Vision Capital Management

In 1999, Sue McGrath and Marina Johnson founded Vision Capital Management. Today, our firm is still employee-owned and majority female-owned, providing personalized financial planning and investment portfolios. #financialplanning #investmentmanagement #womenshistorymonth

📅 December 7 is the last day to change your Medicare drug or Advantage plan for 2027. Staying with your current plan may still be the right choice, but review the changes before deciding.

Turned 73 this year? Your first IRA distribution can wait until April 1, 2027. However, this creates two distributions in 2027, both taxable. Taking it by Dec. 31 spreads the income across two years. *For educational purposes only, not tax advice. Individual circumstances vary.

Receiving part of a 401(k) or pension in a divorce? Withdrawals made under a QDRO can avoid the 10% early withdrawal penalty. Roll the money into an IRA first, and that exception goes away. 🔗 go.vcmi.net/consult-schedule

Considering a Roth conversion before year-end? Timing matters. A conversion can increase taxable income and affect Medicare premiums later. If you’re considering one for 2026, the deadline is Dec. 31. Talk with your advisor before making a move.

Still working? Unused FSA dollars are generally forfeited at the end of the plan year. Enrolling in Medicare soon? HSA contributions must stop once you're on Medicare, and Part A can be backdated up to 6 months.

If you could choose one issue for your investments to reflect, what would it be? Clean energy, fair labor practices, women in leadership or something else? Your portfolio can be one more place to express what you care about: vcmi.net/about/esg

Taking RMDs and giving to charity? A QCD allows someone 70½+ to send money directly from an IRA to an eligible charity. When the requirements are met, the distribution can count toward your RMD without being included in taxable income. *Educational only, not tax advice.

After losing a spouse, a surviving spouse may qualify for the $500,000 home-sale capital gains exclusion if the home sells within 2 years of the spouse’s death and other IRS rules are met. 🔗 go.vcmi.net/consult-schedule

Vision Capital began in 1999 with a mother and daughter who wanted to serve clients without conflicts of interest. 25+ years later, we remain fee-only, employee-owned, and majority women-owned. Thank you for being part of our story.

AI can now clone a loved one's voice. Agree on a family code word, and if anyone asks for money or account information, hang up and call back on a number you already trust. 📅 Join our Cybersecurity webinar on October 21st to learn more. RSVP with the link in bio.

Having the money conversation with your adult children doesn’t need to be awkward or formal. A low-key chat over coffee on a Sunday morning is often the best place to start.

Divorce can change far more than how your assets are divided. Reviewing the financial and insurance pieces as part of the process can help you understand what needs to be updated and what options may be available to you.

Social Security planning is an important part of your retirement plan, especially for women who tend to outlive their spouses. If you’d like to run through your numbers with us, our team is happy to help: go.vcmi.net/consult-schedule

Medicare Open Enrollment begins Oct. 15. Before then, gather your: ✔️ Annual Notice of Change ✔️ Prescription list and dosages ✔️ Preferred doctors and specialists ✔️ Healthcare spending from this year Having this info gives you a better starting point to compare your options.

Grandparents often want to help their grandchildren pay for college. A 529 plan is one option. This content is for educational purposes only and does not constitute tax or legal advice. Please consult your tax and financial professional regarding your specific situation.

Does the Fed chair decide interest rates? No. Twelve members of the FOMC vote, the chair holds one of them. Governors serve staggered 14-year terms, which keeps rate decisions distant from the election calendar. 🔗 vcmi.net/blog/How%20the%20Fe…

Twenty-five years later, we continue to remember September 11, 2001. The day changed our country and touched countless lives. Today, we honor those we lost, those who responded, and the families and communities who carried on in the years that followed. Never forgotten.

September is National Preparedness Month. It’s a good reminder to create a financial go-bag with the documents and info your household may need. If you’d like help getting organized, our team can help you build a list: go.vcmi.net/consult-schedule