From Tax Savings to Lasting Impact: Making Giving a Family Affair

We have all heard, “lessons are better caught than taught.” As a family, we have had fun including our kids in our goal to be a generous family. From hosting people in our home to serving together in the community to finding ways to invest our money in people and causes we care deeply about; we have tried to do what we can to include our kids in the process. While we are trying our best as parents to instruct our kids, the lessons that stick are often when they see something good or bad, in their parents. Maybe you can relate!

Many of our clients want to do more than invest their money in people and causes, they want to pass on the joy of giving to the next generation, too! One of the fastest growing way to give is through a Donor-Advised Fund (DAF). It’s easy to set up, offers significant tax advantages, and—best of all—can involve your entire family in making a thoughtful, lasting impact.

What's a Donor-Advised Fund (DAF)?

A DAF is like a charitable investment account. You contribute cash, stocks, or other assets, receive an immediate tax deduction, and then recommend grants to nonprofits over time. The funds can grow tax-free while you plan your giving.

With today’s high standard deduction ($14,600 for individuals, $29,200 for married couples in 2025), many donors no longer itemize deductions annually. That’s where "bunching" comes in: You can contribute several years' worth of charitable giving to your DAF in a single year, itemize the deduction for that year, and then give gradually from that account over time, taking the standard deduction for years you won’t exceed the deduction limits by itemizing. This strategy provides a larger tax break without changing your actual giving goals.

How to Involve Your Family

1. Start the Conversation

Talk about why you give. Share a story or show your kids a video of a need and ask what causes they care about too.

2. Let Them Recommend Grants:

Each family member can help direct a portion of the fund—making giving a shared and meaningful activity.

3. Pass the Torch

You can name your children or grandchildren as future advisors to your DAF, continuing your legacy of generosity.

A Legacy That Lives On

A DAF is more than a financial tool—it’s a bridge between wise planning and heartfelt impact. It allows you to give smarter, involve your family, and support great causes a sustainable, tax-wise way. Want to learn more? Let’s chat.

Jeremy Heavey| AIF ®, NSSA®

Financial Advisor

This material and the opinions voiced are for general information only and are not intended to provide speciﬁc advice or recommendations for any individual or entity. To determine what is appropriate for you, please contact your Rose Street Financial Professional. Information obtained from third-party sources are believed to be reliable but not guaranteed. The tax and legal references attached herein are provided with the understanding that neither M Financial Group, nor its Member Firms are engaged in rendering tax, legal, or actuarial services. If tax, legal, or actuarial advice is required, you should consult your accountant, attorney, or actuary. Neither M Financial Group, nor its Member Firms should replace those advisors.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 4613023

When our oldest got her first job, we were thrilled for her! As her parents, we were trying to balance being excited while helping her learn how to manage the bigger paychecks than she had seen in the past from babysitting and other odd jobs. As your teen(s) start earning their own money, guiding them through a few key financial moves can set them up for future success. Here are a few ideas to get them started on the right track!

1. Help Them Set Up a Budget and Track Spending

With that first paycheck comes the responsibility of managing money. Encourage them to create a budget that lists their income and expenses—think car expenses, cell phone bill, donations, college savings and of course, all those fun extras. Just like us adults, a solid budget will help them keep tabs on where their money is going and make sure they’re living within their means. There are plenty of budgeting apps and tools out there that can make this task easier and even a bit enjoyable.

Budgeting tips to share:

• Start with a basic budget or recommend a budgeting app.

• Emphasize the importance of including savings in their budget so they get used to living on less than they make from the beginning.

• Suggest reviewing and adjusting the budget regularly as their financial situation evolves.

2. Encourage Building an Emergency Fund

As we know, life has a way of throwing unexpected expenses our way and it is important for them to start planning for unexpected expenses (or even opportunities like participating in a fun experience with their friends). Advise them to save up enough to cover three to six months of normal expenses in a separate savings account. This emergency fund will act as a financial safety net, helping them not always coming to their parents when those surprises come up.

