Tomren & Sullivan Wealth Management

07/17/2026

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.

07/15/2026

Trump Accounts opened on July 4. A few questions are worth considering:

➡️ Our baby is 18 months old. Do we qualify for the $1,000?
Yes. Every U.S. citizen baby born since January 1, 2025, qualifies for a one-time $1,000 federal contribution.

➡️ Is there an income maximum?
No. Eligibility is based on the child's citizenship and birth date, not family income.

➡️ Our child is 7. Did we miss it?
Not entirely. Any U.S. citizen under 18 can have an account opened. The federal $1,000 payment applies only to children born in 2025 through 2028, but everything else still applies.

➡️ Can grandparents contribute?
Yes. Up to $5,000 per year combined across parents, grandparents, family, and the child themselves.

➡️ What is the catch?
State tax conformity varies; California, for example, does not currently conform.

Whether to contribute, how much, and how to coordinate it with what you already have are all worth talking through. Our team is here for that.

07/13/2026

🗓️ Roth Conversions - "Let's talk about it in December."

By December, choices can be limited. Mid-year is often the sweet spot for preparation, as the bracket picture is clearer than it was in January.

Roth IRA conversion timing is flexible within the calendar year, but the bracket math can influence the outcome.
Six months of runway means scenarios can be modeled, not rushed.

If the market dips before year-end, the same tax math may change. Those windows rarely give notice. Keep your tax, legal, or accounting professional in the loop if you see an opportunity.

December conversions can be reactive.
Mid-year conversions can be designed.

If you’re wondering about timing, we welcome a discussion.

07/08/2026

🌱 From Our Beginning to Our Next Chapter. 🌳💙

Every journey begins with a single step.

In July 1997, Tomren Wealth Management was founded with a simple promise: to put people first and deliver an exceptional client experience.

Nearly 29 years later, that promise continues.

Today, we're excited to begin a new chapter as Tomren & Sullivan Wealth Management. Building on the same values, the same commitment, and the same relationships that have guided us from the very beginning.

While our name has evolved, our purpose has not. We remain dedicated to helping individuals and families navigate life's financial journey with trusted guidance, genuine care, and a client experience that always comes first.

To every client, friend, and family member who has been part of our story over the years… Thank you. 💙 Your trust has allowed us to grow, and we're excited for everything the future holds.

Here's to the next chapter! 🥂🌳

07/04/2026

This 4th of July is a milestone year! 🗽

It’s our nation's 250th birthday. As we celebrate this day, we honor 250 years of independence, freedom, and opportunity.

Wishing you and your loved ones a safe, joyful, and meaningful Independence Day. Happy 4th of July! 🎆

07/03/2026

07/02/2026

It's July and we are officially more than halfway through 2026. ⏳

If you're like most of the people, the year hasn’t gone exactly the way you sketched it out in January.
➔ Maybe the market did something you didn't expect, and your priorities look different from what they did six months ago.
➔ Maybe a parent's health changed, or an adult child needed help, or a grandchild arrived, and now the estate strategy you finalized two years ago doesn't quite match the family.
➔ Maybe the business had a better year than projected, or you’re managing through some other issues.
➔ Maybe you sold something, bought something, retired, or decided you're not going to retire when you said you would.

Any one of those is a reason to revisit your approach before December, not after.
The clients who feel most in control of their financial lives are the ones who don't wait until year-end to find out what the year actually held.

06/30/2026

Who knows what the “GPT” in ChatGPT actually stands for?
It stands for Generative Pre-trained Transformer.

As you know, it creates new content, learns from an enormous amount of text, and understands context rather than just keywords.
AI is genuinely useful for organizing information, finding patterns, and explaining things quickly. It can be a big timesaver.

What it isn't good at is knowing you, your family, your goals, the tradeoffs that matter to you, and the context behind the numbers.
That's the part that still requires a person.

We're not AI experts. But paying attention to what our clients are hearing, reading, and wondering about is part of what we do. If we can help make something feel a little less unfamiliar, that's worth doing. 🤝

06/21/2026

Today, we celebrate the dads, grandfathers, and father figures whose love, strength, and guidance help shape the lives around them.
Thank you for the quiet sacrifices, the big encouragements, and the moments that become lifelong memories.

Happy Father’s Day to all who lead with love. 💙