<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[WHWM]]></title><description><![CDATA[WHWM]]></description><link>https://www.walnuthillwealth.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Mon, 14 Sep 2026 12:35:28 GMT</lastBuildDate><atom:link href="https://www.walnuthillwealth.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[A Practical Way to Review Your Insurance Coverage]]></title><description><![CDATA[Insurance is one of the easiest parts of a financial plan to ignore. Policies get put in place, premiums get paid, and then nothing changes until something does.   As you review your insurance coverage in 2026, the goal is not to overhaul everything. It is to confirm that what you have still aligns with your needs.   Here is where to focus.   Start With Life Insurance Needs   Begin by asking a simple question. Has your need for life insurance changed?   Life insurance is typically tied to...]]></description><link>https://www.walnuthillwealth.com/post/a-practical-way-to-review-your-insurance-coverage</link><guid isPermaLink="false">6a908d92b26be70df8907178</guid><pubDate>Fri, 04 Sep 2026 11:00:07 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_4260ec795501434999354ac7996a5537~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[A Practical Way to Review Your Cash Flow]]></title><description><![CDATA[Most people know roughly how much they earn and how much they spend. What they don’t always know is whether those numbers actually work together.   As you review your 2026 cash flow, the goal is not just awareness. It is clarity. Understanding how consistently, predictably, and intentionally your money is being used.   Here is where to focus.   Start With Your Fixed Expenses   Begin with the costs that show up every month.   This includes rent or mortgage payments, HOA dues, fixed utilities...]]></description><link>https://www.walnuthillwealth.com/post/a-practical-way-to-review-your-cash-flow</link><guid isPermaLink="false">6a82268f0184b89c47fc3721</guid><pubDate>Fri, 21 Aug 2026 11:00:05 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_de84fbb1b5ee4f4a827fb4f500292d7c~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[The Goal Check That Makes Financial Planning Easier]]></title><description><![CDATA[Most people do not struggle with financial planning because they lack discipline. They struggle because they have too many competing priorities and no clean way to decide what matters most right now. That is where a structured goals review becomes useful. Not a vision board. Not a five-year manifesto. Just a straightforward way to think through what you are trying to accomplish and whether your current plan reflects it. You do not have to pursue every goal at once. You need clarity about...]]></description><link>https://www.walnuthillwealth.com/post/the-goal-check-that-makes-financial-planning-easier</link><guid isPermaLink="false">6a6cc25bbd59259eef885da9</guid><pubDate>Fri, 31 Jul 2026 15:43:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f07cfdd084cd413190cafd61f8e51597.jpg/v1/fit/w_960,h_640,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Building an Emergency Fund You Can Actually Count On]]></title><description><![CDATA[A few years ago, I had an acquaintance, whom I will call Dan, who proudly told me he had a rock-solid emergency fund. When I asked where he kept it, he said in the garage. I was confused, so I asked a few more questions. It turned out that his emergency stash was actually a collection of power tools he had planned to sell if things ever became difficult. When his transmission failed, the only thing he could convince anyone to buy was his lawn mower for a hundred dollars. Dan meant well, but...]]></description><link>https://www.walnuthillwealth.com/post/building-an-emergency-fund-you-can-actually-count-on</link><guid isPermaLink="false">6a638ad159dc3f2805c633c7</guid><pubDate>Fri, 24 Jul 2026 15:55:53 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/e3372aab11da4934a5d7f6e26fd52d95.png/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[A Smarter Way to Review Your Investments]]></title><description><![CDATA[Most people think reviewing investments means checking performance and moving on. Performance matters, but a real review goes further. It asks whether the portfolio still aligns with your goals, timeline, risk tolerance, and the practical role money plays in your life. A useful review does not start with returns. It starts with purpose. Reconfirm the Goal Before looking at holdings, confirm the portfolio's goals, time horizon, and objectives. Are you saving for long-term growth, funding...]]></description><link>https://www.walnuthillwealth.com/post/a-smarter-way-to-review-your-investments</link><guid isPermaLink="false">6a46966db176a354da80e719</guid><pubDate>Thu, 02 Jul 2026 16:51:10 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/34aef00a568e4c7db32033c39660ed8d.