KDI Wealth Management

04/03/2026

April is Financial Literacy Month! Join us at noon on Friday, April 10 for episode 29 of the KDI Wealth Alchemist. KDI Wealth Financial Advisors Dylan Justice and Heidi Oakley share real life financial scenarios that may make you think about how you handle your day to day finances – are you taking advantage of the perks your employer offers? It could pay off in the long run!

04/02/2026

Have you ever looked at your finances and thought, everything seems fine, yet still felt unsure about the next move?

That’s where Financial Literacy Month really matters, not as more information, but as a bridge from understanding to decision-making.

In real life, that often means:

• Focusing on what truly moves the needle: savings discipline, tax strategy, and staying steady during market volatility.

• Reducing unnecessary complexity: more accounts and products don’t always lead to better outcomes.

• Viewing retirement as a cash flow plan, not just an investment portfolio.

• Planning intentionally for healthcare and longevity costs, rather than relying on assumptions.

• Keeping estate documents, account titling, and beneficiaries aligned, so things work the way they’re supposed to when it counts.

The result is greater clarity, fewer reactive decisions, and a financial strategy that stays coordinated as life evolves.

Working with a financial professional can help turn solid knowledge into action across the full picture.

04/02/2026

👉Reminder:

04/01/2026

Some high-earning couples may currently receive $100,000 or more per year in Social Security benefits, based on lifetime earnings and when benefits begin.

A new policy proposal suggests capping those benefits—potentially limiting annual payments to $100,000 for couples and $50,000 for individuals—as one way to address long-term funding challenges.

The idea is one of several being discussed as policymakers consider how to support the program’s future. Current projections indicate that Social Security trust funds may face shortfalls in the coming decade.

It’s important to note that this is not a finalized change, but part of a broader conversation around how to balance sustainability, benefits, and contributions over time.

As discussions continue, proposals like this highlight the range of approaches being considered to address the program’s long-term outlook.

High-earning couples who consistently pay the maximum into Social Security during their careers stand to get the biggest benefits in retirement.

04/01/2026

The Iran Conflict, Geopolitics, and Oil – What Matters for Investors

With the conflict in the Middle East reaching its second month and traffic through the Strait of Hormuz continuing to remain at a standstill, markets have been turbulent. To help make sense of the volatility, Kara Murphy hosted a market flash webinar on the Iran conflict with Ryan Bohl, Senior Middle East and North African Analyst at RANE Network. In this week’s Markets in a Minute, Kara shares the most valuable insights from her discussion and provides historical evidence of the market’s resilience in the face of previous geopolitical shocks.

Read more in this week’s Markets in a Minute – link below, in comments!

04/01/2026

April is Financial Literacy Month!

This month, we’re highlighting the value of understanding finances and making informed, confident money decisions. For those just beginning your journey, now is a great time to build knowledge and strengthen your financial foundation.

From budgeting and saving to investing and planning for the future, there’s always something new to learn, and every step forward counts. Small, smart choices today can make a valuable difference tomorrow.

Feel free to share the messages and tag someone who might find this month's information helpful. Together, we can continue building a community that feels empowered and confident when it comes to managing money. 💡✨

Happy Financial Literacy Month!

03/31/2026

April is Financial Literacy Month! Join us at noon on Friday, April 10 for episode 29 of the KDI Wealth Alchemist. KDI Wealth Financial Advisors Dylan Justice and Heidi Oakley share real life financial scenarios that may make you think about how you handle your day to day finances!

03/30/2026

Where does your retirement come from?

At KDI Wealth, we help clients build retirement income plans that blend multiple sources, because most retirees discover their money comes from more places than they expected. The six key income pillars:

• Social Security – A foundation for many, based on your 35 highest earning years.

• Personal Savings – Taxable accounts and investments that support flexible, reliable income.

• IRAs – Traditional and Roth options, each with unique tax and withdrawal rules.

• Workplace Plans – 401(k), 403(b), and similar accounts that grow tax deferred.

• Pensions – Traditional defined benefit plans (less common today, but powerful if you have one).

• Work in Retirement – Many plan to keep working, but far fewer actually do.

And more!

Your expected income sources may look different from what retirement really brings. A personalized plan creates confidence long before you turn 73 and RMDs begin.

If you'd like help aligning these income streams into a clear plan, we're here.

03/30/2026

Stocks ended a challenging week lower as investors' attention shifted from updates on ceasefire talks to concerns about the economic impact of a protracted conflict.The Standard & Poor’s 500 Index lost 2.12 percent, while the Nasdaq...👉 link in comments to read more.

03/27/2026

03/27/2026

Thinking about retirement? You’re not alone, and a few key numbers may offer some helpful perspective.

From how much people depend on Social Security to what retirees typically spend, these insights show why it’s so important to look at the bigger picture. It’s not about having every answer today, it’s about starting meaningful conversations that help you feel more confident about what lies ahead.

Here are 5 retirement facts that might surprise you!

Most Americans expect Social Security to play a role in retirement, but it might not be enough!

87% of Americans strategizing for retirement expect to use Social Security as part of their income.

The average social security income is $23,712.00 but the average household spends over $60,000.00. How will you bridge the gap?

16% of American workers have less than $1,000.00 saved. Talking about retirement early, especially with younger family members, can make a difference!

Delaying social security can increase your monthly benefit. Start at 70 and receive 24% more than you will if you start at 67.

29% of retirees work during retirement? Are you planning to, or do you hope not to?

Curious about what retirement might look like for you? Give us a call today.

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03/27/2026

Did you know that beneficiary designations can be one of the most powerful tools in your estate plan? Dylan explains how they work and why keeping them updated is so important for protecting your loved ones.