Lisa Ward CFP

A new investment account for kids? 👶📈

The new Trump Account gives eligible children born between 2025 and 2028 the opportunity to start investing with a $1,000 government contribution after the account is activated.

Here's what parents should know:

💵 Starts with a $1,000 federal contribution for eligible children

📈 Invested in a diversified fund of U.S. companies

⏳ More time invested = more opportunity for compound growth

But before you jump in, ask yourself:

✔️ Are you maximizing your retirement savings?

✔️ Have you built an emergency fund?

✔️ Would a 529 plan also fit your goals?

The best investment strategy isn't just about opening another account, it's making sure every dollar is working toward your family's long-term goals.

Follow Plumb Financial for practical financial planning tips designed to help you build lasting wealth.

Happy 4th of July!

Hope you all have a wonderful weekend!

Thankful for this beautiful country and those who fought for our freedom!

Cheers to the red, white and blue! ❤️🤍💙

📢 Student loan borrowers update!

Starting July 1, 2026, eligible federal Direct Loan borrowers enrolled in Auto Pay can receive a 1.00% temporary interest rate reduction (up from 0.25%).

That means:

✔️ Less interest paid over time

✔️ More of your payment goes toward principal

✔️ More room in your budget to build wealth

Here's your financial checklist:

💰 Enroll in Auto Pay (if you're eligible)

📊 Review your repayment plan

🏦 Consider whether an Income-Driven Repayment plan fits your situation

📈 Invest the monthly savings instead of increasing your spending

Building wealth isn't just about earning more, it's about making smart decisions with the money you already have.

Small improvements today can make a meaningful difference over the years.

Follow Plumb Financial for practical financial planning strategies designed for wealth builders.

Business owners 👇

If you're behind at mid-year...

Don't wait until Q4 to figure it out.

Review:

✔️ Revenue vs goal

✔️ Cash flow and reserves

✔️ Hiring and delegation bottlenecks

✔️ Personal wealth goals vs business goals

And here's the big one:

💡 What is your business worth today?

Most owners don't know.

But if your business is your largest asset, you should know its value long before you want to sell it.

The best exits are planned.

Not rushed.

Build value now so you can sell on your terms later.

Schedule time with Lisa https://calendly.com/plumb-financial

When should you start taking retirement planning seriously?

Your 30s, 40s and 50s.

Not because retirement is around the corner...

But because these years can have the biggest impact on your future.

Ask yourself:

✔️ Am I saving enough?

✔️ Am I maximizing retirement accounts?

✔️ Do I know what retirement income will look like?

✔️ Am I building wealth intentionally?

Here's the real goal:

To reach a point where you work because you WANT to—not because you HAVE to.

That's what financial freedom feels like.

Schedule time with Lisa https://calendly.com/plumb-financial

Your estate plan may be complete...

But is it current?

This mid-year, review these 4 things:

✔️ Estate documents

✔️ Beneficiary designations

✔️ Trust funding

✔️ Family communication

Here's what many families miss:

The documents matter.

But so do the conversations.

Schedule a Family Fire Drill 🔥https://calendly.com/plumb-financial

Review:
• Who does what
• Where documents are stored
• Your wishes and intentions
• What happens if something changes

Clarity prevents conflict.

And protecting relationships is one of the most important parts of legacy planning.

Half the year is gone. 📅

Before you blink and it's December...

Take 15 minutes and check these 4 things:

✔️ Are you on track with your savings goals?

✔️ Are your automatic investments still set correctly?

✔️ How much have you contributed to your 401(k), IRA, or HSA?

✔️ Has lifestyle inflation quietly increased your spending?

Schedule Blueprint Call with Lisa https://calendly.com/plumb-financial

Wealth isn't built in one big decision.

It's built through small adjustments repeated consistently.

You still have six months left to make this year count.