Olga Storojuc

Olga Storojuc Retirement income projection, strategy and advice; Asset allocation, portfolio review; Life Insurance

💡 A Roth conversion – good or bad?Imagine two neighbors, John and Sarah. They each convert $50,000 from a Traditional IR...
08/12/2026

💡 A Roth conversion – good or bad?

Imagine two neighbors, John and Sarah. They each convert $50,000 from a Traditional IRA to a Roth IRA.

✅ For John, it makes sense because he's in a lower tax bracket this year and expects to pay higher taxes in retirement.

❌ For Sarah, that same conversion pushes her into a higher tax bracket and increases her Medicare costs. She ends up paying more than she needed to.
The lesson? The same strategy can lead to very different results.

🤔 A Roth conversion is permanent - you can't undo it - so it's important to look at your entire financial picture before making the decision. That's where thoughtful planning can make all the difference.

☎️ We're here to help if you'd like to see whether it makes sense for your situation.

💰 Did you know your investments may be able to help reduce your tax bill? 💰☝🏼 With Direct Indexing, your portfolio owns ...
07/24/2026

💰 Did you know your investments may be able to help reduce your tax bill? 💰

☝🏼 With Direct Indexing, your portfolio owns individual stocks instead of a single index fund. That means if one stock temporarily drops in value, it may create an opportunity to harvest a tax loss that can help offset capital gains - without changing your overall investment strategy.

💸 It also gives you more flexibility to manage when capital gains are realized, potentially helping you keep more of your money invested and working for you.
This is one of the advanced investment strategies we offer to clients who may benefit from it.

📩 Curious if Direct Indexing is right for you? Let’s talk!

Disclosure: All investment strategies have the potential for profit or loss. There can be no guarantee that any investment or strategy will be suitable or profitable for a client's portfolio. Content should not be viewed as an offer to buy or sell any of the securities mentioned or as tax advice. You should always consult a tax professional regarding your specific legal or tax situation.

💰 The most powerful ingredient in building wealth isn't a hot stock tip - it's time.Meet two friends: Jane and Jill.🙎🏻‍♀...
06/12/2026

💰 The most powerful ingredient in building wealth isn't a hot stock tip - it's time.

Meet two friends: Jane and Jill.

🙎🏻‍♀️ Jane starts investing at age 19. She contributes $2,000 per year for just 8 years, investing a total of $16,000, and then stops.

👱🏼‍♀️Jill waits until age 27. She contributes $2,000 per year for the next 39 years, investing a total of $78,000.

Assuming tax-deferred assets (1) with a 10% average annual return, by age 65:
✨ Jane has about $1,035,000
✨ Jill has about $883,000

Wait... what?! Jane invested $62,000 less than Jill, yet ended up with more money.

⏳ Why? Because Jane gave her money something Jill couldn't buy later: time to compound.

💵 The biggest mistake many people make isn't choosing the wrong investment - it's waiting to get started.

🌱 Even small amounts invested early can potentially grow into something extraordinary over time.

☎️ Not sure where to start? Let’s talk!

(1) - Surplus, Interest, Debt: Personal Finance in a Nutshell by Dr. Michael D. McNiven

🤔 Are You Truly Ready for Retirement? A few things to consider: 👵🏼 Longevity: Many people retire earlier than planned du...
04/29/2026

🤔 Are You Truly Ready for Retirement? A few things to consider:

👵🏼 Longevity: Many people retire earlier than planned due to health or life changes - not by choice - which means retirement can last 35 years or more. That’s a long time for your money to keep working for you.

🏥 Healthcare costs: In retirement, healthcare expenses tend to increase and become a significant part of your overall budget.

✈️ Leisure & lifestyle costs: With more free time, staying active, social, and engaged often comes with additional spending on hobbies, travel, and activities.

☝🏼That’s why planning matters. The earlier you start, the more powerful compounding becomes Even small, consistent savings can make a big difference over time. Having a plan helps you retire on your terms.

💸 Retirement isn’t a number - it’s a strategy. If you’ve been putting it off, you’re not alone! But the best time to start is now.

☎️ Curious where you stand or how to build a plan that fits your life? I’m here to help - let’s chat!

🧐 What is the cost of waiting? Here you can see what it takes to hit a $1M mark by age 65. The longer someone waits to s...
02/11/2026

🧐 What is the cost of waiting? Here you can see what it takes to hit a $1M mark by age 65. The longer someone waits to start saving, the higher those monthly contributions have to climb. Time really is your best friend when it comes to investing!

☎️ If you are curious but don’t know where to start – let’s have a call!

(1) - -Finhabits - How much to save weekly to reach $1,000,000 if you’re under 40 https://www.finhabits.com/how-much-to-save-weekly-to-reach-one-million-if-youre-under-40/

Why Invest? 💸 Erosion of Purchasing Power 💸Inflation. It's like a sneaky leak in your wallet. Even at 3%, it cuts your m...
01/12/2026

Why Invest? 💸 Erosion of Purchasing Power 💸

Inflation. It's like a sneaky leak in your wallet. Even at 3%, it cuts your money’s buying power in half in about 25 years. So, that $100k? It’ll only feel like $47k later. (1) Pretty wild, right? If you are curious and don’t know where to start – give me a call, let’s chat!

