McCaleb Wealth Management

07/24/2026

National Parents’ Day is this Sunday, which is news to most parents.

So no, the day will probably not put parents in the spotlight. But parenting is a 365-day job, and one piece of it gets quietly transferred whether parents are intentional or not: financial habits.

Some kids and grandkids absorb attitudes about earning, saving, and risk long before they understand the math.

A few questions worth asking before the next family gathering:

🔹 What do the kids and grandkids actually know about how the family operates financially?

🔹 What do we want them to understand about earning, saving, giving, and risk?

🔹 When was the last family discussion about money that was not about a specific bill or expense?

🔹 Is there a generational wealth strategy, and does the next generation know enough about it to carry it?

The families we see do this best hold a standing meeting once or twice a year, and summer is a perfect time!

Nothing formal. Just enough rhythm that the next generation knows what is being built and why.

07/23/2026

Legendary investor Charlie Munger thought so—and there's an important reason why.
In this short video, Jason McCaleb, a Dave Ramsey SmartVestor Pro and Certified Financial Planner®, explains why reaching that first major savings milestone can matter and how long-term consistency plays a key role in building wealth.
Whether you're just getting started or looking to create a personalized financial plan, Jason can help you understand your options and work toward your financial goals.
📞 Call 928-358-4314 to schedule your FREE consultation today.
Investments offered through SharpePoint, a Registered Investment Advisor.

07/23/2026

Summer with kids is not cheap.

And camp is often one of the biggest line items!

But did you know you may be able to use a Dependent Care FSA for day camp costs?

What qualifies:

✅ Day camps, including specialty camps for sports, coding, or arts

✅ Care that allows the parent (and spouse, if married) to work or look for work

✅ Children under age 13 at the time of care

What doesn’t count:

❌ Overnight or sleepaway camps, even if the daytime hours are separated out

❌ Tutoring, music lessons, or other primarily educational programs

❌ Camps attended while one parent is at home and available to provide care

If your child has a booked summer and you meet any of the conditions above, it's worth considering. If you have specific questions, consult with your HR team.

07/23/2026

The average retirement lasts for 18 years. Are you prepared to fill that many days?

The average retirement lasts for 18 years. What will you do with your days?

07/22/2026

⚠️ A 10 percent position in a single stock is sometimes called a concentrated position.

Most people don't realize it when they have one.

It's usually not a conscious decision.

Ten years go by, and one company’s stock is a large percentage of the portfolio.

That isn't loyalty. It's exposure.

🔍 A few questions you might consider:

🛑 If the stock dropped tomorrow, what would change for your family?

🛑 Is the position there because selling always felt premature?

🛑 Has the embedded capital gain quietly become the reason nothing has been done?

There are several ways to unwind a concentrated position without writing a large check to the IRS.

The correct path depends on the situation.

If this sounds familiar, we’d welcome a conversation to share ideas that may help. Before any action is taken, however, it’s important to consult your tax, legal, and accounting professionals so you understand the tax consequences of any decision.

07/22/2026

Your ideal retirement may differ from reality, but we can work together to better align the two.

How does your ideal retirement differ from reality, and what can we do to better align the two?

07/20/2026

December is the busiest month for RMDs.

But waiting until then can mean you miss some chances with charitable giving or with estate ideas.

For anyone age 73 or older, the required minimum distribution is mandatory, and the penalty for missing a deadline can be steep. If taken before age 59½, withdrawals are taxed as ordinary income and may be subject to a 10 percent penalty.

But the timing of the withdrawal and which accounts it comes from can shape the tax bill in ways a December scramble can’t.

A few things worth knowing:

👉 Multiple IRAs can be aggregated; retirement plans cannot. Each RMD must come from that specific plan.

👉 In 2026, a Qualified Charitable Distribution may allow up to $111,000 per individual to go directly from an IRA to a qualified charity, satisfying the RMD without adding to taxable income. Check with your tax, legal, or accounting professional if you’re considering this approach.

👉 A QCD has to be a direct transfer. Once the money lands in a personal account, the option is gone.

👉 Coordinating across accounts, spouses, and inherited IRAs is where most of the value might sit.

Mid-year is when there is still room to model it.

If RMDs are part of your plan this year, this is a good time to map them.

07/20/2026

What every parent needs to know about insuring his or her teen driver.

Tips on insuring your teen driver.

07/16/2026

🚀 Would you invest in the next big IPO?
When a company goes public, many people assume their investment is helping fund the company's big vision. In reality, that's often not how IPOs work.
Jason McCaleb, Dave Ramsey SmartVestor Pro and Certified Financial Planner™, explains what really happens during an IPO, why newly public companies can experience significant price swings, and why understanding the process can help you make more informed investment decisions.
Whether you're following the upcoming AI IPOs or just want to become a more educated investor, this is a quick watch that's worth your time.
📞 If you'd like a free consultation with Jason McCaleb, call 928-358-4314.
Investments offered through SharpePoint, a Registered Investment Advisor

07/16/2026

Travel fraud gets worse every summer, and we hear more stories from clients every year.

A quick login from the lobby.

A brokerage app checked from the airport lounge.

A bank balance pulled up at a cafe.

Public networks are where accounts can get exposed.

A few habits worth building before the next trip:

🛑 Skip public WiFi for anything financial. Use cellular data or a personal hotspot.

🛑 Turn on real-time transaction alerts for every card.

🛑 Consider using credit, not debit.

🛑 Watch for skimmers (devices attached to gas pumps and ATMs that copy card data).

A few minutes of preparation before the trip can help prevent months of cleanup after.