeopardize your own future because you feel like being a good parent means paying for everything.

10/16/2026

Financial wisdom of the day: If you didn’t need it, “free” didn’t save you anything. 😂

10/15/2026

Helping your kids and protecting your own financial future don’t have to be competing goals.

For parents, it can be difficult to put retirement savings ahead of college savings. We naturally want to give our children a great start and help them avoid taking on more debt than necessary.

But every family’s ability to help with college will look different. Fully funding four years isn’t the only measure of success. Contributing what you reasonably can while continuing to prepare for your own retirement can be a thoughtful way to support both generations.

As Regina McCann Hess recently shared with Josh Sidorowicz of CBS Philadelphia, think of it like the oxygen-mask instructions on an airplane: take care of your own financial foundation, then determine how you can help your children.

It doesn’t have to be all or nothing.

10/14/2026

Retirement or your kids’ college. Which should come first?

As a parent, that can be a difficult question. We want to give our children every opportunity we can, but we also have to prepare for a future when our own paycheck eventually stops.

Regina McCann Hess recently joined Philadelphia consumer reporter Josh Sidorowicz on the 𝘐𝘯 𝘠𝘰𝘶𝘳 𝘊𝘰𝘳𝘯𝘦𝘳 podcast to talk about how families can approach both goals.

They discussed why retirement generally needs to be the first priority, how employer matches and automatic contributions can help, why starting a 529 early can make a difference, and some creative ways family members can help contribute to college savings.

The good news is that this doesn’t necessarily have to be an either-or decision. With a thoughtful plan, you can prepare for your own retirement while still deciding how much support you can reasonably provide for your children’s education.

🎥 Watch the full conversation with Josh here: https://youtu.be/M6hFHoU6yhY
🎧 Listen on Spotify: https://open.spotify.com/show/2TxG4m8fvpxyMrI644qmgZ
and Apple Podcasts: https://podcasts.apple.com/us/podcast/women-wealth/id1613780867

10/13/2026

Dive into more purposeful money talks with ease.