Elevate Wealth

Breaking bad financial habits isn't about willpower—it's about creating better systems. Deanne Rosso and Clarke Holt share simple ways to replace common money mistakes with practical habits that can help you build long-term financial success. Want help creating healthy financial habits that last? Visit elevate-wealth.com and click Let's Talk.🔗 Website: https://elevate-wealth.com🔗 Fac...

What separates people who retire confidently from those who struggle? Deanne Rosso and Clarke Holt discuss the habits successful retirees have in common—from saving consistently and spending intentionally to practicing retirement before leaving the workforce. Want help building a retirement plan designed for your goals? Visit elevate-wealth.com and click Let's Talk.🔗 Website: https://elevate-...

Estate planning isn’t just for the ultra-wealthy—it’s for anyone who wants their wishes clearly handled. Deanne Rosso and Gary Stoller cover the basic documents most people need, plus one of the most commonly missed items that can override your will: beneficiary designations. Want help organizing an estate planning checklist as part of your financial plan? Visit elevate-wealth.com and click Let’s...

College savings can feel overwhelming when you’re also trying to plan for retirement. Deanne Rosso and Gary Stoller discuss why 529 plans are a common choice, how they compare to Coverdell accounts, and how to balance saving for education with keeping retirement on track. Want help choosing the right approach for your family? Visit elevate-wealth.com and click Let’s Talk.🔗 Website: https://elevat...

Long-term care planning is about choices and protecting your family and finances. Deanne Rosso and Gary Stoller explain what long-term care planning covers, why waiting can limit options, and the first conversation families should have to prepare for future care needs. Want to build this into your retirement plan? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.co...

Insurance is easy to set and forget—but your life changes. Deanne Rosso and Gary Stoller explain what insurance planning really is, how it protects your financial plan, and why reviewing coverage after major life changes can help prevent gaps or overpaying. Want help making sure your coverage fits your life today? Visit elevate-wealth.com and click Let’s Talk.🔗 Website: https://elevate-wealth.com...

Everyone wants one clear number for retirement spending, but the right answer depends on your plan. Joseph Hardeman and Deanne Rosso discuss why rules of thumb like the 4% rule are only a starting point, and how guardrails can help you spend with confidence through changing markets. Want to know what’s realistic for your situation? Visit elevate-wealth.com and click Let’s Talk.🔗 Website: https://...

Taxable account, IRA, or Roth—where should retirement withdrawals come from first? Joseph Hardeman and Deanne Rosso explain why there isn’t one perfect order for everyone, and how a tax-smart approach can help keep income steady and avoid unwanted tax surprises. Want a personalized withdrawal strategy? Visit elevate-wealth.com and click Let’s Talk.🔗 Website: https://elevate-wealth.com🔗 Facebook:...

Should you take Social Security early because everyone else is doing it—or consider waiting? Aspen Townley and Deanne Rosso discuss why the best choice depends on your full income plan, including monthly benefit amounts, spouse considerations, cash flow needs, and taxes. Want help comparing your options side by side? Visit elevate-wealth.com and click Let’s Talk.🔗 Website: https://elevate-wealth....

Retirement is more than hitting a savings number—it’s about creating a paycheck. Aspen Townley sits down with Deanne Rosso to talk about the “I wish I’d known this sooner” moments, including how taxes, timing, and income decisions can shape your retirement. If you’re getting close to retirement and want help mapping this out, visit elevate-wealth.com and click "Let’s Talk."🔗 Website: https://elev...

Freezing your credit is a simple step that can help prevent identity theft and stop new accounts from being opened in your name. Deanne Rosso and Clarke Holt explain what a credit freeze does, what it doesn’t do, and when to temporarily unfreeze it. Want help protecting your financial plan and personal information? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.c...

Those update reminders can be annoying, but they often include important security fixes. Deanne Rosso and Clarke Holt explain why updates matter, plus how to tell the difference between real updates and fake “update” pop-ups that could be risky. Want help creating safer habits around your financial life? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Faceb...

Coffee shop Wi-Fi and airport networks are convenient—but are they safe? In this episode, Deanne Rosso and Clarke Holt explain the real risks of public Wi-Fi and what to avoid doing on open networks. Want help protecting your personal and financial information? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Facebook: / elevatewealthadvisory 🔗 Instagram: /...

