Resources for you and your family.

There is no single right age. We can help you develop a plan that covers your spending. You also need a plan for health coverage until Medicare, and you need to understand how taxes and Social Security timing fit together. We can help customize your plan and even more importantly maintain and follow that plan.

A retirement date is a decision with several moving parts. Questions worth working through:

• What will you spend each year, and how much of it is essential?
• What income will you have from Social Security, a pension, or other sources, and when does each start?
• How will you pay for health insurance until you qualify for Medicare?
• Which accounts will you draw from first, and what will that mean for taxes?
• What do you want your days to look like?

Retiring a year or two later can change several inputs at once: more time to save, fewer years of withdrawals, and a larger Social Security benefit if you delay claiming. Running the plan with different dates helps you see what each one means for you.

There is no single number that works for everyone. The amount you need depends on how much you plan to spend each year, how long retirement may last, what Social Security and any pension will provide, and how taxes and health care costs affect your income. A cash flow plan estimates it using assumptions you can review.

A useful estimate usually follows four steps:

1. 1.Estimate your yearly spending, separating essential costs from flexible ones.
2. 2.Subtract the income you expect from Social Security, pensions, and other reliable sources.
3. 3.Look at the gap your savings and investments would need to fill, and for how long.
4. 4.Test the result against higher costs, lower returns, and a longer retirement.

Rules of thumb can start a conversation, but they do not reflect your taxes, your health, or when you claim Social Security. Planning assumptions are estimates, not promises. We use conservative assumptions, show you what they are, and update the plan as your circumstances change.

Retirement income usually comes from a mix of Social Security, pensions, withdrawals from savings and investment accounts, and sometimes part-time work or rental income. The order you draw from taxable, tax-deferred, and Roth accounts can affect your taxes, so it helps to plan withdrawals as a sequence.

A common approach is to cover essential expenses first with the most dependable sources, then use your portfolio for the rest. Points to consider:

• Withdrawal order matters. Many people start with taxable accounts, then pre-tax accounts, then Roth accounts, but that is a starting point and not a rule. Your brackets, required minimum distributions, and Social Security timing can change the answer.
• Required minimum distributions from pre-tax accounts begin at age 73 for people born from 1951 through 1959, and at age 75 for people born in 1960 or later.
• Keeping some cash or stable investments for near-term spending can reduce the chance that you have to sell investments after a decline.

Income from a portfolio is not guaranteed, and all investing involves risk. We build the withdrawal plan with you and work alongside your CPA on the tax pieces.

You can start Social Security retirement benefits as early as age 62 or delay them until age 70. Claiming earlier means a smaller monthly benefit for life, and waiting increases it. For people born in 1960 or later, full retirement age is 67, and claiming at 62 reduces the benefit by about 30 percent.

Each year you wait past full retirement age, up to age 70, adds about 8 percent to your monthly benefit. There is no single best age. The right timing depends on several things:

• Your health and how long you expect to live.
• Whether you plan to keep working. In 2026, if you are under full retirement age all year, Social Security withholds $1 for every $2 you earn above $24,480. In the year you reach full retirement age, it withholds $1 for every $3 above $65,160, counting only the months before your birthday month.
• Your spouse's benefit. A surviving spouse generally keeps the larger of the two benefits, so the higher earner's claiming age can matter for both people.
• Your other income, and how much of your benefit may be taxable.
• Your income needs in the early years of retirement.

We model several claiming ages next to your other income and taxes so you can see the tradeoffs, and the decision stays yours.

Medicare is federal health insurance that most people can enroll in starting at age 65. Your Initial Enrollment Period lasts seven months: the three months before your 65th birthday month, the birthday month, and the three months after. Missing it can mean higher premiums for as long as you have coverage.

Medicare has several parts:

• Part A covers hospital care. Most people pay no premium for it.
• Part B covers doctor visits and outpatient care. The standard 2026 premium is $202.90 a month, with a $283 annual deductible. Higher-income households pay more through an income-related adjustment.
• Part C (Medicare Advantage) is an alternative offered by private insurers.
• Part D covers prescription drugs.
• Medigap supplements Original Medicare. Its best enrollment window opens when you are 65 or older and enrolled in Part B.

