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JBL Financial Services

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St. Louis, MO
JBL Financial Services

Listen to our show on the Big 550 KTRS Saturdays at 9:00 A.M. CST or ANY time on your favorite podcast platform. JBL Financial Services, Inc.

provides a comprehensive approach to wealth management. Jeff and Erin Lapidus seek to preserve, protect and prudently grow the assets their client’s have taken a lifetime to accumulate. They aim to supply a reliable stream of income for their clients to enjoy in their retirement. Alongside this mission, Erin cost effectively addresses healthcare needs of clientele to find the right plan to supplem

ent their medical coverage. prides itself on providing a holistic approach to finance and living. Our social media outlets serve as a community hub filled with retirement planning tips, neighborhood events, and nationwide news. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AL, CO, FL, GA, IL, IN, MO, NV, NC, OK, TN, TX.

07/20/2026

When you bring your financial questions to us, whether it's centered around investments, retirement or Medicare planning, we're ready for you.

Our coaches are here to help bring you peace of mind, so when you leave us, you'll know exactly where you stand and what to do next.

We're here for you when you're ready, so reach out for a free consultation any time. 🤝

07/15/2026

When retirement begins to creep closer, it's easy to second guess if you're on the right track.

Take some time for your own peace of mind to ensure you're not only financially prepared but emotionally and mentally prepared for one of the biggest transitions of your life.

Read more on retirement readiness from our latest blog.

𝗥𝗲𝗮𝗱 𝗕𝗹𝗼𝗴 𝗛𝗲𝗿𝗲
https://vist.ly/5bbr7

07/06/2026

When your clients send you a text saying 'Happy Monday' when it's really Tuesday, you know their retirement is off to a good start.

Everyone deserves to lose track of time with a koozie in hand.

We're so happy for them and cheers to a long and happy retirement! 🍹

07/02/2026

What can you expect when you first come to JBL Financial Services?

Learn more about the people that make the office run and who you'll meet when you walk through the doors.

We welcome everyone in and can't wait to meet you when the time is right. 💚

06/30/2026

When you see people enjoying retirement, worry-free, they likely had a solid strategy behind their plan.

That's what we do. We put a personal plan and strategy in place.

And we're prepared to do the work so you don't have to. Reach out to us and we'd love to have a conversation.

06/22/2026

Wealth management is not just about growing assets. It is about building a strategy that brings your investments, taxes, retirement goals, and long-term planning together.

Learn more about what wealth management is and why it's important on our blog.

Want to see how your financial strategy fits together? We're here for any questions you have.

On the Blog:
𝗪𝗵𝗮𝘁 𝗶𝘀 𝗪𝗲𝗮𝘁𝗹𝗵 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝗮𝗻𝗱 𝗗𝗼 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱 𝗜𝘁?
https://vist.ly/58nnw

06/17/2026

Not having enough to retire on is no laughing matter.

Erin's just excited they just got in a whole new box of Werther's Originals.

I mean, who doesn't love a good Werther's? 😜

06/12/2026

Don't let the words 𝘸𝘦𝘢𝘭𝘵𝘩 𝘮𝘢𝘯𝘢𝘨𝘦𝘮𝘦𝘯𝘵 throw you off. It's less about wealth level and more about having a financial plan that works.

Retirement is closer than you think.

Let's review where you are to see if you're ready.

1. Wealth management is not just for the ultra-wealthy.
For pre-retirees, it can be about making sure all the parts of your financial life work together.

2. As retirement gets closer, finances often get more complex.
You may be thinking about income planning, taxes, investments, estate considerations, and how to protect what you have built.

3. Wealth management goes beyond investing.
It can bring retirement planning, tax strategies, estate planning, saving, and risk management into one more connected strategy.

4. The real value is coordination.
Instead of making one decision at a time in separate buckets, wealth management helps align your financial choices with your long-term goals.

5. Your plan should evolve as life changes.
A good strategy is not static. It should be reviewed and adjusted as markets shift and your retirement timeline gets closer.

6. For many pre-retirees, clarity is the biggest benefit. Knowing where you stand, what you want retirement to look like, and how your assets support that vision can make next steps clearer.

06/09/2026

Long-term estate planning goes beyond just how 𝑦𝑜𝑢 feel.

Having conversations with your children about what you're passing down is important. Don't overlook these types of details when it comes to retirement planning and strategy.

06/04/2026

It's time, once again, for our listener question of the week!

𝑄𝑢𝑒𝑠𝑡𝑖𝑜𝑛:
"Hello, would you please explain how provisional income taxation works, being 65 and working one day a week, but considering when to take Social Security?"

𝐴𝑛𝑠𝑤𝑒𝑟:
There are two key concepts to consider, so we'll outline them below...

1️⃣ 𝗣𝗿𝗼𝘃𝗶𝘀𝗶𝗼𝗻𝗮𝗹 𝗜𝗻𝗰𝗼𝗺𝗲 (𝗳𝗼𝗿 𝗧𝗮𝘅𝗮𝘁𝗶𝗼𝗻)
This formula determines how much of your Social Security benefit is taxable.

Formula: 50% of your Social Security benefit + 100% of all your other income (including non-taxable interest).

Thresholds (Married Filing Jointly):
- Under $32,000: 0% of your benefit is taxable.
- $32,000 - $44,000: Up to 50% of your benefit is taxable.
- Over $44,000: Up to 85% of your benefit is taxable.

2️⃣ 𝗜𝗻𝗰𝗼𝗺𝗲 𝗟𝗶𝗺𝗶𝘁𝗮𝘁𝗶𝗼𝗻𝘀 (𝗳𝗼𝗿 𝗧𝗮𝗸𝗶𝗻𝗴 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗘𝗮𝗿𝗹𝘆)
Since the texter is 65 (under their full retirement age), there is a limit on how much they can earn from work without having benefits withheld.

2026 Limit: You can earn up to $24,480. For every $2 you earn above that limit, Social Security will withhold $1 of your benefits.

⚠️ 𝗖𝗔𝗨𝗧𝗜𝗢𝗡
Taking benefits early while still working can be counterproductive, as you not only have benefits withheld but you also lock in a permanently lower monthly benefit amount.

Address

9300 Olive Boulevard
St. Louis, MO
63132

Opening Hours

Monday	9am - 4pm
Tuesday	9am - 4pm
Wednesday	9am - 4pm
Thursday	9am - 4pm
Friday	9am - 4pm

Telephone

+13148630008

Website

http://www.jblfinancial.com/

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