Jackson Bush - Financial Advisor

If you received a 1099 this year, this is for you.

Being self-employed comes with its headaches, but it also comes with one of the biggest financial advantages most people never fully use.

You can shelter significantly more income from taxes than someone on a W-2. We're talking tens of thousands of dollars per year, sometimes more.

The right retirement plan structure alone can:

→ Slash your taxable income dramatically
→ Build serious long-term wealth
→ Do both at the same time

Most 1099 earners are either not using these options at all, or leaving a lot on the table by not optimizing them.

If you're self-employed and not doing proactive tax planning year-round, you're likely overpaying, every single year.

-Employed #1099

Today is a good day to have a good day. Finally official 😎

Every April I have the same conversation.

Someone hands their CPA a pile of documents, pays their bill and thinks, done for another year.

And I get it. Tax season feels like an event with a hard stop.

But the strategies that actually reduce what you owe? Those happen in May. July. October. Not April.

Roth conversions, investment rebalancing, income timing, capital gains planning: none of that can be undone after December 31st.

Tax prep is a once-a-year task. Tax planning is a year-round process.

Big difference.

Grateful for the opportunity to play Torrey Pines Golf Course last week.

Incredible experience, unreal views, and a reminder that the best things in life are earned over time.

Now it's time to get back to work and help more people create their own version of this. ⛳

You might be paying more in taxes than you need to—and not even realize it.

From investment timing to account selection, small decisions can have a big impact on your total tax bill. Here are five areas to keep in mind this tax season.

What a $5 Frappuccino can teach your teen about building wealth 👇

April is National Financial Literacy Month, and here's a number worth sharing at the dinner table.

If your teen opens a Roth IRA at 18 with $1,000 from a part-time job and adds $1,000 a year, that single account could be worth nearly $500,000 by age 65. Tax-free.

Think they can't save $1,000 a year? Skipping the daily Frappuccino more than covers it. ☕

But the best financial education isn't about the math. It's about real decisions with real consequences.

A few things that actually work:

✅ Hand them cash instead of a credit card for shopping. Let them keep what they don't spend.

✅ Give them a clothing budget for the year. If they blow it by October, that's the lesson.

✅ Have the college money talk before they fall in love with a school. As one counselor put it, "Have the conversation before they buy the hoodie."

✅ With the Roth IRA, you can show them that there are certain rules with certain accounts. For example, to qualify for the tax-free and penalty-free withdrawal of earnings, Roth IRA distributions must meet a 5-year holding requirement and occur after age 59½. Also, tax-free and penalty-free withdrawals can also be taken under certain other circumstances, such as the owner's death. The original Roth IRA owner is not required to take minimum annual withdrawals.

What's one money lesson you wish someone had taught you earlier? 👇

Please consult with a tax and finance professional before making any decisions.



Sources:
-https://www.calculator.net/roth-ira-calculator.html?cstartingprinciple=1%2C000&cannualaddition=1%2C000&cmax=n&cinterestrate=8&ccurrentage=18&cretirementage=65&ctaxtrate=25&printit=0&x=Calculate -ira-result
-https://www.ngpf.org/blog/advocacy/how-many-states-require-students-to-take-a-personal-finance-course-before-graduating-from-high-school-is-it-6-or-is-it-21/

So happy to announce that I passed the CFP® exam! This has been a long and tiring journey, but I am so glad this chapter is finally closed. Extremely excited for what is to come — stay tuned! 🎉

The Treasury Department in January said more than a million people have signed up for Trump accounts. Are you eligible?

I sat across from a couple last year who had worked hard their entire lives. Good jobs, some savings. But they had no idea if they could actually retire.

After one conversation, everything changed. Not because they were behind, but because they had a plan.

That's what I do, I help people who are 5 to 15 years from retirement get organized and confident about what's ahead.

www.calendly.com/jacksonbush

If that sounds like you or someone you care about, let's talk. Book a no-obligation consultation below. I'd be glad to help.

Not an early bird but it finally happened, 6am gym session day 1 is in the books, excited to be back!