Montandon & Associates

If possible, avoid taking early withdrawals or loans from your 401(k). Taking money out of your account can offset the account’s tax advantaged benefits. bit.ly/3RK0Z8Y

While it may be tempting to “set and forget” your 401(k) investments, doing so may cost you in the long run. Let’s connect to review your portfolio and ensure it aligns with your risk tolerance, time horizon and goals. bit.ly/3RK0Z8Y

Wondering what to do with a 401(k) from a former employer? Together, we can assess your options and determine the best plan for you and your goals. bit.ly/3ZLkKzc

Does your employer offer a Roth 401(k) option? Saving after-tax dollars with a Roth 401(k) can help diversify the taxability of your investments in retirement. Let’s review and see if this strategy is right to you. bit.ly/3RK0Z8Y

Increasing your 401(k) contribution can help you reach your retirement savings goals faster. For 2023, employees under 50 years old can contribute up to $22,500 to their 401(k) plan. Those 50 and older are eligible for an additional catch-up contribution of $7,500 in 2023. bit.ly/3RK0Z8Y

Do you know the tax benefits of 401(k)s?
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Many employers will match an employee’s 401(k) contribution up to a certain amount. Does your employer offer a 401(k) match? If so, let’s work together to maximize this benefit. bit.ly/3RK0Z8Y

Great news: Montandon & Associates has earned the distinct honor of receiving the Ameriprise Financial Client Experience Award again in 2023! Montandon & Associates attained this level of distinction by consistently delivering outstanding client care, excellent service and personalized advice to help clients like you achieve their long-term financial goals. https://bit.ly/49fabZ3

An estate plan allows you to leave all or a portion of your wealth to a charity of your choice – and make a difference beyond your lifetime. https://bit.ly/3wxrbaD

If you plan to pass on your wealth to loved ones upon your death, the estate planning process can help you reduce the impact of taxes on your assets. https://bit.ly/3wxrbaD

By setting your own estate plan, you can avoid going through probate – a court process that would release your records publicly. https://bit.ly/3wxrbaD

Without an estate plan, your loved ones may be left to navigate complex legal and financial challenges. Thoughtful planning can simplify a difficult process for your family in the future. https://bit.ly/3wxrbaD

Montandon & Associates - Austin, TX: Ameriprise Montandon & Associates is an Ameriprise private wealth advisory practice in Austin TX. Get the personal financial advice you need.

We’re excited to announce that Forbes magazine has named Montandon & Associates as one of their 2024 Best-in-State Wealth Management Teams. We are so proud to work on a team where everyone is devoted to looking out for our clients, their families and all they’ve worked to achieve, especially when life becomes unpredictable. Join us in celebrating this magnificent accomplishment!

Montandon & Associates - Austin, TX: Ameriprise Montandon & Associates is an Ameriprise private wealth advisory practice in Austin TX. Get the personal financial advice you need.

End-of-life care is a difficult but important conversation to have between you and your loved ones. An estate plan allows you to specify your final wishes and establish special arrangements for your remains. https://bit.ly/3wxrbaD

With a documented estate plan, you decide the fate of your assets based on factors you feel are most important. https://bit.ly/3wxrbaD

If you or your dependents have been in the hospital or had other significant medical or dental expenses, keep the receipts — they could help reduce your tax bill.

Selling stocks at a loss can offset the taxes you would pay on other investment gains. This strategy is one way to use the tax code to reduce the sting of an investment loss.

Planning your financial goals for 2024? Get the latest on key themes to watch from the Ameriprise Investment Research Group. Reach out to discuss how these findings can help support you in the year ahead.

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Want to reduce your taxable income? Contribute to your retirement account. This easy, straight forward tax strategy can be used by most workers. Plus, you'll be one step closer to reaching your retirement goals.

Charitable contributions can be tax deductible, and you don’t have to give cash. Donations of clothes, food, or household items, for example, can lower your tax bill.

If you have a high-deductible health plan, consider using a Health Savings Account. This account offers tax benefits for today and tomorrow:

1. Contributions offer an immediate tax deduction
2. Earnings grow tax-deferred
3. Withdrawals used to pay qualified medical expenses are tax-free

Terry is one of a kind human, husband, dad and full ambition! He has my vote!

💚🌟📣 Luminary Sponsor! 📣🌟💚

We are thrilled to announce longtime supporters Montandon & Associates as a Luminary Sponsor for CPATH's 2023 Light The Path Fundraiser!

Montandon & Associates provides personalized advice and recommendations, as well as specific solutions for all your financial planning. Their expertise in wealth preservation strategies, retirement planning strategies, and family finances covers all bases!

Thank you Justin A. Montandon and your partners for helping CPATH achieve future goals for our programs and families!
❓Want to be a sponsor too❓
Click *here* to join the prestigious CPATH Sponsorship list now✅
https://hellofund.io/bidapp/index.php?slug=cpath #

🌟💚10.11.23🌟💚

Using tax-deferred investments can keep the money you would have otherwise paid in taxes at work in your portfolio. Let's talk about ways tax deferral could help your money grow faster.

As earnings season continues, investors are looking for signs of strength. Find out which factors could influence stock prices in the coming weeks.

Fourth Quarter Earnings Season Takes Center Stage for Investors | Ameriprise Newsroom 01/17/2023 Anthony Saglimbene Investors focus on corporate fundamentals and outlooks as 109 S&P 500 companies report results this week and next Major U.S. averages rose for a second-straight week, with the S&P 500® Index pushing back within a whisper of the 4,000 level by Friday’s close. In addit...

You may feel ready to retire but are your finances in order? Let’s review a retirement planning checklist to make sure your accounts are on track.

Financial checklist for retirement Discover how using a retirement planning checklist can help keep your organized. Speak with an Ameriprise advisor to help you prepare for your retirement.