If you miss your window without qualifying for an exception, Part B adds 10 percent for each full 12-month period you could have enrolled, generally for life. If you or your spouse are still working and have employer coverage based on that work, you may get a Special Enrollment Period that lasts eight months after the work or coverage ends. COBRA and retiree coverage generally do not count. Trinity does not sell Medicare plans. We build Medicare costs into your plan and introduce you to a Medicare specialist for plan selection.

Common options include COBRA continuation coverage, a plan through the Health Insurance Marketplace, a spouse's employer plan, retiree coverage from your former employer, or part-time work that offers benefits. Each has different costs and rules, so compare total expected premiums and out-of-pocket costs before you leave your job.

What to know about the main options:

• COBRA. Generally lasts up to 18 months. You pay the full premium plus an administrative fee, so it is often costly.
• Marketplace plans. Losing job-based coverage generally opens a special enrollment period of about 60 days. Premium tax credits depend on your income, so how you structure withdrawals and conversions can affect cost.
• A spouse's plan. Often the lowest-cost route if available.
• Retiree coverage. Some employers offer it. Check the cost and how long it lasts.

Plan the handoff to Medicare early. COBRA, retiree coverage, and Marketplace plans generally do not qualify you for the Part B Special Enrollment Period, so waiting on them past 65 can lead to late-enrollment penalties. We include health coverage costs in your retirement date decision.

Retirees often focus on three things: which accounts they withdraw from, when they take income, and how they give. Common tools include Roth conversions, qualified charitable distributions, coordinating Social Security timing, and holding investments in the account types where they are taxed most favorably. The right mix depends on your situation, so involve your CPA.

Tax planning in retirement is about the whole picture, because one decision can affect several others. For example, a large withdrawal can raise the share of your Social Security that is taxable and can increase your Medicare premiums. Areas to review each year:

• Withdrawal order and timing, including filling lower brackets in years when your income is lower.
• Roth conversions, which move pre-tax money into a Roth account and create taxable income in the year of the conversion.
• Qualified charitable distributions, if you give to charity and are 70½ or older.
• Account types for each investment, so that tax-inefficient holdings sit in accounts where they cause less tax.
• Gains and losses in taxable accounts.

Tax rules change, and individual results vary. We don't prepare tax returns, so we work alongside your CPA or introduce you to one.

A Roth conversion moves money from a traditional IRA or similar pre-tax account into a Roth IRA. You pay income tax on the amount converted in the year you convert, and after that, qualified withdrawals can be tax-free. Whether it makes sense depends on your current and expected future tax brackets, how you will pay the tax, and your timeline.

Points to weigh with your CPA:

• Tax now versus tax later. A conversion often looks more attractive in a year when your income is lower, such as the years between retirement and the start of required minimum distributions.
• Where the tax money comes from. Paying the tax from outside the account usually preserves more of the converted amount.
• Side effects. A conversion raises your income for the year, which can affect how much of your Social Security is taxed and what you pay for Medicare.
• The five-year rule. Converted amounts have their own holding period before penalty-free withdrawal if you are under 59½.
• No undo. A completed conversion can't be reversed.
• Required distributions. Roth IRAs have no required minimum distributions during the owner's lifetime, and converted dollars no longer count toward the pre-tax balance that drives future RMDs.

We model conversions against your full plan before you decide.

Yes, through a qualified charitable distribution, or QCD. If you are 70½ or older, you can send money directly from an IRA to a qualified charity. The amount counts toward your required minimum distribution and is not included in your taxable income. The 2026 limit is $111,000 per person.

Rules to know:

• The money must go **directly** from the IRA to the charity. A check made out to you does not qualify.
• Donor-advised funds and private foundations are not eligible recipients.
• QCDs can't be made directly from a 401(k). Funds would first need to move to an IRA.
• You can make QCDs starting at age 70½, even before required distributions begin. Those begin at age 73, or age 75 if you were born in 1960 or later.
• A gift made as a QCD can't also be claimed as a charitable deduction.
• Lowering your adjusted gross income can also help with how much of your Social Security is taxed and with Medicare premiums.