How to build an emergency fund:

• Help them set a savings goal based on their monthly expenses.

• Suggest setting up automatic transfers to their savings account each payday.

• Remind them that even small, consistent deposits will grow over time.

3. Talk About Starting Retirement Savings

It might seem far off, but starting to save for retirement now can make a huge difference later on financially and even mentally, teaching them the discipline to live on less than they make. As soon as your teen has an earned income and needs to file a tax return, they are now eligible to contribute to a Roth IRA. Your teen can put up to the annual max, or their actual earned income, whichever is lower. You (or a grandparent) could even offer a matching program! For every dollar they put in, the parent puts in a dollar. The earlier they start, the more they’ll benefit from compound interest. Don’t forget, if needed, they can withdraw the basis (amount they contribute, not the growth) at any point without a penalty.

Retirement savings advice:

• Recommend opening and beginning to fund a Roth IRA.

• If they have a company retirement plan that they are eligible for, encourage them to consider contributing enough to their 401(k) to get any

employer match.

• Suggest aiming to invest around 10-15% of their income for retirement.

Wrapping Up

Helping your teen navigate their first job and their new financial responsibilities can make a big difference in setting them up for a successful future. By guiding them through budgeting, building an emergency fund and starting retirement savings, you’re giving them the tools they need to thrive financially. Your support and advice will help them tackle these early financial steps with confidence and prepare for a bright future ahead.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File #6968916.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations. He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School. Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching. Jeremy, his wife Kim and their 4 kids reside in Kalamazoo. They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family.

Fun fact: Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk

It is officially Summer! Favorite summer past times of grilling burgers, hotdogs, swimming, boating, gardening, camping and just spending time outside is here. A staple in many American refrigerators in the summertime, and throughout the year, is Ketchup. Ketchup has a way of giving those grilling favorites that much needed edge to just simply make it better. Just like ketchup gives our grilling favorites the edge needed, catch-up contributions in a 401k can serve the same purpose.

If you or someone you love is still working and is or going to turn 50 this year, while the normal contribution limit to a 401k/403b plan is $23,000 for 2024, those 50 and older can make catch-up contributions of an additional $7,500, totaling $30,500. The extra amount contributed can really give an investor’s portfolio the extra boost needed to stay on track or get back on track for retirement goals.

On December 29, 2022, Congress passed the SECURE 2.0 Act, which stands for Setting Every Community Up for Retirement Enhancement. Several of the provisions outlined in the act have delayed start dates. Beginning in 2025, Section 109 of the SECURE 2.0 Act allows employees who are 60-63 years old to contribute at a “super” catch-up rate! The super catch-up allows for investors to make an additional 50% increase to the $7,500, which would result in $11,250 in additional catch-up contributions in 2025. This catch-up contribution is planned to index to inflation and could mean possibly more contributions in future years.

If you have questions or want to learn more, please reach out and let's chat.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 6718069.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Fun fact: Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk

Are you looking for a Financial Advisor in Kalamazoo? Finding the right financial advisor to partner with you and your family is crucial in helping you work towards your goals. Whether you're planning for retirement, managing investments, seeking advice on holistic financial planning or all of the above, a skilled financial advisor is a critical part of your team. As you are seeking to find the best financial advisor for YOU, consider these 5 tips:

1. Define Your Financial Goals

Before you start your search for a financial advisor, it's crucial to have a clear understanding of your financial goals and objectives. Are you looking for retirement planning, investment management, debt reduction strategies, or comprehensive financial planning or maybe some or all of the above? Knowing your specific needs will help you narrow down your search and find an advisor with expertise in the areas that matter most to you.

2. Learn How they Are Licensed

When considering potential financial advisors, it's essential to learn how they are licensed. There are 2 distinct ways to be licensed, as a fee-based fiduciary advisor or a commissioned-based broker. Depending on your needs and desires, one might be a better fit than the other. Look for advisors who hold reputable certifications such as Certified Financial Planners (CFP), Certified Financial Analysts (CFA) or Accredited Investment Fiduciaries (AIF). These designations require education, experience, and ethical standards, ensuring that your advisor has the necessary expertise to provide sound financial advice.

