CapstoneWealth

CapstoneWealth At CapstoneWealth, our purpose is to enlighten, streamline, and fortify your retirement decisions.

http://mycapstonewealth.com

https://podcasts.apple.com/us/podcast/live-rich-the-capstone-strategy/id1824253561

09/05/2026

Friday Power Hour 💪✨

Some of the best conversations happen when strong women come together to learn, challenge each other, and share ideas.

Today I had the opportunity to connect with an incredible group of female financial advisors from across the country to sharpen our knowledge, exchange best practices, talk strategy, and learn from one another.

At CapstoneWealth, we believe in constant improvement. We never want to stop learning, growing, or finding better ways to serve the families who trust us with their financial futures.

Better advisors. Better ideas. Better outcomes for our clients. ❤️

Here’s to women supporting women, pushing each other to grow, and raising the bar together! 🙌🏻📈🎉💃🏻

Before you withdraw from a Roth IRA, know what you’re actually taking out.Contributions, conversions, and earnings can h...
09/04/2026

Before you withdraw from a Roth IRA, know what you’re actually taking out.

Contributions, conversions, and earnings can have different tax implications. A quick check today can help you avoid unexpected consequences tomorrow.

Know Before You Withdraw.



09/03/2026

What a special day at CapstoneWealth! 🎉

After 29+ years of hard work and dedication, our amazing client Kat is officially RETIRED! ❤️

Now it’s time for the fun stuff. More bike rides, more hiking, more camping, more adventures, and a whole lot more time doing the things she loves. 🚲🥾🏕️

This is one of our favorite parts of what we do. We get to work behind the scenes so our clients can get out there, enjoy life, make memories, and let us worry about the financial stuff.

Kat, you have worked so hard for this chapter, and you deserve every second of it!!!!

Let the adventures begin! 🎉🙌🏻🫶🏻

Think a Roth IRA is simply “tax-free”? Think again.Roth IRAs have two different five-year rules, and understanding the d...
09/03/2026

Think a Roth IRA is simply “tax-free”? Think again.

Roth IRAs have two different five-year rules, and understanding the difference can help you avoid costly withdrawal surprises.

Know the Rules. Plan Smarter.



A $1 million portfolio doesn’t automatically mean a $1 million retirement lifestyle.Taxes, withdrawal strategy, income s...
09/02/2026

A $1 million portfolio doesn’t automatically mean a $1 million retirement lifestyle.

Taxes, withdrawal strategy, income sources, and investment risk can all shape what your money can actually support.

Plan for the Income, Not Just the Balance.




09/01/2026

Roth IRAs Have TWO Five-Year Rules

🔹 Rule #1: Roth Earnings
• Your first Roth IRA starts one five-year clock
• After five years AND age 59½, your earnings can generally be withdrawn tax-free
🔹 Rule #2: Roth Conversions
• Each conversion starts its own five-year clock
• If you withdraw converted money before five years AND you are under age 59½, you may owe a 10% penalty
🔹 Already 59½ or older?
• You generally do not have to wait five years to withdraw the amount you converted
• But your Roth must still satisfy the first five-year rule before the earnings are tax-free
The bottom line: The five-year rules are different depending on your age and the type of money you withdraw.

As always, reach out to us before making a decision.

📞 CapstoneWealth: 352-850-7392

For educational purposes only. Consult your financial or tax professional regarding your individual circumstances.

You diversify your investments why not your tax exposure?A mix of tax-free, tax-deferred, and taxable accounts can give ...
09/01/2026

You diversify your investments why not your tax exposure?

A mix of tax-free, tax-deferred, and taxable accounts can give you more flexibility when planning retirement income.

Build a More Flexible Retirement Strategy.



What happens if tax rates change before you retire?Today’s tax advantage doesn’t guarantee tomorrows tax rate. Tax diver...
08/31/2026

What happens if tax rates change before you retire?

Today’s tax advantage doesn’t guarantee tomorrows tax rate. Tax diversification can give you more flexibility and control over your retirement income.

Plan for More Than One Tax Future.



08/29/2026

At CapstoneWealth, we definitely put in the work! 💪🏼

But this is our version of TGIF! 🎉

We had an incredible night educating retirees about how creating their own retirement paycheck can completely change the investing game.

⏳ During our working years, time was our friend. If the market fell, we could wait for it to recover.

🏖️ In retirement, the goal changes. Now it is time to:

✈️ Travel
💰 Enjoy your money
❤️ Give to the people and causes you love
🎯 Put your wealth to work with purpose
📬 Create a reliable retirement paycheck

We teach retirees how to make their money support the life they worked so hard to build, and we genuinely have so much fun doing it!

Do we work hard? Absolutely.
Does it feel like work on nights like this? Not even a little. ❤️

Your IRA balance isn’t always your spendable retirement wealth.Taxes, RMDs, and Medicare premiums can impact what you ac...
08/28/2026

Your IRA balance isn’t always your spendable retirement wealth.

Taxes, RMDs, and Medicare premiums can impact what you actually keep. Understanding the after-tax picture can help you make smarter retirement decisions.

Plan Beyond the Balance. Talk to an Expert.



Address

11031 N US Highway 301, Ste 103
Oxford, FL
34484

Telephone

+13528507392

Website

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