Keep the charity's acknowledgment, and tell your CPA so the transfer is reported correctly. We coordinate the timing with your plan and your tax professional.

Often, but not automatically. The most important goal is to invest to meet or exceed the minimum rate of return you need to keep pace with the customized financial plan we will develop with you. Many people shift toward more stability as they near and enter retirement, because they have less time to recover from a downturn and they begin drawing income. The right mix depends on your income needs, your other sources of income, your time horizon, and how much decline you can tolerate.

Age is one input. These matter as much:

• How much of your spending your other income covers. A large pension changes how much risk you need to take.
• How long you may need the money. Retirement can last decades, and an investment mix with too little growth carries its own risk, including that your spending power erodes with inflation.
• Your tolerance for decline. A plan you can stick with during a downturn is worth more than one that looks good on paper.
• Timing. Money you need in the next few years generally belongs in more stable investments than money you won't need for a decade or more.

We evaluate risk in the context of your plan, your goals, and your comfort with uncertainty, and we review the mix regularly. All investing involves risk, including the possible loss of principal.

No strategy can fully protect investments from a downturn or a bear market, but you can plan for one. Common steps include diversifying, keeping enough cash or stable assets to cover near-term spending, matching risk to your timeline, reviewing the plan regularly and most importantly having a plan in place to strive to Protect your Investments in the event of a Market Downturn. Our Invest and Protect approach is designed to account for market downturns, and of course all investing involves risk.

Planning for a downturn before it happens is easier than reacting during one. Practical steps:

• Diversify across different types of investments, knowing that diversification does not guarantee a profit or prevent loss.
• Set aside spending money. Holding several years of expected withdrawals in more stable investments can reduce the need to sell after a decline.
• Match risk to the plan. Take the amount of risk your goals call for, not more.
• Rebalance and review on a schedule.
• Write down your response to a decline in advance, so a market drop doesn't turn into an emotional decision.

In 2026, you can give up to $19,000 per person, or $38,000 for a married couple, to as many people as you like without filing a gift tax return or using any of your lifetime exemption. Gifts above that amount may require a gift tax return, but most people owe no gift tax because the 2026 lifetime exemption is $15 million per person.

Gifts can take several forms:

• Annual exclusion gifts of up to $19,000 per recipient.
• Direct payments of tuition to a school or of medical bills to a provider, which are not counted as gifts when paid directly to the institution.
• 529 plan contributions, including a one-time election to spread five years of annual exclusion gifts over a single contribution.
• Gifts of appreciated assets. The recipient generally takes your original cost basis, so a gift of appreciated stock can carry a tax bill with it.

Before you give, make sure your own plan can support the gift. Money you give is money you can't use later. Legacy also isn't only about dollars. It shows up in the time you give, the help you offer, and the values your family sees you live by. We look at how giving fits your plan, and we coordinate with your CPA and estate planning attorney. If you would like to incorporate giving into your plan, we will incorporate that into our discussions.

A parent or legal guardian opens a Trump Account for a child under 18, generally by filing IRS Form 4547 with a tax return or by completing the election online at trumpaccounts.gov. The child needs a Social Security number. Once an account is open, relatives can contribute within the $5,000 annual limit per child from all sources.

Trump Accounts are a new type of IRA-style account for children, created by the 2025 tax law. What to know as of October 2026:

• Who opens it. A parent or legal guardian makes the election. A grandparent can't open the account on their own unless they are the child's legal guardian.
• Federal starter deposit. Under a pilot program, eligible U.S. children born from 2025 through 2028 may receive a one-time $1,000 federal contribution. It is requested on the same form.
• Contributions. Deposits began on July 4, 2026. The annual limit is $5,000 per child from all sources, adjusted for inflation after 2027, and employers can contribute up to $2,500 within that limit. The federal starter deposit and certain charitable and government contributions don't count toward the limit.
• Access. Withdrawal rules are restrictive while the child is a minor.
• Rules are still being finalized. Treasury and the IRS issued proposed regulations in March 2026. Confirm the current details at trumpaccounts.gov or with your tax professional.