Stronger logins can help protect your financial life. Deanne Rosso and Clarke Holt cover the top steps to make your accounts more secure, including better passwords and multi-factor authentication. Want help building safer habits for your online accounts? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Facebook: / elevatewealthadvisory 🔗 Instagram: / eleva...

Phishing emails are getting more convincing. In this episode, Deanne Rosso and Clarke Holt share the biggest red flags to watch for, what to do if you’re unsure an email is real, and how to protect your accounts from scams. Have questions about protecting your financial accounts? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Facebook: / elevatewealthadvis...

Mutual funds can be a helpful way to invest, but many people aren’t sure how they work. Deanne Rosso and Clarke Holt explain what a mutual fund is, how it’s priced, and what to watch for before investing. Want help building a portfolio that fits your goals? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Facebook: / elevatewealthadvisory 🔗 Instagram: / ele...

What is a brokerage account, and how is it different from a retirement account? In this episode, Deanne Rosso and Clarke Holt walk through what a brokerage account can hold, how it works, and why taxes matter. Not sure what type of account is right for you? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Facebook: / elevatewealthadvisory 🔗 Instagram: / ele...

ETFs are everywhere—but what are they, and why do investors use them? Deanne Rosso and Clarke Holt explain what an ETF is, what it stands for, and what to pay attention to before buying one. Want help choosing investments that match your goals? Visit elevate-wealth.com and click Let’s Talk. 🔗 Website: https://elevate-wealth.com 🔗 Facebook: / elevatewealthadvisory 🔗 Instagram: / elevatewealthadv...

What is a Roth IRA, and why do so many people love it? In this episode, Deanne Rosso and wealth adviser Clarke Holt explain how a Roth IRA works, why tax-free growth can be so valuable, and what to know before opening one. Hey there, I'm Deanne Rosso with Elevate Wealth Advisory. I'm happy to be here today and I'm happy to be joined by Clarke Holt, Wealth Adviser from Elevate. Hey ther...

Can saving for retirement also help lower your taxes? In this Elevate Wealth episode, Deanne Rosso and Ben Hall explain the connection between retirement contributions and taxes—both now and in the future. They walk through the basics of pre-tax versus Roth contributions, how pre-tax savings can reduce taxable income today, and how Roth options can provide tax-free income later. Even small, automa...

What’s the simplest way to avoid a surprise tax bill? In this episode of Elevate Wealth, Deanne Rosso and Ben Hall explain the difference between paycheck withholding and estimated tax payments—and when each applies. You’ll learn how W-4 withholding works for W-2 employees, when estimated payments are needed for income without withholding, and why a quick mid-year checkup can make a big difference...

People often say, “I’m in the xx% tax bracket,” but does that mean all of their income is taxed at that rate? In this Elevate Wealth episode, Deanne Rosso and Ben Hall explain how tax brackets actually work—and clear up one of the most common misunderstandings about taxes. You’ll learn how the progressive tax system works, what marginal tax rates really mean, and why moving into a higher bracket d...

What do people really mean when they talk about tax planning? In this episode of Elevate Wealth, Deanne Rosso sits down with Ben Hall, Director of Tax Services at Elevate Wealth Advisory, to break it down in simple terms. Tax planning isn’t about complicated loopholes or last-minute stress. It’s about making a few intentional decisions throughout the year—like setting paycheck withholding, contrib...

Not sure what documents you need before you file? This episode provides a practical January checklist of common tax forms and records to gather—and a helpful reminder about waiting for all your documents before submitting your return. Want help getting organized or planning ahead before you file? Visit elevate-wealth.com and click Let’s Talk.#Taxes #TaxPlanning #ElevateWealthAdvisory It's Janu...

Your filing status can affect your tax brackets, your standard deduction amount, and eligibility for certain credits. This episode walks through the most common filing statuses, what often trips people up, and why life changes can impact the best choice. Not sure which filing status is right for you? Visit elevate-wealth.com and click Let’s Talk.#Taxes #TaxPlanning #ElevateWealthAdvisory Single, j...