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Jeffrey Settle, CFP

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Jeffrey Settle, CFP

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District Financial Planning helps busy professionals make clear decisions about retirement, investing, taxes, and spending.

Founded by Jeff Settle, CFP®, our virtual practice combines candid advice with practical follow-through. Please see www.DistrictFinancialPlanning.com for important disclosures.

10/20/2026

When you retire, where will your paycheck come from? Retirement income often comes from several sources, including Social Security, pensions, retirement accounts and personal savings.
Knowing when each source will be available, how much it may provide and how it will be taxed can help you plan for your expenses.

A good place to start: list your expected income sources and compare them with what you anticipate spending.

10/13/2026

How much cash should you keep in retirement?

Having cash available for everyday expenses and emergencies can provide peace of mind. But holding too much can have trade-offs, including lost purchasing power over time and fewer opportunities for long-term growth.

The right balance depends on your expenses, other sources of income and future needs. A good place to start: look at how much cash you have, what it's earning and what you expect it to cover.

10/06/2026

If you couldn't manage your finances tomorrow, who could step in?

A spouse or family member may not automatically have access to every account.

Here a few things to review:

▪️Your power of attorney
▪️Account ownership and beneficiaries
▪️Who has access to your online financial accounts

A little preparation now can make things easier for someone who may need to step in later.

09/29/2026

Should you pay off your mortgage before retirement?

For many people, entering retirement without a mortgage sounds appealing. But paying it off isn't automatically the right move.

A few things to consider:
🔹What interest rate are you paying?
🔹Where would the payoff money come from?
🔹How would it affect your retirement income?
🔹How much cash would you have left for other expenses?

The goal is to look at the mortgage as part of your overall financial picture.

09/22/2026

The Federal Reserve raised its benchmark interest rate by 0.25% last week, bringing its target range to 3.75%–4%. What does that mean for you? Higher rates can make some borrowing more expensive, while potentially increasing what you earn on savings accounts, money market accounts and CDs.

It’s also worth remembering that a Fed rate change doesn’t automatically mean you need to change your investments, move your cash or pay off debt differently.

A good place to start: take a look at what you’re currently paying to borrow and what you’re earning on your cash.

09/15/2026

Open enrollment season is coming — and the right moves depend on where you are in life.

If you're still working, take a fresh look at your health plan fit, HSA/FSA contributions, employer retirement match, and beneficiary designations.

If you're retired, focus on your Medicare Advantage/Part D elections (the Annual Election Period runs Oct 15–Dec 7), your Required Minimum Distributions, how year-end income moves might affect future Medicare premiums (IRMAA), and beneficiary designations.

A few minutes of review now can save real money and headaches later. Don't let the deadline sneak up on you. Reach out if you'd like to discuss.

09/09/2026

Money in retirement may come from several different sources. Social Security, pensions, traditional IRAs, 401(k)s, and investment accounts can all have different tax implications, and the timing and combination of those income sources can affect your overall tax picture. If you’re planning to retire soon, don't wait until your first retirement withdrawal to think about taxes.

09/03/2026

As Labor Day approaches, we're taking a moment to appreciate the work, effort, and dedication that go into building the lives we enjoy—and the importance of making time for the people and experiences that make it all worthwhile. Wishing you a safe and relaxing Labor Day weekend.

08/25/2026

Summer is winding down, making this a good time to take a step back and check in on your financial picture.

Before heading into fall, consider:
🔹Has anything significant changed in your income, family, housing, or plans?
🔹Are your financial priorities still the same?
🔹Are there decisions you should address before year-end?
🔹Does your investment strategy still fit your current situation?
🔹Is there anything you've been meaning to revisit, such as estate planning, insurance, or retirement income?
If something has changed this year—or there's an area of your financial plan you've been meaning to revisit—now is a good time to take a look.

Address

8403 Colesville Road, Suite 1100
Silver Spring, MD
20910

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.districtfinancialplanning.com/

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