Jon Owens, CFP

08/07/2026

Markets are evolving, but successful investing still comes back to timeless principles. Explore the latest market trends, the return of fundamentals, and why diversification and staying invested continue to matter.

Explore the August 2026 Markets & Main Street update from Jon Owens CFP®. Learn how higher interest rates, diversification, and long-term investing can help guide financial decisions.

07/31/2026

True legacy is about more than passing down wealth. Learn how estate planning, saving for future generations, and faithful stewardship can help you prepare your family and create a lasting impact.

This is concise, emotionally engaging, and includes your brand. It also naturally targets searches around inheritance, legacy, and family financial planning.

07/24/2026

Your business may be your greatest investment—but it shouldn't be your only retirement plan. Learn how business owners can diversify their wealth, reduce risk, and build financial independence beyond their business.

Your business is a valuable asset, but it shouldn't be your only retirement plan. Learn how business owners can diversify their wealth, reduce risk, and prepare for retirement with confidence.

07/17/2026

Explore the causes of the Great Recession, the housing crisis, TARP, unemployment, market recovery, and practical investing lessons to help prepare for future downturns.

Learn what caused the Great Recession, how markets recovered, and the timeless investing lessons on leverage, unemployment, diversification, and long-term financial planning.

07/10/2026

DIY investing can work—but common mistakes can quietly derail your financial future. Learn the behavioral traps, diversification pitfalls, and costly decisions that often keep investors from reaching their goals.

Think DIY investing is simple? Learn how market timing, lack of diversification, emotional decisions, and investment mistakes can hurt returns.

07/06/2026

Markets continue to climb despite inflation, geopolitical tensions, and a hawkish Federal Reserve. Discover why diversification, discipline, and staying invested remain the keys to long-term financial success.

Whoops... Sorry, for some reason the page you are looking for does not exist. We may have changed the address of the page or the page may no longer be in use.

07/03/2026

Learn how the new Trump Accounts work, who qualifies for the $1,000 federal contribution, contribution limits, investment rules, tax considerations, and how these accounts compare to 529 plans and other savings strategies.

Learn how Trump Accounts work, who qualifies for the \$1,000 federal contribution, contribution rules, tax considerations, and how they fit into your family's savings plan.

06/04/2026

https://www.jonowenscfp.com/ // Tax efficient withdrawal strategies aim to reduce lifetime taxes and make savings last by choosing the right order and timing for tapping different account types. A common approach is to spend from taxable accounts first while realizing capital gains within favorable brackets, then draw from pretax accounts to fill lower tax brackets, and preserve Roth assets for later years when their tax free growth is most valuable. Coordinating withdrawals with the start of Social Security and the schedule of required minimum distributions helps smooth income and avoid spikes in tax rates. Practical tactics include using partial Roth conversions in lower income years, harvesting gains or losses in taxable accounts to manage brackets, and structuring withdrawals to stay below thresholds that raise Medicare premiums or trigger net investment income tax. Building a yearly withdrawal plan that integrates pension income, dividends, and interest while monitoring bracket creep and credits can improve after tax outcomes. Revisit the plan each year as markets, spending needs, and tax laws change, and consider consulting a fiduciary advisor or tax professional for personalized guidance.

06/04/2026

https://www.jonowenscfp.com/ // Retirement taxes change because wages usually fall while income from Social Security pensions investments and account withdrawals becomes more important. Social Security benefits may be taxable from zero to as high as 85 percent depending on provisional income which includes half of your benefits plus other income including tax exempt interest. Required minimum distributions from traditional IRAs and workplace plans generally start at age 73 and can push you into a higher bracket. Capital gains and qualified dividends may be taxed at zero fifteen or twenty percent depending on taxable income while Roth IRA withdrawals that meet the rules are tax free and Roth IRAs have no required minimum distributions for the owner. Retirees may qualify for a larger standard deduction after age 65 and can use strategies to control taxable income such as delaying Social Security starting withdrawals from taxable and tax deferred accounts in a tax efficient order converting to Roth in low income years and making qualified charitable distributions from an IRA starting at age 70 and a half. Be mindful of Medicare premium surcharges which are based on modified adjusted gross income state tax differences withholding and estimated tax payments and the safe harbor rules to avoid penalties. A written plan that coordinates withdrawals spending and taxes can help you keep more of your retirement income.

06/03/2026

https://www.jonowenscfp.com/ // Paragraph one A sustainable withdrawal rate is the share of a retirement portfolio you can take out each year adjusted for inflation while keeping a high likelihood that your savings endure for your intended time horizon. Many reference the four percent rule from historical research as a starting point but the right rate depends on your asset allocation market conditions expected returns inflation assumptions and the risk of poor early returns known as sequence risk. Paragraph two To choose and maintain a sustainable rate consider longevity expectations taxes fees and how flexible your spending can be. You can improve durability by diversifying keeping a sensible mix of stocks and bonds rebalancing periodically reducing withdrawals after weak markets coordinating pension or Social Security income and reviewing the plan regularly so withdrawal levels stay aligned with progress and goals.