3. Seek Recommendations and Referrals

One of the most reliable ways to find a trustworthy financial advisor is through recommendations from friends, family, or colleagues who have had positive experiences. Ask people in your network if they can recommend an advisor they trust and/or ask your advisor if they can share some references you can contact. Additionally, you can consult with professionals in related fields, such as attorneys or accountants, who often work with financial advisors and may provide referrals.

4. Interview Potential Advisors

Once you've compiled a list of potential advisors, schedule initial interviews or consultations. Advisors who are serious about working with you will usually provide a complimentary consultation. This is an opportunity to get to know the advisors and assess their compatibility with your financial goals and personal values. During these meetings, ask questions about their investment philosophy, fee structure, and client services. Pay attention to their communication style and willingness to listen to your concerns and objectives.

5. Understand Fee Structures

Financial advisors charge in various ways, including commissions, flat fees, hourly rates, or a percentage of assets under management. It's essential to understand how your potential advisor charges for their services and how this fee structure aligns with your financial situation, goals and preferences. Be transparent about your expectations to ensure there are no surprises down the road.

Choosing the right financial advisor in Kalamazoo is a significant decision that can have a lasting impact on your financial well-being. By defining your goals, checking qualifications, seeking recommendations, interviewing potential advisors, and understanding fee structures, you can make an informed choice that aligns with your financial objectives. Remember that trust, compatibility, and open communication are key factors in building a successful advisor-client relationship.

At Rose Street Advisors, we often tell our clients and potential clients that the more we know about them, the better we can put together a tax-efficient holistic financial life plan, build and manage a diversified portfolio and serve as their personal CFO, helping guide them towards their goals. Want to know more? We are always happy to have a chat.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 6439955.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Jeremy is passionate about partnering with individuals and families to identify what is important in their lives and creating a comprehensive financial strategy to help them reach their life goals. This holistic approach allows Jeremy and the wealth management team to ensure the specific needs of the client are front and center as they make investment recommendations and collaboratively design custom-tailored financial plans. Jeremy has a professional track record starting, leading, and managing for-profit and non-profit organizations. He is a graduate of Taylor University and has completed business programs at both Hong Kong Baptist University & Harvard Business School. Jeremy is also formally trained and certified in behavioral assessment, conflict management and life coaching. Jeremy, his wife Kim and their 4 kids reside in Kalamazoo. They love spending time exploring the outdoors, fixing up their farmhouse, and living life with friends and extended family. Fun fact: Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk

Less Tax for You. More Money to the Charity. Nothing for the Government. What’s not to love?

When you reach 73 years old, you are required to start taking minimum distributions from your traditional IRAs and certain other retirement accounts. These distributions are generally subject to income tax. If you are charitably inclined, you may be able to satisfy all or a portion of your required minimum distribution, lower your taxable income and give more to the charity by utilizing a special provision called a Qualified Charitable Distribution (QCD). A QCD allows you to donate funds directly from your traditional Individual Retirement Accounts (IRAs) to eligible charitable organizations. The donated amount counts towards your Required Minimum Distribution (RMD) for the year AND is excluded from your taxable income. This can result in a lower overall tax liability for you and potentially more money going directly to the charity.

