Opus 111 Group, LLC

07/21/2026

Retirement sneaking up faster than your savings? You still have time to strengthen your plan:

• Check Your Gap: Use a retirement calculator and your Social Security estimate to see how much income you’ll actually have.
• Boost Contributions: Workers 60–63 can save up to $35,750 annually in a 401(k) under SECURE 2.0.
• Delay Benefits: Waiting past 62 can increase Social Security payments by up to 8% per year.

Source: https://bit.ly/4s83UI7

07/17/2026

Many business owners plan to fund retirement by selling their company someday. But a profitable business and a sellable business aren’t always the same thing.
Profit doesn’t guarantee a buyer: Buyers want a company that can run without the founder. If sales, relationships, or daily decisions depend on you personally, the value may be lower than expected.
The transition window is getting crowded: Millions of small businesses are expected to change hands by 2035, which could mean more sellers competing for qualified buyers.
Start earlier than feels necessary: Strong exits usually take years of preparation, from documenting systems to building a team that can operate independently.
If your exit strategy is “sell the business someday,” here’s more about what that requires: https://bit.ly/4eiTJMa

Many business owners expect selling their company to fund retirement. Learn why business readiness is the missing piece of retirement planning.

07/16/2026

Hard to believe it was already a week ago today that we all headed up to Orcas Island in the San Juans for an Opus 111 Group work retreat, that included dining out, whale watching and getting caught up with each other! Fun times!

07/15/2026

Emergencies are inevitable, but financial stress doesn’t have to be. While the standard emergency fund is 3-6 months of expenses, it's best to start with small, manageable milestones, such as saving your first $1,000.
Automate and separate: Set up an automatic transfer from your paycheck to a separate, high-yield savings account to effortlessly build savings that are "out of sight" and less tempting to spend.
Target your needs: Determine your ideal amount based on your responsibilities (e.g., family/self-employed may need six months or more) and use windfalls like tax refunds to accelerate your progress.
Don't feel guilty: The fund is for emergencies; if you use it, don't feel guilty—just make replenishing it your next top financial priority.
Source: https://bit.ly/quiF

Maybe your car broke down, your computer was stolen, or you had a surprise visit to urgent care. Emergencies are inevitable, but you can help by building an emergency fund.

07/14/2026

Your financial plan shouldn’t stay stuck in your 30s.

We use a financial health checklist to help you adjust, adapt, and make smart moves at every life stage - from your first job to your last day in the office.

Watch the full video and connect with us through the link in comments to start checking things of your list.

07/13/2026

Retirement sneaking up faster than your savings? You still have time to strengthen your plan:

• Check Your Gap: Use a retirement calculator and your Social Security estimate to see how much income you’ll actually have.
• Boost Contributions: Workers 60–63 can save up to $35,750 annually in a 401(k) under SECURE 2.0.
• Delay Benefits: Waiting past 62 can increase Social Security payments by up to 8% per year.

Source: https://bit.ly/4s83UI7

Try not to panic—there are ways to bridge the gap.

07/11/2026

Time isn’t moving faster, but routine can make it feel that way. New experiences, like taking a new route or having an interesting conversation, give your brain more moments to remember. Learn how small changes may help life feel fuller: https://bit.ly/4dkZ4Rk

Almost everyone over thirty has had the same disorienting thought. The year is ending again. The summer is gone. The decade just turned over and somehow

07/06/2026

Five years from retirement? That’s when small mistakes can have big consequences. Here’s what to consider:

• Don’t rush the Roth: Maxing out Roth contributions right before retirement can mean paying higher taxes than necessary. Converting funds after retiring, when income drops, may be more tax-efficient.
Build flexibility: Having all your savings in retirement accounts limits your options. Keeping some money in taxable accounts may help cover big expenses without triggering large tax bills.
Know your number: Calculate your real monthly spending and run projections. Without clear expenses and a finish line, it’s difficult to know if you’re truly ready.
Source: https://bit.ly/4aVWIsd

When retirement is in reach, financial planning gets serious — and there's a heightened risk of making serious mistakes, too. Here are five common slipups.

07/03/2026

You know, they say 250 is the new 240. Have a safe & wonderful extended weekend!

07/01/2026

Taxes don’t disappear in retirement; they often become your biggest expense. Here are 3 strategies wealthy investors use to keep more of what they’ve built:
Use Roth Conversions: Shift assets into tax-free accounts during lower-income years to reduce future tax burdens.
Give Strategically: Charitable tools like donor-advised funds and QCDs can lower taxable income while supporting causes.
Diversify for Taxes: Mixing taxable, tax-deferred, and tax-free accounts adds flexibility and minimizes long-term tax drag.
See how high-net-worth retirees plan smarter around taxes: https://bit.ly/4st0CiB

6 financial advisers give their advice on how wealthier Americans can minimize their tax burden in retirement