David Haik - DMH Financial Solutions

David Haik - DMH Financial Solutions Securities offered through Sigma Financial Corporation, Member FINRA/SIPC.

Investment Advisory services offered through Sigma Planning Corporation, a registered Investment Advisor. DMH Financial Solutions is independent of Sigma Financial Corporation and Sigma Planning Corporation.

05/29/2026

3 small shifts for a more intentional day 👇

Start your morning without immediately checking your phone—give yourself a few quiet minutes first.

Build a short pause between tasks to reset and refocus.

Plan one thing to look forward to—it doesn’t have to be big.

Simple changes, but they can make your day feel a lot more in your control.

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public schoo...
05/29/2026

According to a Fidelity article, for the ‘25-’26 school year, the average published all-in cost at a 4-year public school for out-of-state students is $45,780, and the average private school costs $60,920.

So, because today is 529 Day (it’s 5/29, get it? 😂), it’s a good time to revisit one of the most flexible tools for tackling those numbers.

What 529 plans actually do:

📚 Tax-free growth and tax-free withdrawals for qualified education expenses. State tax treatment will vary, and so will fees and expenses.

📚 Use them for college, trade school, K-12 tuition, and apprenticeships. A 529 can even repay up to $10,000 in student loans.

📚 Whether a 529 qualifies for a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws.

📚 Superfund up to $95,000 in a single year by using five years of gift tax exclusions at once. But remember if you make nonqualified distributions, earnings will be subject to income tax and a 10 percent federal penalty tax.

📚 Minimal impact on financial aid—parent-owned 529s are assessed at a maximum rate of 5.6 percent.

Grandparents, parents, aunts, or uncles can contribute.

And starting in 2026, the K-12 annual withdrawal limit doubles to $20,000.

The best time to start was years ago. The second-best time is now.

Most parents think the last tuition check means game over for college. The data says it's halftime.50 percent of parents...
05/28/2026

Most parents think the last tuition check means game over for college. The data says it's halftime.

50 percent of parents with adult children still provide regular financial support, spending $1,474 a month to do so. That's more than twice what they're putting toward their own retirement.

Here's what "just helping out a little" actually looks like:

✅ 75 percent of parents aged 45+ are financially supporting at least one adult child, even though over half of those children can meet their own basic needs, according to a 2025 AARP survey.

✅ 42 percent of supporting parents report financial stress. 9 percent have retired early because of it.

✅ 47 percent say they've sacrificed their own financial position for the sake of their kids.

✅ 18 percent say the support could continue indefinitely. They don't see an end in sight.

This isn't about being less generous. It's about being intentional.

Whether your kid just graduated, graduated five years ago, or is still in school, the question is the same: Is your support happening by design or by default?

That's worth a conversation.

Does your closet need an overhaul? Follow these simple steps to downsize your wardrobe.
05/27/2026

Does your closet need an overhaul? Follow these simple steps to downsize your wardrobe.

Looking to incorporate a timeless color combination into your bedroom, bathroom, or living area?Use soft sage greens and...
05/25/2026

Looking to incorporate a timeless color combination into your bedroom, bathroom, or living area?

Use soft sage greens and grays to bring nature in and create a feeling of calmness in your space!

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.Today, we rem...
05/25/2026

Yes, Memorial Day marks the unofficial start of summer. But let's not forget what this day is really about.

Today, we remember those who gave everything. The men and women who served and never came home.

Some of us knew them. Some of us are here because of them.

However you spend today, take a moment to pause. Enjoy the long weekend, but hold space for what it actually means.

To the families carrying that loss: we honor them with you.

05/23/2026

Rediscover the hobbies that make you feel like you again. 🎨✨

Here are 3 simple ways to get started:
1️⃣ Take a mini class — try something new without the long-term commitment
2️⃣ Join a community — hobbies are more fun when shared
3️⃣ Schedule it in — make time for what brings you joy

A little time spent doing what you love can make a big difference. What hobby are you bringing back? 🎯

Without action, nothing would get done!
05/21/2026

Without action, nothing would get done!

05/21/2026

Cap and gown season is here. 🎓

A BIG CONGRATULATIONS to every graduate walking across a stage this month! 🥳 🥳

The late nights, the stress, the uncertainty about what comes next have all led to this moment.

To the parents and grandparents in the audience pretending they're not emotional: we get it. ❤️

For the new grads, a few things to consider as you start this next chapter:

➡️ Start investing as early as possible, even if it's small. Time is the one advantage you won't get back.

➡️ If your employer offers a retirement plan with a company match, take it. It's free money.

➡️ Build an emergency fund before you worry about investing. Three months of expenses is a good first goal.

➡️ Understand your student loans: what you owe, the interest rates, and when payments start.

➡️ Your first budget doesn't have to be perfect. It just has to exist.

The financial habits you build now will help form the foundation for your future.

Congrats, Class of 2026. 👏

Traveling is all about immersing yourself in a new culture, and what better way to do that than through food? - https://...
05/20/2026

Traveling is all about immersing yourself in a new culture, and what better way to do that than through food? - [email protected]" rel="ugc" target="_blank">https://content.essentialengine.com/how-to-eat-like-a-local-anywhere/?wpcf-email=[email protected]

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6424 W 101st Place
Overland Park, KS
66212

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+19139445423

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