A Trump Account and a 529 plan serve different purposes. A 529 plan is designed for education costs. We can help you compare them as part of your gifting plan.

A 529 plan is a tax-advantaged account for education savings. Growth and withdrawals are federally tax-free when used for qualified education expenses. Grandparents can own one. Whether it fits depends on your goals, your other gifts, and how much you can set aside without affecting your own plan.

Key points for 2026:

• Gifting. Contributions are gifts. You can contribute up to five years of annual exclusion gifts at once, which is up to $95,000 per beneficiary for an individual and $190,000 for a married couple, without using lifetime exemption.
• Qualified expenses. College costs qualify. Starting in 2026, up to $20,000 a year can also be used for K-12 expenses, and some credentialing programs now qualify.
• Unused money. You can change the beneficiary to another family member. Beneficiaries can also roll up to $35,000 over their lifetime into their own Roth IRA, subject to a 15-year account requirement and annual limits.
• Non-qualified withdrawals. The earnings portion is taxed and generally subject to a 10 percent penalty.
• Financial aid. Under the current simplified FAFSA, grandparent-owned 529 accounts are not reported as student assets.
• State rules. State tax treatment varies. Check your state's plan.

We help you decide how much to set aside and how it sits alongside your own retirement income needs.

Not everyone does. A will directs who receives your assets, while a trust can add control over timing, help manage assets if you become unable to, and may let some assets pass outside of probate. Whether you need one depends on your family, your assets, and your state, so it is a question for an estate planning attorney.

People commonly consider a trust for these reasons:

• To manage assets if they become incapacitated.
• To control when and how heirs receive assets, such as for minor children or a beneficiary with special needs.
• To reduce the time, cost, and publicity of probate.
• To provide for a blended family.

A trust only works for assets that are properly titled in it, and retirement accounts and life insurance pass by beneficiary designation. Trusts also cost money to set up and maintain. Trinity doesn't prepare legal documents. We help you think through what you want to happen, review beneficiary designations as part of your plan, and introduce you to estate planning attorneys who can advise and draft.

Most adults benefit from having one. A will names who receives your property, who serves as executor, and who cares for minor children. Without one, state law decides, and the result may not match your wishes. Retirement accounts and life insurance pass by beneficiary designation, so those need review too.

A will is one part of a basic estate plan. Others include:

• A durable power of attorney, so someone you choose can handle finances if you can't.
• A health care directive and medical power of attorney, so your wishes are known.
• Beneficiary designations on retirement accounts, life insurance, and some bank accounts, which override a will.

Review these documents after a marriage, divorce, birth, move, or death in the family. An estate planning attorney can tell you what your state requires. Trinity doesn't prepare legal documents, but we review beneficiaries as part of your plan and introduce you to attorneys when you need one.

Not everyone does. Medicare doesn't cover most long-term custodial care, so people generally choose among buying long-term care coverage, setting aside assets to pay for care themselves, or combining both. The right choice depends on your assets, your health, your family, and how you would want care provided.

Things to compare:

• Types of coverage. Traditional long-term care insurance, and hybrid policies that combine life insurance or an annuity with a long-term care benefit.
• Cost and stability. Traditional premiums can increase over time, and hybrid policies usually require a larger upfront payment.
• Health. Coverage generally requires health underwriting, and it is easier to qualify for when you are younger and healthier.
• Self-funding. Some households set aside assets for care instead. This requires planning for costs that can be large and unpredictable.
• Family. Who would help provide care, and what you would want.

A plan should account for the possibility of a health change. We help you evaluate coverage as part of your whole financial picture.

You need life insurance if someone would face financial hardship if you died, such as a spouse who depends on your income, children, a business partner, or debts that would pass to others. Many retirees need less or none if their assets cover their family's needs, though some keep coverage for estate or legacy goals.

A needs analysis looks at what your family would require and what resources they would already have. Questions to ask:

• Who depends on my income, and for how long?
• What debts, mortgage, or business obligations would remain?
• How would a surviving spouse's income change, including Social Security and any pension?
• Do I have existing coverage, and is it still the right type and amount?

