Stapf Financial

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Stapf Financial Make the most of what you have. I would love to talk to you about your challenges! Are you working too hard and not feeling like you are getting ahead?

I help savvy business owners get off the tax treadmill, stop bleeding cash and get paid consistently from their business so they can look forward to spending vacations and downtime with their family without stressful conversations, all while freeing up cash to fund future plans. Are taxes eating up your cash? Do you want to spend more time with your family and gain permanent profitability?

If you're age 50 or older and earn more than $150,000, new retirement savings rules taking effect in 2026 may affect you...
10/22/2026

If you're age 50 or older and earn more than $150,000, new retirement savings rules taking effect in 2026 may affect your catch-up contributions. Understanding these changes now can help you plan ahead with confidence.

Need help? Contact us today! --> https://stapffinancial.com/speak-to-our-team/

10/21/2026

Through 2028, workers can deduct up to $12,500 of overtime pay ($25,000 if married filing jointly) and up to $25,000 of tips. You do not have to itemize. But there are income limits and record rules.

**Tips.**
You can deduct up to $25,000 of tips per year. The tips must be voluntary. They must come from a job that normally gets tips. The IRS is publishing the list of jobs. The tips must be reported on your W-2, a 1099, or Form 4137.

If you are self-employed in a "specified service" business, such as health, law, consulting, or financial services, you cannot use this deduction.

For ultra-high-net-worth families, proactive tax planning is an important part of preserving wealth and supporting long-...
10/15/2026

For ultra-high-net-worth families, proactive tax planning is an important part of preserving wealth and supporting long-term financial goals. Here are six tax strategies worth considering as part of a comprehensive financial plan.

Have any questions? Let's chat! --> https://stapffinancial.com/speak-to-our-team/

10/14/2026

Starting in 2026, you can deduct up to $1,000 in cash gifts to charity without itemizing ($2,000 if married filing jointly). But if you do itemize, the first slice of your giving no longer counts. Both rules change how you should give.

10/09/2026

If you are 70½ or older and give to charity, do not write the check from your bank account. Send it straight from your IRA. The charity gets the same amount. You can save about $2,500 to $2,800 on a $10,000 gift (24% federal bracket plus 7% state). It can also help keep your Medicare premiums from jumping.

10/08/2026

What’s one financial goal you’re focusing on this year?

A. Saving more
B. Investing smarter
C. Planning for retirement

Smart moves save money. 💡Review your withholdings and estimated taxes during the year so you’re not surprised come tax s...
10/07/2026

Smart moves save money. 💡Review your withholdings and estimated taxes during the year so you’re not surprised come tax season.

Our Founder, Linda Stapf, attended ProfitCON 2026 in New Jersey. Three days surrounded by some of the sharpest minds in ...
10/02/2026

Our Founder, Linda Stapf, attended ProfitCON 2026 in New Jersey. Three days surrounded by some of the sharpest minds in small business finance, including Mike Michalowicz, Ron Baker, and Chris Guillebeau.

A few takeaways she is bringing home:

AI in accounting:
Alexis Kingsbury’s session on building the world’s first fully AI accounting firm was funny, thought-provoking, and more “how not to” than “how to.” It reinforced something I already believe: the firms that thrive will use AI to give clients faster answers and better insight—not just cheaper work. We’re already applying pieces of this at Stapf Financial.

Pricing and value:
Ron Baker’s “You Are What You Charge For” was a great reminder that pricing communicates what you believe your work is worth.

Culture and community:
Some of the best conversations happened in the hallways. Good reminder that great business relationships are often built outside the conference room.

Health and profit:
Nancy Trimboli’s “Bathtub Principle” connected health and business in a simple way: what you don’t manage intentionally tends to drain away.

Biggest takeaway: The best ideas are the ones simple enough to act on Monday morning.

10/01/2026

Have an old 401(k) or 403(b) from a previous job? You have four options:

Withdraw it (taxes and possible penalties apply)
Leave it where it is
Roll it into your current employer’s plan
Roll it into a Traditional IRA

Before deciding, consider:
· How will fees change?
· Will service or investment options improve?
· Do you plan to do backdoor Roth conversions?
· Does the Rule of 55 apply to you?
· Would consolidating accounts simplify your finances?

Finding an old account is great—choosing the right next step is what matters.

Becoming wealthy isn’t just about what you earn — it’s about planning and knowing how to spend in a way that fits your r...
09/23/2026

Becoming wealthy isn’t just about what you earn — it’s about planning and knowing how to spend in a way that fits your reality.

Both paths work.

The key? Know your lane.

Spend in a way your income can actually sustain, and let the wealth-building plan do the rest.

Address

12990 Livestock Road
Sykesville, MD
21784

Opening Hours

Monday 10am - 5pm
Tuesday 10am - 5pm
Wednesday 10am - 5pm
Thursday 10am - 5pm
Friday 10am - 5pm

Telephone

(410) 442-9939

Website

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