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[When Life Throws a Curveball: How to Handle Unexpected Expenses Without Losing Your Mind (or Your Savings)]]></title><description><![CDATA[Life has a knack for hitting us with a “surprise” bill just when we think we’ve got everything under control. The car’s transmission fails. The water heater bursts. Your dog decides to swallow a tennis ball. Or, my personal favorite, a tooth cracks on a popcorn kernel. Suddenly, your checking account feels like it’s playing hide and seek. The good news is that you can handle these financial surprises without panic or blowing up your long-term plans. With a bit of strategy and calm thinking,...]]></description><link>https://www.walnuthillwealth.com/post/when-life-throws-a-curveball-how-to-handle-unexpected-expenses-without-losing-your-mind-or-your-sa</link><guid isPermaLink="false">6a39baf8fa54cc84484ba8aa</guid><pubDate>Mon, 22 Jun 2026 22:47:01 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_63f54671ce1742cd9d88f18b1028328b~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[When You Review Beneficiaries, Make Sure the Paper Matches the Plan]]></title><description><![CDATA[Beneficiary reviews are one of the least glamorous parts of personal finance, which is precisely why they get ignored. People update wills, talk about trusts, and make thoughtful plans, then forget that many accounts transfer based on a separate set of forms that live quietly inside a custodian’s portal.   A beneficiary designation can do what it is designed to do: transfer an asset quickly to the named beneficiary. The catch is that it can also move an asset soon to the wrong person if it...]]></description><link>https://www.walnuthillwealth.com/post/when-you-review-beneficiaries-make-sure-the-paper-matches-the-plan</link><guid isPermaLink="false">6a26adf8579005354a9b93ad</guid><pubDate>Mon, 08 Jun 2026 11:57:29 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_7ae055a766814e4c87b8aac62815a028~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Selling Your Business Without Selling Your Soul]]></title><description><![CDATA[For many business owners, the day they hang up the “Open” sign for the last time is both thrilling and terrifying. Years of sweat, late nights, and maybe a few questionable marketing swag purchases have built something real. But how do you turn that into a successful sale or smooth succession plan? Let’s walk through the significant issues to think about—with a little story about the late, great Sam Walton to keep us grounded. Clean House Before You Invite Guests When Walmart founder Sam...]]></description><link>https://www.walnuthillwealth.com/post/selling-your-business-without-selling-your-soul</link><guid isPermaLink="false">6a11d9a1c9b7de4f2a1e11f2</guid><pubDate>Sat, 23 May 2026 16:46:18 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_4ebcd6f233944d21bd1ebb2be85c6e01~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[When You Review Your Estate Planning Documents, Start Here]]></title><description><![CDATA[Most people do not avoid reviewing their estate planning documents because they do not care. They avoid it because it feels like opening a drawer full of responsibilities. Important, yes. Urgent, not always. Easy, rarely.   A good review is not about rewriting everything. It is about confirming that the people you chose still make sense, the documents still work where you live, and the way assets transfer still matches your intentions. When those pieces are aligned, the plan tends to hold up...]]></description><link>https://www.walnuthillwealth.com/post/when-you-review-your-estate-planning-documents-start-here</link><guid isPermaLink="false">69fcce5c25e3fb6b30c91b09</guid><pubDate>Thu, 07 May 2026 17:40:21 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_168c6920be2d4c129f50f3df02413247~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Before You Update Your Estate Plan, Ask These Questions]]></title><description><![CDATA[Updating an estate plan is rarely about starting over. More often, it happens because life has moved on while the documents have stayed the same. Estate plans tend to age quietly. Families change. Assets evolve. Laws shift. Intentions mature. Then something brings the plan back into focus. A life event. A financial milestone. Or simply the realization that it has been a while since anyone looked at it closely. Before making updates, it helps to pause and ask a series of practical questions....]]