Hays Breard Financial Group, LLC

As the year winds down, we're sending warm wishes your way. May this season bring peace, joy, and time to recharge with those who matter most.

Please note: Our office will be closed from December 24th to 26th and January 1st to 2nd, allowing our team to spend time with their loved ones.

Wishing you a joyful holiday season and a healthy, happy start to 2026!

December will be over before we know it, so we’re sharing an urgent reminder about annual required minimum distributions. Take a look below at key information for Americans who are 73 years or older.

🔹If you turned 73 in 2025, you have until April 2026 to take your first distribution. However, you will need to take your second distribution by December 31, 2026. Taking both in 2026 could have negative tax impacts. Discuss the best course of action with your financial advisor.

🔹If you’re age 74 or older, the IRS requires you to take an RMD from certain retirement accounts by December 31st.

🔹Applicable accounts include: Traditional IRAs, SEP IRAs, SIMPLE IRAs, 401(k)s, 403(b)s, and 457(b)s. However, the IRS does not require RMDs from Roth IRAs, Roth 401(k)s, or Roth 403(b)s while the account holder is living.

🔹Missing the deadline could result in a penalty of 25% of the RMD amount and 10% if corrected within two years for IRAs.

As Halloween nears, it’s the perfect time to bust a few financial myths that have haunted portfolios for years. Swipe through to separate facts from fiction.

Looking beyond stocks and bonds? For high-net-worth investors, private equity and other alternative investments can offer powerful ways to diversify a portfolio while managing risk. Swipe through for more on how these complex assets can fit into a diversified strategy.