As you seek ways to help to optimize your financial situation while making meaningful contributions to society, QCDs provide a versatile tool to achieve both objectives. Before making any decisions, it's important to consult with a professional advisor who can help tailor this strategy to your specific circumstances and charitable goals. With proper planning, QCDs can serve as a win-win solution for retirees and the charitable organizations you support.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 5922845.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Fun fact: Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk

A few years ago, I bought a smoker to smoke meat. If you have ever smoked meat, you know that it takes a LONG time to cook, but it is SO worth it! And because it takes so long, we typically smoke more meat than we need to so there are leftovers for days to come. The leftover smoked meat makes incredible chili, tasty omelets, sandwiches and who knows what! As a busy family with 4 kids, really good food that is leftover isn’t leftover for long! If you have kids that are considering college, you have probably thought about ways to pay for it. A popular option, for good reason, is a 529 Plan. A 529 is a tax favored account for education that grows tax-free and is not ever subject to tax if used for eligible education expenses. 529 Plans are state-specific, with each state having its own rules and limits*. But that is for another article! For many of our clients, they have invested some money in a 529 plan but find themselves wondering – what happens if my kid doesn’t go to college, or we don’t spend all of it? What do we do with the leftovers?

1.) Child's post-graduate education.

Most 529 plans allow this, so it's a great way to continue saving for your child's future education.

2.) Transfer the funds to another beneficiary.

This can be another child, grandchild, or even yourself if you decide to go back to school. As long as the new beneficiary is a qualified family member (spouse, son, daughter, son-in-law, daughter-in-law, niece, nephew, or their spouse, etc), you can use the funds for their education.

3.) Allocate up to $10k to be used for K-12 education expenses.

A new law in 2018 allows for private school tuition, books, and other related expenses to be paid with the leftover funds.

4.) Other education options.

Such as vocational schools, trade schools, and apprenticeships.

5.) Roll up to $35k* (lifetime limit per beneficiary) into a Roth IRA.

Beginning 2024 for the benefit of the student (not the parent or grandparent who funded the account). *there has been some information released (in the SECURE Act 2.) at the end of December 2022) on the age of the 529 plan account, limits, etc but we are still waiting on some clarification from the Government on specifics.

6.) Withdraw the funds.

But be aware that if you use the funds for non-qualified expenses, you will have to pay taxes on the earnings and a 10% penalty. So, it's important to consider all other options before withdrawing the funds. There are several options for what to do with leftover funds in your 529 plan. Sometimes having leftovers is a great problem to have! If you have questions, let’s chat…over lunch at a BBQ place! *Before investing, the investor should consider whether the investor or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 5646225.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Interested in more?

Let's Talk

When I was 13 years old, I wanted to learn how to play the drums. I didn’t just want to play the snare drum alone, that’s boring. I wanted to rock out on the whole kit! When I first sat down and tried to play a full drum beat, it was overwhelming – how in the world am I going to get all my limbs doing different functions and actually have it sound good? The music teacher just told me to take a small step of practicing just 10-15 minutes a day. I started with just playing the hihat with my right hand and played that for a while until my brain put it on “auto-pilot” of sorts. Then I could add in the bass drum with my right foot. When playing the hi-hat and bass drum together started to become comfortable, I finally, after a bunch of tries, got the snare drum added with my left hand. I was playing a full beat! While I didn’t wake up a recording artist the next day, it was amazing how the small step of playing 10-15 minutes a day helped me achieve my goal! When we meet with new clients, they often share that their goal is to save enough money while working so that they can retire. We often hear, “how much should I be saving for retirement to be “on track?” While that prompts more questions like – how old you are now, what age do you want to retire, how much do you want to spend in retirement, will you earn some income in retirement, etc, a good number to target is at least 15% of your gross income. Why 15%? A recent study by Fidelity showed that if individuals invest 15% of their gross income into retirement, they can retire or stop having to earn an income at 67. A few questions might be coming to your mind right now….

1.) I have been investing, but I don’t know what percentage I have been using. How do I know if I am on track?

That same study by Fidelity shows a glidepath (in the chart below) for how much you should have saved by different ages to retire by 67. For example, by age 45, they suggest having 5x your income saved for retirement. By 50, 6x your income saved. How did they get to those numbers? They took 15% of the investors salary over their working years and added in an 8% growth rate.

https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire

2.) The second question on your mind might be - I know I am behind.

