Money Moves with Darin

New Years always feels like a natural reset.Whether you set New Years resolutions for yourself or not, January is the perfect time to review your financial plan and make sure it still supports what matters most to you, whether that’s saving for retirement or purchasing a new home.💡Here are 5 things to review at the start of each year:1. Take inventory2. Revisit your goals3. Review your savings strategy4. Check your investments5. Review your risk managementIf you’re not confident your current strategy is fully aligned, or you’d simply like a second opinion, I’m happy to help.______________________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth- EMAIL: [email protected]______________________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

This time of year is always busy for a lot of people, but don’t let the bustling season keep you from meeting your financial and tax deadlines!We’ve partnered up with Evans May Advisory to talk through important deadlines and year-end considerations to make sure you’re on track. From tax-loss harvesting to Roth conversions and new provisions from the One Big Beautiful Bill Act (OBBBA) affecting your wealth strategies, Darin Riddle, CFP®, CWS®, AAMS® and Owen Pryor, CPA walk you through these topics with a unique perspective of both your financial and tax advisor.00:00 Intro00:19 Important Year-End Reminders: The “Big 3”00:51 Tax-Loss Harvesting01:45 Roth Conversions03:05 Charitable Giving: Donor-Advised Funds and Roth Conversions03:54 New OBBBA Provisions Affecting Charitable Giving05:38 Health Savings Accounts (HSAs)07:52 Charitable Giving Strategies: Tax Planning and New OBBBA Provisions09:22 OBBBA: Trump Accounts09:57 529 Plans: New Tax Savings10:29 Retirements Plans: Wealth Strategies11:15 Strategies for Business Owners: Tax Planning13:40 OutroDarin Riddle, CFP®, CWS®, AAMS® | Financial Advisor, Evans May Wealth______________________________________________________Connect with Darin on the following! LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/INSTAGRAM: https://www.instagram.com/evansmaywealthFACEBOOK: https://www.facebook.com/evansmaywealthEMAIL: [email protected]______________________________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC.Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC. The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.Owen Pryor, CPA | Managing Advisor, Evans May Advisory______________________________________________________Connect with Owen on the following!LINKEDIN (Evans May Advisory): https://www.linkedin.com/company/evans-may-advisory/LINKEDIN (Owen Pryor): https://www.linkedin.com/in/owenpryorcpa/INSTAGRAM: https://www.instagram.com/evans_may_advisory/https://www.instagram.com/evans_may_advisory/FACEBOOK: ⁠https://www.facebook.com/profile.php?...⁠EMAIL: [email protected]______________________________________________________Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC.Accounting and tax services are offered exclusively by Evans May Advisory, a separate and distinct entity from Evans May Wealth, Sanctuary Advisors, LLC, and Sanctuary Securities, Inc. (Sanctuary Wealth). Evans May Wealth and Sanctuary Wealth client agreements do not extend to services provided by Evans May Advisory. Evans May Advisory client agreements do not extend to services provided by Evans May Wealth. Neither Evans May Wealth nor Sanctuary Wealth provides tax or accounting advice. Evans May Advisory does not provide investment advisory services. Accounting and tax services are offered exclusively by Evans May Advisory, a separate and distinct entity from Evans May Wealth, Sanctuary Advisors, LLC, and Sanctuary Securities, Inc. (Sanctuary Wealth).

If you’re a homeowner, the Fed’s decision on future rate cuts could mean big savings on your mortgage.💸 Here are two strategies to consider:Refinancing: replace your loan and potentially lock in a lower rateRecasting: keep your loan, but lower your monthly payments if you’ve paid down the principalBoth are great options but come with their own benefits and drawbacks. Watch the video to learn more!#mortgagetips #interestrates______________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]______________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

When it comes to building wealth, pickleball is my favorite kind of investment 🎾💸It might not be your typical portfolio asset, but staying active is an investment in your health and can improve your financial life.Pickleball has been my favorite way to sharpen my skills both on the courts and in the office as a financial advisor. It can boost your heart health, sharpen your brain, and reduce stress. 🧠That means better decision-making and more disciplined investing.👉 If you’re in the Carmel or Indy area and want to get plugged into the pickleball community, let’s connect!#financialwealth #carmelindianapolis #indypickleball______________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]______________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

RMDs can quietly drain your retirement wealth if you don’t plan ahead for it 📊Starting at age 73, the IRS requires you to withdraw required minimum distributions from your traditional retirement accounts. If you skip them, you could face a 25% penalty.And if you don’t plan properly, RMDs can:📈 Raise your tax bracket💵 Increase your Medicare premiums📉 Reduce your financial legacyIf you have questions or would like a financial advisor guide you through RMDs and retirement planning, reach out to me at [email protected] 📧____________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]______________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Equity compensation can be a powerful tool for building long-term wealth if you know how to use it wisely. Here are three simple moves to maximize your earnings 👇📅 Understand your vesting schedule💸 Plan for taxes to avoid triggering a big tax bill📊 Diversify your investment portfolioI break these down in my latest Money Moves with Darin video.Have questions or want to talk through your own equity compensation strategy? You can reach me at [email protected]._____________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]_____________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Will the Fed start cutting interest rates soon? 📊 And what does this mean for your investment strategy?The Fed has held interest rates unchanged since December 2024, even as new tariff policies raised uncertainty. In today’s Money Moves with Darin, I break down:💡Why the Fed is taking a cautious approach💡When do we expect further rate cuts?💡What this means for investors and borrowersListen to this episode to learn more!___________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]___________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Big news! I’m kicking off a new video series called Money Moves with Darin. We’ll dive into the frameworks, strategies, and financial decision-making principles that drive long-term growth — whether you're building personal wealth or navigating today's financial landscape.In each episode, I’ll break down real-world money moves and share actionable insights to help you think smarter about money.__________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]__________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Most investors focus on “what” to invest in. But “where” you hold those investments can be just as important, especially when it comes to building and preserving your wealth. What should you be asking yourself instead? 👇📊Choosing what to invest in is only half the equation. It’s equally important to ask, “Where should I hold my investments to minimize my taxes and get the best after-tax return?”This decision can be complex and time-consuming. That’s where a financial advisor can add real value, helping you align your strategy with your financial goals.Reach out to me at [email protected] to learn more!__________________________________Connect with us on the following! - LINKEDIN (Evans May Wealth): https://www.linkedin.com/company/evansmaywealth/- LINKEDIN (Darin Riddle): https://www.linkedin.com/in/darin-riddle/- INSTAGRAM: https://www.instagram.com/evansmaywealth - FACEBOOK: https://www.facebook.com/evansmaywealth - EMAIL: [email protected]__________________________________Disclaimer: Darin Riddle is a Registered Representative of Sanctuary Securities Inc. and an Investment Advisor Representative of Sanctuary Advisors, LLC. Securities offered through Sanctuary Securities, Inc., Member FINRA, SIPC. Advisory services offered through Sanctuary Advisors, LLC., an SEC Registered Investment Advisor. Evans May Wealth is a DBA of Sanctuary Securities, Inc. and Sanctuary Advisors, LLC The subject matter in this communication is educational only and provided with the understanding that Sanctuary Wealth is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel, financial professionals, or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.