What’s lurking in your retirement plan that could derail your best year ever—taxes, surcharges, or missed goals? In this episode, JoePat Roop reveals why setting actionable goals beats making empty resolutions, and how understanding tax pitfalls can help you keep more of your hard-earned savings. From building a one-page income plan to navigating Social Security and Medicare surprises, get practical insights for taking control of your financial future in 2026.

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Are you ready for the year-end financial countdown? This episode with JoePat Roop dives into last-minute tax strategies, the pros and cons of Roth conversions, and how Social Security timing can impact your retirement plan. Discover why personalized planning matters, how new tax laws could affect your future, and what to consider when leaving a legacy for your loved ones.

For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com!

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What’s really on your retirement Christmas list this year? In this episode, JoePat Roop unpacks the end‑of‑year crunch many adults feel—balancing holiday chaos, financial to‑dos, tax deadlines, and big‑picture retirement goals. From Roth conversion timing to creating tax‑efficient income and mapping out long‑term legacy intentions, the conversation highlights how clarity, preparation, and honest evaluation can shape the retirement season ahead. It’s a practical look at turning your “wish list” into meaningful planning steps.

For more information or to schedule a consultation call 704-946-7000 or visit BelmontUSA.com!

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