></description><link>https://www.walnuthillwealth.com/post/before-you-update-your-estate-plan-ask-these-questions</link><guid isPermaLink="false">69ef51b0e72f74b1ddaa9cc8</guid><pubDate>Mon, 27 Apr 2026 12:09:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/4f2e25c53a964de5bf2a0520f56519d1.jpg/v1/fit/w_1000,h_922,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Getting Smart About Income from Your Taxable Accounts]]></title><description><![CDATA[If you’ve ever opened your year-end investment statement and wondered why your tax bill seems to have a mind of its own, you’re not alone. Taxable, non-qualified investment accounts—those outside IRAs and 401(k)s—can quietly complicate your finances. The income they generate affects not only your taxes but also things like Medicare premiums, Social Security taxation, and eligibility for certain credits. The planning guide outlines the main issues to review before year-end, and it’s a good...]]></description><link>https://www.walnuthillwealth.com/post/getting-smart-about-income-from-your-taxable-accounts</link><guid isPermaLink="false">69dd204c8946a7ddf46ecba8</guid><pubDate>Mon, 13 Apr 2026 16:58:08 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/60fdfe6793754ce694928508513beeba.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Making a Smart Decision With Your Next Dollar]]></title><description><![CDATA[At some point, everyone asks the same question. Where should my next dollar go? It might be a bonus, a raise, a tax refund, or simply a little extra room in the monthly budget. The instinct is to default to whatever feels responsible in the moment, or whatever you did last time. Save it. Invest it. Put it somewhere sensible and move on. The problem is that the correct answer varies depending on your situation. That is why a simple decision path can be more useful than a rule of thumb. The...]]></description><link>https://www.walnuthillwealth.com/post/making-a-smart-decision-with-your-next-dollar</link><guid isPermaLink="false">69cfe57af7044e6cf7ab73a0</guid><pubDate>Fri, 03 Apr 2026 16:07:37 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_ba1c92244c8042d782fb1f7f055e2014~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[A Retiree’s Guide to Reviewing a Tax Return]]></title><description><![CDATA[As you review your 2025 tax return in 2026, resist the urge to focus only on whether you owed money or received a refund. For retirees, a tax return does more than settle last year’s bill. It shows how distributions, deductions, investment income, and tax thresholds are interacting.   Retirement income is layered. That makes a careful review more important, not less.   Here is where to focus.   Start With Filing Status and Standard Deductions   Begin at the top of Form 1040 and confirm your...]]></description><link>https://www.walnuthillwealth.com/post/a-retiree-s-guide-to-reviewing-a-tax-return</link><guid isPermaLink="false">69b572685f6a1e874c56f10b</guid><pubDate>Sat, 14 Mar 2026 14:37:02 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/599cfc36e9e64341811ef890e64f1c32.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[A Working Professional’s Guide to Reviewing a Tax Return]]></title><description><![CDATA[As you review your 2025 tax return in 2026, resist the urge to look at just one number. Whether you received a refund or wrote a check, that result is only the headline. The return itself tells a much fuller story.   Your 2025 return captures income decisions, credits claimed, deductions taken, and tax exposure that will influence the year ahead. For working professionals, this is the moment to step back and use the return as a diagnostic tool rather than a filing requirement.   Here is where...]]></description><link>https://www.walnuthillwealth.com/post/a-working-professional-s-guide-to-reviewing-a-tax-return</link><guid isPermaLink="false">69a61782fe2730c0413526e5</guid><pubDate>Mon, 02 Mar 2026 23:04:59 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/f88af77f324088809136bcb87a12cbb6.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Capital Gains vs. Roth Conversions: Which Tax Move Packs a Smaller Punch?]]></title><description><![CDATA[If tax planning had an amusement park, the line for “Harvest Capital Gains or Do a Roth Conversion?” would still be the one where everyone reads the warning sign, shrugs, and gets in line anyway. Both strategies have their moments, both can save real money, and both can make your tax return a little spicier than you might prefer. The challenge in 2026 is figuring out which option leaves the lighter footprint. Let’s walk through the thinking with updated income thresholds, clearer reasoning,...]]