**Term** insurance covers a set number of years. **Permanent** insurance lasts for life and costs more. Compare any policy against alternatives before buying it for reasons other than protection. Because the need often changes over time, review coverage when your situation changes.

A common guideline is three to six months of essential expenses for people who are working. Retirees often keep more, because there is no paycheck to rebuild the fund. The right amount depends on how stable your income is, your insurance deductibles, and how quickly you can reach other money.

Think of an emergency fund as money for surprises, such as a medical bill, a home repair, or a gap in income. To size it:

• Add up your essential monthly costs, not your total spending.
• Consider the stability of your income. Self-employed people, business owners, and single-income households often keep more.
• Check your deductibles for health, home, and auto insurance.
• Consider whether other money is available quickly and without taxes or penalties.

Keep the fund somewhere safe and easy to reach.

Emergency money should stay safe and easy to reach, so most people compare high-yield savings accounts, money market accounts, and short-term Treasury bills rather than investments that can lose value. Compare current rates, fees, and access, and keep balances within FDIC insurance limits of $250,000 per depositor, per insured bank, per ownership category.

Points to compare:

• Rates change. The rate on an account can rise or fall, so check it periodically.
• FDIC coverage. Bank accounts and bank money market accounts are insured within the limits above. Money market mutual funds are investments and are not FDIC insured.
• Treasury bills. Interest is subject to federal income tax but is generally exempt from state income tax.
• Certificates of deposit. These often pay more but charge a penalty for early withdrawal.
• Access. Make sure you can reach the money within a day or two.

Don't take on investment risk to earn a higher rate on money you may need quickly.

It depends on your mortgage rate, your other savings, and how you value having no monthly payment. Paying off a mortgage lowers your required monthly expenses, but it uses cash that could otherwise provide flexibility or earn a return, which is never guaranteed. A proper plan can compare both paths.

Factors to weigh:

• Your interest rate compared with what your savings could reasonably earn or save you.
• Liquidity. Cash in a home is harder to reach than cash in an account.
• Where the money comes from. Withdrawing from a pre-tax IRA to pay off a mortgage creates taxable income.
• Cash flow. A lower required payment can make retirement spending feel more flexible.
• Comfort. Many people value being debt-free, and that is a legitimate reason to choose it.

There isn't a universal answer. We run both options through your plan so you can see the effects.

Paying cash avoids interest, but it uses money you may want for emergencies or investments. Compare the loan's interest rate with what your cash could earn, confirm you would still have your emergency fund and near-term spending covered, and consider where the cash would come from, since selling investments or withdrawing from an IRA can trigger taxes.

Questions to ask:

• What interest rate am I being offered, and is it close to what my savings earn?
• After paying, would I still have my emergency fund intact?
• Would I have to sell investments or take a taxable withdrawal to pay?
• How large is the purchase compared with my overall finances?

Vehicles lose value over time, so a car is a cost, not an investment. If a purchase would strain your cash flow, a loan or a less expensive vehicle may fit better. We include large purchases in your cash flow plan.

The simplest method is usually a direct rollover, where your old plan sends the money straight to a new IRA or to your new employer's plan. You open the receiving account first, then ask your plan administrator to transfer the money. We will personally walk you through this process so you can be assured it is done correctly. A direct rollover avoids mandatory tax withholding and keeps the money tax-deferred.

You generally have four choices: leave the money in your old plan, move it to a new employer's plan, roll it into an IRA, or cash it out. Cashing out typically triggers income tax and, before age 59½, often a 10 percent penalty. If you receive a check made out to you, an indirect rollover requires you to deposit the full amount within 60 days, and the plan generally withholds 20 percent for taxes that you must make up from other funds.

Compare the options on:

• Fees and investment choices.
• Services and advice available.
• Penalty-free access, including the rule for leaving an employer in or after the year you turn 55.
• Special situations, such as employer stock or Roth balances.
• Required minimum distributions if you are still working.

Ask anyone recommending a rollover to explain, in writing, how they are paid if you move the money. We review your options and the costs of each before you decide.

