Kingsview Partners - Chris Walsh

09/24/2026

A rollover decision can change when you are able to use your retirement money.

If you separate from service during or after the calendar year you turn 55, withdrawals from that employer’s 401(k) may qualify for an exception to the 10% additional tax on early distributions. Ordinary income tax can still apply, and the plan must permit the withdrawal.

That age-55 exception generally does not follow the money into an IRA.

An IRA may offer advantages of its own. The decision should be measured against the income you may need before age 59½, not treated as automatic paperwork after retirement.

Ask Her walks through access, rollovers, Roth rules, RMDs, employer stock, and beneficiary planning. Before moving the account, know which options the move would preserve and which it would close.

09/23/2026

The Federal Reserve’s latest rate hike reflects a familiar challenge: monetary policy can respond to inflation, but it cannot directly address the underlying forces driving it.

With higher oil prices contributing to persistent inflation, the Fed raised rates by 0.25% in September. For investors, the bigger takeaway is that Fed decisions are only one part of a much broader economic and market environment.

History shows that markets have continued to grow through countless rate changes, economic shocks, and periods of uncertainty. Staying focused on long-term goals and maintaining a balanced portfolio can be more important than reacting to each Fed decision.

Read this week’s to learn more:

An important yet counterintuitive issue for investors is that long-term interest rates have risen despite the Fed’s latest cuts. Why is this happening and how does it impact investor portfolios?

09/21/2026

Just entering retirement? Here's what you need to know.

Regardless of how you approach retirement, there are some things about it that might surprise you.

09/17/2026

Reaching the annual 401(k) limit early can create an unexpected problem.

Some employers calculate their match one paycheck at a time. If you hit the contribution limit before the final payroll of the year, your later paychecks may have no employee contribution for the employer to match.

A year-end true-up can restore the difference. Not every plan offers one.

Before front-loading contributions or increasing your payroll percentage, ask the plan administrator three questions:

• Is the match calculated per paycheck or across the full year?
• Does the plan provide a true-up contribution?
• Must I be employed on a certain date to receive it?

The 2026 employee contribution limit is $24,500 before any eligible catch-up contribution. How you reach that number can matter as much as the number itself.

Through Ask Her, explore current limits, Roth catch up rules, fees, investment choices, and plan features worth reviewing.

09/16/2026

The stock market is broader than the major indices suggest. While headlines often focus on large cap growth stocks and artificial intelligence, other areas of the market can perform very differently.

This year, value stocks, small cap companies, and international markets have outperformed in several areas, with valuations that are generally more attractive than those of the largest U.S. growth stocks.

The key for long term investors is not predicting which style, size, or geography will lead next. It is maintaining a balanced portfolio that can participate across different market environments.

The market is bigger than the headlines.

Balance matters for long term investing.

Read this week’s to learn more:

An important yet counterintuitive issue for investors is that long-term interest rates have risen despite the Fed’s latest cuts. Why is this happening and how does it impact investor portfolios?

09/14/2026

Could you find acres of diamonds in your own backyard? Watch this video.

In life it often happens that the answers to our most pressing questions are right in our own backyards.

09/10/2026

One percentage point can feel abstract. Here is what it looks like.

For someone earning $60,000, increasing a 401(k) contribution from 3% to 4% directs about $23 more from each biweekly paycheck into the account. That is $600 more over a year, before any employer contribution or investment return.

If the current contribution is below the level needed to receive the full employer match, that same increase may also unlock more employer money. The exact result depends on the plan’s formula.

Career changes, caregiving leaves, and uneven earning years can interrupt retirement saving. Contributing while income is available gives those dollars more time to work.

Ask Her’s Small Contributions, Big Possibilities FAQ explains how the match, tax choices, investments, vesting, and job changes affect a new 401(k).

What would one more percent look like on your paycheck?

09/09/2026

Commodity prices can be highly sensitive to geopolitics, trade policy, and economic conditions. But while short term moves can be difficult to predict, supply and demand remain the key drivers over the long run.

Oil prices have fluctuated significantly this year, while copper has reached record highs as tight supply meets growing demand from areas such as AI infrastructure.

For investors, the key is to look beyond individual commodity prices and understand what they may signal about the broader economy. Maintaining a diversified portfolio can help investors navigate these swings while staying focused on long term goals.

Commodity markets can be unpredictable.
Portfolio balance provides perspective.

Read this week’s to learn more:

An important yet counterintuitive issue for investors is that long-term interest rates have risen despite the Fed’s latest cuts. Why is this happening and how does it impact investor portfolios?

09/07/2026

What steps might help you sustain and grow your retirement savings? This piece explores them.

Steps to help you sustain and grow your retirement savings.

09/04/2026

A 401(k) can run for years on choices made during one rushed enrollment.

The contribution rate may still be the default. The investment may be the fund selected when you were hired. The beneficiary may reflect a life you no longer live.

National 401(k) Day is a reason to open the account and check what is actually happening inside it:

• How much of each paycheck is being contributed?
• Are you receiving the full employer match available to you?
• Where is the money invested?
• Who is named as beneficiary?

This September, Ask Her is answering the questions that matter at three different stages: getting started, making the plan work harder, and preparing to use the account in retirement.

Your balance tells you what is there. These settings help determine what happens next.