></description><link>https://www.walnuthillwealth.com/post/capital-gains-vs-roth-conversions-which-tax-move-packs-a-smaller-punch</link><guid isPermaLink="false">698f4d14c6422c8cacd29f98</guid><pubDate>Fri, 13 Feb 2026 16:12:41 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/17a6c43aa24617102fd6638c0085cccd.jpg/v1/fit/w_1000,h_800,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Your RMD Does Not Have to Be a Surprise]]></title><description><![CDATA[Required Minimum Distributions have a way of feeling like a rule someone else invented for someone else, right up until the year it applies to you. Then it suddenly becomes very personal, very real, and very connected to your tax bill. A good RMD review is not just about making sure a withdrawal happens. It is about making sure the withdrawal supports your cash needs, your investment strategy, and your tax planning for the year. Asking the right questions early can keep the process from...]]></description><link>https://www.walnuthillwealth.com/post/your-rmd-does-not-have-to-be-a-surprise</link><guid isPermaLink="false">6980d0c07d65a48c51b30745</guid><pubDate>Mon, 02 Feb 2026 16:30:11 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/cd7692e8cbcc4b74aedb63ac0ba817be.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Getting Your Tax Documents Together Without the Last-Minute Scramble]]></title><description><![CDATA[Tax season is often stressful, but most of that stress comes from one factor. Scrambling. Searching. Wondering whether a form exists and hoping it does not. A smoother filing experience usually starts well before you sit down with your tax software or your preparer. Gathering documents in advance helps ensure your return is complete, accurate, and not delayed by a missing form that arrives after you thought you were finished. Rather than thinking about this as a checklist you must conquer in...]]></description><link>https://www.walnuthillwealth.com/post/getting-your-tax-documents-together-without-the-last-minute-scramble</link><guid isPermaLink="false">696e47b397eedde805ea0f7f</guid><pubDate>Mon, 19 Jan 2026 15:06:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_712cd6375db946ba91fba49bf58d3cb8~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[A New Year, a Fresh Look at Your Finances (No Gym Membership Required)]]></title><description><![CDATA[The start of a new year often prompts reflection. Suddenly, we are optimistic, organized, and confident that this will be the year we finally use that budgeting app we downloaded three phones ago. While New Year’s resolutions usually focus on health or productivity, January is also an ideal time to take a thoughtful look at your finances. Not a dramatic overhaul. No drastic moves. Just a clear-eyed review to make sure your plan still fits your life. Think of it as a financial check-in rather...]]></description><link>https://www.walnuthillwealth.com/post/a-new-year-a-fresh-look-at-your-finances-no-gym-membership-required</link><guid isPermaLink="false">695ecc1f02fef142333cbcb9</guid><pubDate>Wed, 07 Jan 2026 21:13:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/8d589d5155694606981a348a27ef4f81.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[The One Big Beautiful Bill Act: What It Means for Your Wallet]]></title><description><![CDATA[If you’ve ever stared at your tax return and wondered if it was written in runes, the One Big Beautiful Bill Act (OBBBA) won’t fix that, but it does change a lot, starting with the 2025 tax year. Here’s what matters for planning, with the key years and income limits spelled out. Retirees and Near-Retirees Starting in 2025, there’s a new senior deduction of $6,000 per eligible person. It phases out starting at $75,000 of modified adjusted gross income (MAGI) for single filers and $150,000 for...]]></description><link>https://www.walnuthillwealth.com/post/the-one-big-beautiful-bill-act-what-it-means-for-your-wallet</link><guid isPermaLink="false">6949928fd4fba6e402a4a0a0</guid><pubDate>Mon, 22 Dec 2025 18:50:20 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_afc56c8cc31c46eeabbec328b1a08736~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item><item><title><![CDATA[Retirement Readiness: What to Review Before Your Last Day of Work]]></title><description><![CDATA[Retirement is one of life’s biggest transitions. While it’s tempting to picture it as the day you swap your office chair for a hammock, the reality involves important financial, healthcare, tax, and lifestyle decisions. Careful planning can prevent unpleasant surprises and help you step into this new chapter with confidence. Cash Flow and Income Planning The first priority is understanding how money will flow once the paychecks stop. A clear income and expense plan keeps your nest egg from...]]></description><link>https://www.walnuthillwealth.com/post/retirement-readiness-what-to-review-before-your-last-day-of-work</link><guid isPermaLink="false">693c262838266d8ba623b32b</guid><pubDate>Fri, 12 Dec 2025 14:28:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/11062b_6231b9d477cb4fb997de23cc21ef4a95~mv2.jpeg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>stephenbodwell</dc:creator></item></channel></rss>