Melissa Moss, Moss Wealth Management

08/20/2026

A husband already on Medicare. A wife who isn’t yet.

Most people hear that and think: fear IRMAA!

But what if its a strategic planning window?

Medicare generally looks back two years at income. So the years before both spouses are enrolled can be some of the most flexible planning years a couple gets. Once they’re both on, crossing that threshold costs more.

That doesn’t mean convert. It means the question isn’t really whether. It’s how much, and by when.

And there’s a piece almost nobody brings up: if one spouse outlives the other, the standard deduction goes from a couple’s to a single person’s. The RMDs don’t shrink to match.

If you’re within a few years of Medicare and you’ve wondered about Roth conversions, send this to the person you’d be making that decision with.

08/07/2026

Markets navigated mixed signals in July. Inflation eased, tech faced pressure, and energy surged. Meanwhile, Americans are planning record travel spending in 2026: \$1.37 trillion. What's shaping your household budget this summer?

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: 

07/22/2026

Just joined my neighborhood Fantasy Football league. Give me your best tips and tricks to set me up for an unlikely victory! 🏆
Runner up team name: Google “Fantasy Football Rules”
Here’s to a winning season ahead for Notice of Violation!

07/13/2026

That $20 bill in grandma’s birthday card? Sending that same birthday love today costs $52.66.

In 1993 I turned eight, and my Mimi would tuck a crisp $20 into my card. All in, with the card and the stamp, it cost her $22.29 to make my whole day.

Run that math forward to 2026 and it has more than doubled. That’s inflation, and we feel it every day at the grocery store and the gas pump.

But here’s the part most of us in our 40s haven’t sat with yet: that same math is coming for your retirement. Whatever number you’re picturing, you might need to double it by the time you get there.

A $20 bill left in a drawer since 1993 is still just $20. Don’t let your retirement plan sit in a drawer too. This is the decade where what you do really matters.

Tag the elder millennial who still slides their hand inside the card first. And tell me below: who sent you birthday money as a kid, and what did you spend it on?

Nostalgia MillennialRetirement FinancialPlanning MoneyTalk GenerationalWealth

07/09/2026

I’m seeing a trend I don’t think enough people are talking about: couples planning to divorce, not now, but in three or four years.

Some are doing it together. And honestly, watching two people who still care about each other work as a team to protect their family and separate their assets before things get messy is one of the more meaningful parts of my job. The relationship changed. The mission to take care of their people didn’t.

Other times it’s one spouse quietly planning on their own.

Either way, I feel genuinely honored when clients trust me to help guide them through it.

Curious if other advisors are seeing this too. Are your clients planning ahead for a divorce that hasn’t happened yet?

07/09/2026

Markets posted solid second-quarter gains as investors responded to upbeat economic reports, continued diplomatic efforts in the Middle East, and strong first-quarter corporate numbers. The S&P 500 rose 14.87%, the Nasdaq gained 21.41%, and the Dow picked up 12.90%, while Canada’s S&P/TSX Composite added 6.37%. Looking ahead, markets may continue to react to Middle East updates, oil prices, inflation trends, and the pace of global commerce through the Strait of Hormuz. From U.S. home price growth to Canadian housing forecasts, this quarter’s by-the-numbers highlights the data behind one of North America’s most closely watched markets.

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: 

07/08/2026

If you give people a choice between dying and running out of money, you’d be surprised how many choose death.

It’s never a good time to let fear or uncertainty derail your future.

06/05/2026

Markets continued their upward climb in May, supported by strong technology performance, positive economic data, and ongoing diplomatic efforts in the Middle East. The Nasdaq gained 8.36%, the S&P 500 rose 5.15%, and Canada’s S&P/TSX Composite added 2.37%, while investors welcomed better-than-expected job growth and upbeat corporate earnings. With the Fed's next meeting scheduled for June, attention is turning to updated economic projections and what they may signal about the broader economy. From \$24 billion spent on Father's Day to the popularity of dining out and special outings, this month's by-the-numbers highlights how families celebrate the dads in their lives.

Melissa Moss is all about the real currency of life: connection, creativity, contribution… & sometimes cash. She is also a: 

05/31/2026

I’ve got an impersonator out there. It’s my username with an underscore at the end. They aren’t me. Please report.

05/28/2026

If you live in a zip code whose median income is below $150,000 and you have a minor, they will be eligible for a $250 gift from the Dells if they have a Trump Account. Children born between 2025 and 2028 will also get $1,000 seed money from the government. These launch July 4th.