Most pension plans offer a single-life option, which pays a higher monthly amount but stops when you die, and joint-and-survivor options, which pay less each month but continue for your spouse. Some plans also offer a lump sum. Because the choice is usually permanent, compare each option against your spouse's needs, your health, and your other income.

Factors to consider:

• Your spouse. What income would they need, and what would they have from Social Security and savings?
• Health and age. Both spouses' health and the age difference between you matter.
• Cost-of-living adjustments. Some plans include them, and some do not.
• A lump sum. It gives you control and flexibility but puts investment and longevity risk on you, and it has tax implications.
• Spousal consent. Federal law generally requires married participants in many plans to choose a survivor benefit unless the spouse agrees in writing to waive it.

Ask the plan for a written comparison of every option. We build each choice into your plan so you can see what it means for income now and for your spouse later.

Survivor options typically continue 50, 75, or 100 percent of your pension to your spouse after your death, in exchange for a smaller monthly payment now. The higher the survivor percentage, the lower your payment. Choose by looking at what income your spouse would need and what other income they would have if you died first.

Steps to work through:

1. 1.Estimate your spouse's living costs if they were on their own.
2. 2.Add the income they would have, including their own Social Security, any Social Security survivor benefit, savings, and other pensions.
3. 3.Compare the gap with the survivor percentages the plan offers.
4. 4.Ask whether the plan has a "pop-up" feature that restores your higher payment if your spouse dies first.
5. 5.If you consider taking the single-life payment and using life insurance instead, review the cost, the health requirements, and the need to keep the coverage in force for life.

The choice is generally permanent, so it is worth making with the full picture in front of you.

Start with what you need help with, then compare planners on credentials, services, how they are paid, and how well they listen. A designation such as CFP® reflects defined education, examination, experience, and ethics requirements. You can check any advisor's record for free through the SEC's Investment Adviser Public Disclosure site and FINRA BrokerCheck.

A short checklist:

• Scope. Do you want a full plan, investment management, or help with one decision?
• Credentials. CFP® is a broad planning designation. CRPC is focused on retirement planning. Verify any designation with the issuing organization.
• Fees. Ask how the planner is paid and what you would pay in total.
• Conflicts. Ask how the planner handles conflicts of interest, and get the answer in writing.
• Fit. Ask how often you would meet and who you would work with day to day.
• Record. Check regulatory history at adviserinfo.sec.gov and brokercheck.finra.org.

Meet more than one planner if you can. Our first two meetings come with no charge and no obligation, so you can see how we work before deciding anything.

A financial plan starts with your goals, then maps your income, spending, savings, investments, taxes, insurance, and estate documents against them. After it is built, review it at least once a year and after major life changes, because a plan only works when it reflects your current situation.

The process generally runs like this:

1. 1.Start with your life: your goals, priorities, and concerns.
2. 2.Gather your accounts, income, expenses, debts, and insurance.
3. 3.Build a cash flow projection on conservative assumptions.
4. 4.Look at the decisions ahead, including taxes, Social Security timing, health costs, and legacy.
5. 5.Choose an investment approach that fits the plan.
6. 6.Put the plan into action, and set a review schedule.

At Trinity, we start with your life, including your goals, objectives, and concerns, and then we talk about your accounts. Our first two meetings come with no charge and no obligation. Most clients meet with us about every six months, and some reviews are short phone calls while others call for a longer conversation. A new grandchild, a move, or a change in health can change the plan, so we revisit it when your life changes.

A fiduciary is legally required to act in your best interest within the services covered by that duty. Registered investment advisers owe a fiduciary duty under federal law. Brokers follow a best-interest standard called Regulation Best Interest when they make recommendations. Some firms are dually registered, so ask which standard applies to each service and get the answer in writing.

The standard of care depends on the type of firm and the service. To understand it:

• Ask whether the advisor acts as an investment adviser, a broker, or both, and for which services.
• Ask for the firm's Form CRS (client relationship summary), which firms must provide to retail investors. It describes services, fees, conflicts, and the standard of conduct.
• Ask how the advisor is paid and what conflicts of interest exist.
• Read Form ADV Part 2A for details on services and fees.

