KPC Financial Solutions

08/10/2026

Confidence in retirement rarely comes from guessing. It comes from understanding exactly why your money is invested the way it is.

Investing smarter for retirement is not about chasing the highest return. It is about building an investment strategy that matches your timeline, your risk tolerance, and the retirement income you will eventually need it to produce, while accounting for taxes, healthcare costs, and market conditions along the way.

Karin Christ, CPA and Co-Founder of KPC Financial Solutions, offers complimentary consultations to help Dallas Fort Worth area retirees and pre-retirees understand exactly where their investments stand today.

Schedule your free consultation here: https://kpcfinancialsolutions.com/contact/

08/07/2026

We are excited to welcome Kristy Angerhofer to the KPC Financial Solutions team as Head of Executive Operations. With more than 15 years of experience across federal contracting, state government, healthcare, and professional services, Kristy builds the systems that keep our team running smoothly so we can stay focused on what matters most: enriching the lives of our clients.

Welcome to the team, Kristy!

Learn more about Kristy here: https://kpcfinancialsolutions.com/our-team/

08/06/2026

Debt-free in retirement sounds like the goal everyone should chase, but is paying off your mortgage before you retire always the smartest financial move?

The answer depends on your mortgage interest rate, your retirement income needs, and what else that money could be doing for you. Using a large portion of your retirement savings to eliminate a monthly mortgage payment can feel good on day one, but it can also limit flexibility for healthcare costs, taxes, or investment opportunities later on.

Our latest blog post breaks down the real tradeoffs behind this common retirement planning decision, so you can decide based on your full financial picture instead of a general rule of thumb.

Read the full post here:

Debt-free retirement sounds appealing, but is it the smartest move? KPC Financial Solutions helps Southlake-area retirees decide if paying off the mortgage fits their plan.

08/05/2026

Ever wonder who is actually behind the retirement planning advice you receive?

In this episode of the KPC Smart Money Podcast, Bryan Christ, Jay Angotti, and Stone Bethea introduce the KPC Financial Solutions advisory team and explain how they work together behind the scenes, from the first conversation through the ongoing management of a client's retirement plan. It is a look at the people and process behind a Southlake, Texas retirement planning firm, not just the recommendations they make.

Listen to the full episode here: https://www.spreaker.com/episode/episode-167-meet-the-kpc-team--69850493

Curious what it is like to work with this team yourself? Schedule a free introductory conversation here: https://kpcfinancialsolutions.com/contact/

08/03/2026

Most people do not think about Medicare until they are already enrolled, and by then some of the most important decisions have already been made.

IRMAA surcharges can quietly increase what retirees pay for Medicare Part B and Part D based on income from two years earlier, which means a Roth conversion or a big withdrawal today could raise your Medicare premiums in the future.

Understanding how tax brackets, Social Security timing, and Medicare costs interact is one of the most overlooked pieces of a retirement income strategy.

Join CPA Karin Christ for a free live webinar on IRMAA, Medicare premium surcharges, and 2026 retirement tax planning on Wednesday, August 12 from 11:00 to 11:30 AM Central Time.

Save your seat here: https://kpcfinancialsolutions.com/attend-an-event/

07/30/2026

October 15 is closer than it feels. And the biggest Medicare mistake we see every year is people waiting too long to review their options.

Your plan from last year may not be the best fit for next year. Provider networks change. Prescription coverage shifts. Costs adjust. What worked in 2025 may cost you more in 2026.

We put together a practical guide covering exactly what Texas retirees need to do before open enrollment begins, including what to look for, what questions to ask, and how to avoid the most common mistakes.

Read the full post here:

Medicare Open Enrollment runs October 15–December 7. Texas retirees should review their plans now. KPC Financial Solutions helps you compare options and avoid costly mistakes.

07/27/2026

Wisdom

07/27/2026

Wealth is not just what you accumulate. It is also what you give.

In this episode of the KPC Smart Money Podcast, Kevin explores what the Bible actually says about giving, what a tithe really means in today's world, and the ways generosity shows up beyond just writing a check. From paying for a stranger's groceries to simply being present for someone who is struggling, giving enriches both the giver and the receiver.

If you have ever wondered how to weave generosity into your financial plan without sacrificing your own security, this is the conversation for you.

Listen to the full episode here: https://www.spreaker.com/episode/episode-163-christian-charitable-giving--67380167

Want to build generosity into your retirement plan? Start here: https://kpcfinancialsolutions.com/contact/

07/23/2026

The 4% Rule says you can withdraw 4% of your retirement savings each year and have a strong chance of your money lasting 30 years. It was developed in the 1990s using historical stock and bond returns and has been a popular guideline ever since.

But here is what it gets wrong: it assumes a fixed withdrawal rate, a specific asset mix, and market conditions that may not reflect today's environment. It does not account for inflation spikes, rising healthcare costs, or what happens when markets drop early in retirement.

A retirement income guardrail strategy is a smarter, more flexible alternative that adjusts based on what the market is actually doing rather than what it did 30 years ago.

Want to know if your withdrawal strategy is built for the next 30 years?

Request a consultation today: https://kpcfinancialsolutions.com/contact/

07/22/2026

Our charitable giving webinar is TOMORROW at 11:00 AM CT and you do not want to miss this one.

Did you know you can donate directly from your IRA and pay zero taxes on that withdrawal? Most retirees have never heard of this strategy. Karin Christ, CPA and Jay Angotti, CFP® are covering this and much more live tomorrow.

One hour. Completely free. And it could save you thousands!

Secure your seat right now:
https://us02web.zoom.us/webinar/register/WN_mlrSG6OCQXCMmY_fmjjs_Q #/registration