Tandon Dorn CFP, CHFC, RICP, TPCP, 1121 N 102nd Court, Omaha, NE (2026)

Cetera Investors is a marketing name of Cetera Investment Services. Securities and Insurance Products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member

FINRA/SIPC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services are only offered by Investment Adviser Representatives. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency. Confidential: This email and any files transmitted with it are confidential, and are intended solely for the use of the individual or entity to whom this email is addressed. If you are not one of the named recipient(s) or otherwise have reason to believe that you have received this message in error, please notify the sender and delete this message immediately from your computer. Any other use, retention, dissemination, forward, printing, or copying of this message is strictly prohibited.

07/06/2026

“Financial Freedom” gets thrown around a lot in our industry. Usually it lands somewhere between a beach photo, a retirement countdown, and a calculator telling you how big your portfolio needs to be.

With America celebrating 250 years, it feels like a good time to revisit what that phrase actually means.

Because financial freedom is not just having a large portfolio at retirement. In some cases, a large portfolio can actually create more stress: more accounts to manage, more tax decisions, more estate questions, more uncertainty around how much can safely be spent, and more concern about making the wrong move.

The freedom we tend to see is different. It usually comes when someone has a plan they understand and feel confident in. A plan that connects:

• Their investment portfolio
• Their income strategy
• Their tax plan
• Their estate plan
• Their cash flow needs

That is when the conversation changes. Not just, “How much do we have?” But:

• Where will income come from?
• How will taxes affect it?
• What happens if one of us passes away?
• How much can we spend and still feel comfortable?
• What do we want this money to do for us and our family?

That is the version of financial freedom we have found actually matters. Not a certain portfolio number on a statement, but a plan that helps turn that portfolio into clarity, confidence, and better decisions when life changes.

06/15/2026

Where is the money actually flowing today, and where will it come from in retirement?

That is the heart of cash flow planning. It is not just tracking expenses. It is understanding how income, savings, taxes, investments, and future withdrawals all connect.

That question applies in a lot of situations:

• A young family deciding how much cash to keep.
• A business owner planning around uneven income.
• A couple preparing for retirement.
• A retiree deciding which account to withdraw from.

Once the flow of money is clear, the strategy usually becomes more focused:

• Should income come from a brokerage account, IRA, Roth, or business distribution?
• Should more cash stay liquid or be invested?
• Should gains be realized this year or later?
• Should assets be spent during life or preserved for heirs?

Good planning often starts with cash flow because cash flow connects everything else:

Taxes. Investments. Retirement income. Estate decisions.

Before choosing a strategy, it helps to understand how the money moves.

06/02/2026

Something we’ve noticed lately. A lot of people feel financially "stuck" right now and its not because things are going badly.

Most are actually doing a lot right:
• good careers
• decent savings
• low mortgage rates
• growing assets

But almost every decision feels harder than it did a few years ago:
• Move or stay?
• Keep the house or rent it out?
• Invest more or hold cash?
• Retire soon or work longer?

It feels like people are trying to make the “perfect” financial decision in an environment where every option has tradeoffs.

Most of the time, good financial planning isn’t about finding the perfect answer. It’s about creating flexibility in your initial decisions so you can pivot when life happens, tax laws change, estate rules evolve, or markets pull back.

This mindset shift alone can reduce a lot of financial stress.

05/04/2026

Something we’ve been noticing as we review 2025 tax returns.

There are a number of planning opportunities showing up that simply weren’t there in previous years.

A lot of that is tied to recent tax law changes, but more importantly—it’s how those changes are interacting with real-world situations.

What’s interesting is that many of these opportunities don’t come from doing something new.

They come from:
• timing income differently
• using accounts more intentionally
• coordinating decisions across tax, investment, retirement planning, and estate.

In other words, the rules didn’t just change, the planning window changed.

So for the next OWM Planning Guide, we pulled together a few areas where we’re seeing the most opportunity right now.

03/31/2026

A situation that’s coming up more often lately.

You bought a home a few years ago and locked in a great interest rate…

Now you’re thinking about moving — but instead of selling, you’re considering keeping it as a rental to take advantage of the low interest rate for longer.

There’s one tax rule worth knowing before making that decision.

If you lived in the home for at least 2 of the last 5 years, you may still qualify for the capital gains exclusion when you sell it.

That creates a planning opportunity:

In some cases, you can move out, rent the home for a few years, and still sell it while preserving that tax benefit.

A common strategy is to keep the rental period under ~3 years, so you stay within that 5-year window.

But timing is everything.

Wait too long, and that opportunity can disappear.

So what looks like a real estate decision often becomes a planning decision:

• Keep it as a rental for a period of time
• Sell within the eligibility window
• Balance rental income vs. potential tax savings

There isn’t one right answer.

But this is one of those situations where understanding the rules before making the move can make a meaningful difference.

Address

1121 N 102nd Court
Omaha, NE
68114

Telephone

+14023475379

Website

https://owm.ceterainvestors.com/

Alerts

Be the first to know and let us send you an email when Tandon Dorn CFP, CHFC, RICP, TPCP posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Tandon Dorn CFP, CHFC, RICP, TPCP