1 - BlackRock.com - Feeling safe might be risky (Lit No. CD-RISK-1220)

Long-Term Care Reality Check 👀💸 70% of people over age 65 will need some type of long-term care. (1) (Home care, assiste...
11/14/2025

Long-Term Care Reality Check 👀

💸 70% of people over age 65 will need some type of long-term care. (1) (Home care, assisted living, or nursing care.) And the cost? Often $150,000+ per year.

‼️ Here is the link to a HALO longevity questionnaire if you want to get an estimated projection of your cost: https://halo.lumiant.io/advisor/olga-storojuc

🙀 If you plan to “self-pay,” all that money would come straight from your savings and investments. So if the market drops or care lasts longer than expected your retirement money can disappear fast.

🤔 What’s the alternative? Some people use long-term care insurance or hybrid life/LTC plans to protect their savings — so they don’t have to drain their retirement to pay for care.

☎️ Bottom line: Don’t leave this to chance. Make a plan before you need it. If you want, I can show the difference between paying out of pocket vs. having coverage in place. Very simple. No pressure. Just message me. 💬

1 - The LTC Self-Funding Trap - https://rethinking65.com/the-ltc-self-funding-trap/

💡 Roth vs. Traditional IRA - Which One Wins?Benjamin Franklin once said, “The only two things you can count on in life ...
10/13/2025

💡 Roth vs. Traditional IRA - Which One Wins?

Benjamin Franklin once said, “The only two things you can count on in life are death and taxes.” Luckily, a Roth IRA can help you with at least one of those. The big difference is when you pay taxes:

📘 Traditional IRA: Pay taxes later (you get a deduction now).
📙 Roth IRA: Pay taxes now, grow tax-free forever.

👉 Example: If you invest $1,250 in a Traditional IRA, you get a tax deduction upfront. After 10 years, if your money doubles to $2,500 and you withdraw it, you pay 20% tax - leaving you with $2,000 after taxes. If instead you pay that 20% tax today and invest the remaining $1,000 in a Roth IRA, after 10 years if it also doubles to $2,000 - and it’s completely tax-free. (1) Result: Both leave you with $2,000 if tax rates stay the same. That means:

📘 If your future tax rate is lower, a Traditional IRA may be smarter.
📙 If your future tax rate is higher, a Roth IRA wins.

Bonus Roth Benefits:
✅ No required withdrawals during your lifetime.
💸 Easier estate planning (heirs get tax-free growth if rules are met).
🛡️ Great hedge if tax rates rise in the future.
📉 Converting to a Roth in a “down income year” can make sense - you’ll pay less tax on the conversion.

☎️ Everyone’s situation is different - so before you decide, let’s talk!

1 - Roth IRAs: The Mathematics For High-Wealth Taxpayers
SEPTEMBER 1, 2023 • JOSEPH B. DARBY III - www.fa-mag.com/news/roth-iras--the-mathematics-for-high-wealth-taxpayers-74325.html

🛍️ Behind the designer bag: What’s the real cost of looking rich when you're not?🥵 It’s not about how much you own - it’...
09/10/2025

🛍️ Behind the designer bag: What’s the real cost of looking rich when you're not?

🥵 It’s not about how much you own - it’s about whether your spending choices support your future. Sometimes, instant treats come at the cost of lasting peace of mind. Social media and cultural pressures make us feel like we have to show success on the outside, even if things are tight on the inside.

💰 Take Care of Your Foundation - Start with a safety net: emergency savings and insurance. Direct a steady portion of income toward long-term needs.

📈 Choose Value That Lasts - Pause before buying: Does this truly improve my life - or just my image? Focus on essentials - housing, education, health.

🎼 Find Joy Beyond Shopping - Many of us shop out of boredom - so try new hobbies instead. Paint, cook, garden, volunteer, play sports, read - these fill your life with meaning and joy that lasts longer than a shopping bag.

🤓 And remember: talking to a financial advisor can feel a lot like talking to a trusted friend - someone who listens, understands, and helps you see the bigger picture.

☎️ If you’d like to chat more about it, I’m here - let’s talk!

💸 Roth IRA Conversion: Convert or Not Convert? 💸Roth conversion can be smart - but only if you account for the full pict...
06/11/2025

💸 Roth IRA Conversion: Convert or Not Convert? 💸

Roth conversion can be smart - but only if you account for the full picture:

💰 Your Current vs. Future Tax Rate - It often makes sense to convert in a year with a lower tax rate, especially if you anticipate being in a higher bracket later

📉 Take Advantage of Market Dips - If your investments have dropped in value - like during a market downturn - converting those assets to a Roth IRA means you’ll pay taxes on a lower amount. Then, when the market recovers, that growth happens inside the Roth and is completely tax-free.
👉 Example: If your IRA balance is down from $100K to $75K, converting now means you only pay taxes on $75K. When it grows back to $100K (and beyond), that extra $25K+ won’t be taxed again - ever.

⏳ Time Horizon Is Key - The real benefits show up if you let your Roth grow for many years (often decades) so you can offset the upfront tax cost

💵 Pay the Tax With Outside Funds - Ideally, don’t use IRA dollars to pay the conversion tax, so more money stays invested and compounding in your Roth

🏡 Estate Planning Perk - Roth IRAs aren’t subject to required minimum distributions during your lifetime, and they can be a tax-efficient legacy for heirs

☎️ Thinking of converting? Let’s chat to clarify if it fits your strategy!

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P. O. Box 122
Newport News, VA
27949

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