If you are behind, we would likely recommend saving more than 15% to start catching up. It is certainly easier said than done! Cutting back a little spending now so you can invest more goes a long way with the power of compound growth. There are a lot of ways to “catchup” - employer-sponsored plans, individual retirement accounts, HSAs, brokerage accounts, and insurance products. If you are 50 and over, the government allows some options for making additional catchup contributions for some employer-sponsored plans and Individual Retirement Accounts in a tax-deferred or post-tax manner. Depending on your income, it might make sense to make those retirement investments in a before tax or after-tax manner. Would you benefit from knowing what small steps make the most sense for you right now? Let’s chat. Wherever you are on your retirement journey, taking small steps towards your goal leads to big results…over time

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 5595458.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Interested in more?

Let's Talk

In June of 2020, our family was on the hunt for a large vehicle that could fit our 4 growing kids and tow our camper. We found the perfect late model Yukon XL posted by a private owner on Facebook Marketplace in Chicago. After a test drive, inspection and asking questions about it, it seemed to check out, drive well and had lower miles and a better price than others we saw online. On the way home to Michigan from Chicago, the check engine light started blinking…when a light blinks, that is usually not a good thing. We immediately pulled over and had the car scanned to learn the reason for the blinking and learned…the transmission was going out. Yikes. Apparently, the car had to warm up more than a 20-minute test-drive to present the problem. We called the person we bought it from to get some context and he replied, “We sold it as is. We gave you a good deal on it.” Yikes. We have purchased many cars over the years and never had this experience. When we meet with new clients, we often get questions like, how much should I be saving on a regular basis? Certainly, each client’s situation is unique and requires a different strategy, but a great number to shoot for is 10% of your gross income into a high-interest savings account. Why?

1. It prepares you for when the unexpected happens.

You never know when an unexpected expense pops up. It is also great to have savings because unexpected opportunities (deals on a vacation spot, a chance to see your favorite sports team, etc) might pop up. Having the money in a separate account typically takes 3 business days to get into your account, causing you to really consider whether you want to spend the money before calling in the reserves!

2. It protects you in the event that you lose your income.

We like to see clients have 4-6 months of their bare-bones expenses saved. If you lose a job, it allows you the opportunity not to rush into taking the first job that comes your way because you can live off your own savings – paying yourself. When you calculate bare bones expenses, include your housing, food, car payments, insurances – car insurance, health insurance, homeowners, life insurance and other basic expenses.

Securities and Investment Advisory Services offered through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File # 5492217.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Interested in more?

Let's Talk

You may have read about the SECURE Act 2.0 that passed in late December as part of the Consolidated Appropriations Act. This is the most extensive retirement plan legislation we have seen in years. The main objectives include increase the availability of retirement plans, help people save more, streamline retirement plan rules, and help individuals preserve income in retirement. The SECURE Act 2.0 has a plethora of provisions, some major and some minor; some mandatory and some optional; some retroactively effective and some won’t be effective for years to come. And some with unanswered questions. Below are the provisions we believe to be the most impactful and it’s now time to begin planning. However, there is a lot more guidance we need from the IRS and Department of Labor before we can fully give analysis of the nearly 90 provisions and how they may impact you as an individual investor on a day-to-day basis. If you are a participant in an employer sponsored plan, guidance from record keepers and plan administrators is also required on how several provisions will be implemented. Now it’s time to begin planning for provisions currently effective along with those slated for the coming years. Our list of the most impactful provisions listed by effective date is as follows.

