Financial Education Resources

529 or UTMA for a grandchild? How grandparents can fund education and more, plus the financial aid rule change and gift tax limits families often miss.

When should you claim Social Security? Why break-even math falls short, how couples' choices affect survivor benefits, and what the trust fund shortfall really means.

High-net-worth retirees in Kentucky can optimize retirement income taxes by leveraging the Kentucky retirement income exclusion, Social Security tax exemption, and favorable inheritance tax rules. Explore strategies for withdrawal sequencing, Roth conversions, tax-efficient investing, and estate planning to minimize state and federal taxes and improve long-term financial outcomes.

Happy Birthday Spencer Financial Planning! As of June 2026, we are now six years old, huzzah! Let’s look at where we are, where we’ve been, and what’s cookin’ for the future!

Many investors misunderstand how capital gains taxes work. Learn when taxes are actually due, how short-term and long-term gains differ, and why asset type matters for brokerage accounts, real estate, and primary residences. Discover how thoughtful timing can reduce your tax burden and help you make better decisions before a tax bill becomes a surprise.