Ask people you trust for referrals and use directories from professional organizations such as the CFP Board, then research each candidate before you meet. The SEC's Investment Adviser Public Disclosure site (adviserinfo.sec.gov) and FINRA BrokerCheck show registration, employment history, and any disclosed disciplinary events.

A simple process:

1. 1.Write down what you want help with and what matters to you.
2. 2.Gather a short list from referrals and professional directories.
3. 3.Check each name for free at adviserinfo.sec.gov and brokercheck.finra.org.
4. 4.Meet at least two. Many advisors, including us, offer an introductory meeting at no charge.
5. 5.Ask for Form CRS and Form ADV Part 2A, and read how the advisor is paid.
6. 6.Choose the advisor you understand best and feel heard by.

You can look up Trinity's advisors on the same sites.

Look for verified credentials, a clean regulatory record, a clear explanation of fees and conflicts of interest, a process built around your goals, and an advisor who listens before recommending. You should leave your meeting understanding how the advisor is paid and what services you would receive.

Questions to ask when you meet with an advisor:

• How are you paid, and what will I pay in total?
• In what capacity do you act for each service, and will you put that in writing?
• Who will I work with day to day?
• How often will we meet?
• What is your investment approach, and what are its risks?
• Who holds my assets?

Be cautious if an advisor guarantees returns, pressures you to act quickly, avoids putting things in writing, or can't explain fees. At Trinity, we explain our recommendations, tell you what we believe and why, and review costs openly. You'll talk with a real person who listens before advising.

Several things continue or change when you live abroad. U.S. taxes generally still apply to citizens. Social Security can usually be paid overseas, though restrictions apply for a small number of countries. Medicare typically doesn't cover routine care outside the U.S. Plan for health coverage, taxes in both countries, currency, and where your accounts can be held.

Points to research before you go:

• Taxes. You may owe U.S. tax and local tax. Treaties and credits can reduce double taxation. Foreign accounts above reporting thresholds must be reported.
• State ties. Your former state may still treat you as a resident depending on your connections.
• Health care. Arrange private or local coverage, and consider medical evacuation coverage.
• Accounts. Some financial institutions limit services for clients with a non-U.S. address.
• Currency. Spending in another currency adds a source of variation to your budget.
• Legal matters. Estate and inheritance rules differ by country.

Work with a CPA experienced in expatriate taxes and an attorney in the destination country. We build the costs and income changes into your plan.

No. Our first two meetings come with no charge and no obligation. In the first, we learn about your goals and full financial picture. In the second, we walk you through your customized plan and our Invest and Protect approach, and we review all costs openly.

You decide whether to move forward after the second meeting. If you do, we explain how we are paid before you sign anything.

We start with your life, including your goals, objectives, and concerns. Then we talk about your accounts and your complete financial situation. There is no charge and no obligation.

Between the first and second meetings, we build a customized plan around what you shared. You choose where we meet: in our Plano office, by Zoom, or by phone.

Trinity Private Wealth works with RFG Advisory, a registered investment adviser that provides technology and operational support. Client accounts are custodied at Pershing, a wholly owned subsidiary of Bank of New York Mellon. Bank of New York Mellon is the oldest bank in the United States (opened June 9, 1784, making it 242 years old). You continue to work with the advisors and support team you know.

RFG Advisory's support lets our team spend its time on conversations, planning, and reviews.

Yes. You can meet with us in person at our Plano office, by Zoom, or by phone, whichever is easier for you.

Many clients mix formats, for example meeting in person for the plan review and checking in by phone between meetings.

Bring recent statements for your accounts, your most recent tax return, and a list of your goals and questions. If you have them, also bring pension and Social Security information, insurance policies, and estate planning documents.

Don't worry if you can't gather everything. We start with your life and your goals, and we can request what we need later. Please don't send account numbers or other sensitive personal information through the website contact form.

Our office is at 6201 Dallas Pkwy #230, Plano, Texas 75024. You can reach us at (469) 246-3616.