Effective Immediately - 2023

• New exclusions to the 10% early withdrawal penalty - qualified disaster, qualified birth or adoption and terminally ill • Employee may self-certify hardships • Employers may permit Roth match • Required Minimum Distributions (RMD) bumped to Age 73 • Simple and SEP Roth contributions allowed

Effective 2024

• Tax & Penalty Free Rollovers from 529 to Roth IRA - capped at $35,000 and account must be opened for 15 years. • If earning > $145k, catch up contributions must be Roth (Note: a significant technical error in bill, if not fixed, would eliminate the ability for 401(k) participants to make catch-up contributions in 2024. Treasury Department have been altered) • IRA catch-up of $1,000 begins to index with inflation • Employer may match student loan payments • No RMD for Roth 401(k) and 403(b) • Retirement Savings Lost and Found • New exclusions to 10% early withdrawal penalty - Emergency Distribution of $1,000 AND Domestic Abuse

Effective 2025

• Catch up contributions increased for savers ages 60-63

Effective 2026

• New exclusions to 10% early withdrawal penalty - Qualifying Long Term Care Insurance Premiums

Effective 2027

• Refundable Savers Credit - max of $2,000 for low-income savers. Credit deposited into retirement savings.

Effective 2033

• RMDs bumped to Age 75 We continue analyzing the provisions and will share comments as guidance is received. In the meantime, please reach out if you have questions.

The tax and legal references attached herein are designed to provide accurate and authoritative information with regard to the subject matter covered and are provided with the understanding that Rose Street Advisors is not engaged in rendering tax, legal, or actuarial services. If tax, legal, or actuarial advice is required, you should consult your accountant, attorney, or actuary.

Rose Street Advisors does not replace those advisors.

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc. A Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. Rose Street Advisors, LLC is independently owned and operated. File #: 5442889.1

Scott Higgins

AIF®, CFP®, CPFA® | Financial Advisor

Since 2012 at Rose Street, Scott has been responsible for helping the firm’s individual wealth management clients with income strategies for retirement and consulting with employers with their employee retirement plans. In free time, he enjoys golf, biking, skiing, cooking, and traveling. Fun fact, Scott has a hobby of filling growlers with coins!

Jeremy Heavey

AIF® | Financial Advisor

Interested in more?

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Can you picture your last day of work? What will you be feeling? What will you be thinking? What will be the look on your face when you leave work for the last time? My dad, John W Heavey, started as a firefighter on Sept 3, 1974 and worked hard for 33 years until he retired at the top of his game as Fire Chief on Sept 3, 2007. The picture above is on his last day as Fire Chief. From delivering babies, cutting people out of crushed cars, pulling people out of houses on fire, providing fire safety instruction to kids in schools, putting on SCUBA gear for water rescues, buying fire trucks and leading teams, he made a big impact! What an awesome career! While he was working, he was also emotionally, vocationally, and after meeting with a financial advisor, financially preparing for retirement. On his last day, he was content, grateful and confident, looking forward to the last day of work and the FIRST DAY of the rest of his life. He is now continuing his impact and legacy while enjoying his 16th year of retirement.

When we meet with clients, we often hear, “Do I have enough? How much should I be saving? Where should I be saving - should I just put my money in a target retirement fund? When can I retire? When should I take Social Security?” When you get to your last day, can you IMAGINE waking up with a grateful, humbly confident smile, knowing that you have worked hard and made a difference, AND are also financially prepared; ready to tackle that next season?

When we guide our clients through the Rose Street Advisors’ 7 Step Financial Life Planning Process, we have heard that they feel more confident, energized about the direction they are headed financially and have more peace, knowing a CLEAR path forward. Our team loves to FIGHT for our clients, developing plans and tax-efficient strategies to maximize every dollar they own. Are you over 50? Are you nearing retirement and would appreciate the confidence that comes from a complimentary review on your current financial life? Our team just kicked off Jan 2023 making a few tweaks to a client’s financial strategy and was grateful to share with the client that the changes would add hundreds of thousands of dollars to their net worth. It would bring us great joy to roll up our sleeves alongside you to develop a plan for the FIRST DAY of the rest of your life.

Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Advisor. Member FINRA/SIPC. Rose Street Advisors is independently owned and operated. #5434779.1

Jeremy Heavey

AIF ® | FINANCIAL ADVISOR

Fun fact: Jeremy has been playing drums since he was 13 years old and made callbacks for the Blue Man Group.

Interested in more?

Let's Talk

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