Using a 529 in 2026: Match the Withdrawal to the Expense
David RileyMatch 529 withdrawals to eligible expenses, credits and payment dates. Separate federal 2026 rules from Arizona changes with a later effective date.
About David Riley
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Helping Aging Parents While Protecting Your Own Retirement
David RileyCount care costs, lost work income and benefit changes before committing support. Set clear boundaries and include professional and community resources.
QSEHRA or ICHRA for a Growing Team?
David RileyCompare QSEHRA and ICHRA for a growing business. Review eligibility, allowance limits, employee costs, tax credits and administrative work.
Reset Spending Before the School-Year Routine Returns
David RileySeparate immediate school purchases from recurring activities and transportation. Fit both into available cash and plan the next seasonal savings target.
Long-Term Care Planning Begins With Where You Want to Live
David RileyCompare the complete cost and support schedule for care at home and in a community. Review coverage, family availability and the funding gap.
Deferred Compensation Is Also an Employer Credit Decision
David RileyExplain the unsecured promise behind deferred compensation, the limits of rabbi trusts and the cash obligations that affect a credible retention benefit.
Inflation Affects Households Differently
David RileySeparate higher prices from new spending choices. Compare consistent household costs and translate the difference into an actionable annual budget.
Owner-Only Does Not Mean Paperwork-Free
David RileyCheck 2025 combined assets, final-year status and electronic filing before July 31, 2026. Preserve the records and responsibilities behind an owner-only plan.
Plan for Longevity Without Picking a Date for Your Future
David RileyCompare longer retirement periods, survivor income and care needs. Identify flexible spending and the decisions that help a plan adapt over time.
A Midyear Reset When Several Goals Compete
David RileyFit retirement saving, debt payments, family support and cash reserves into one realistic amount. Make the trade-offs explicit and set a review date.
