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The Pearl Planning Blog
530A “Trump Accounts”: A Simple Guide for Families
Families now have a new way to save for a child’s future. As of July 4, 2026, parents and other loved ones can fund a new type of account often […]
Melissa Joy Named to the AdvisorHub Advisors to Watch RIAs 2026
We are excited to share that Melissa Joy has been named to AdvisorHub’s Advisors to Watch RIAs 2026 list. The list recognizes registered investment advisors who are building high-quality practices […]
Melissa Joy Named to the AdvisorHub 200 Women Advisors to Watch 2026
We are pleased to share that Melissa Joy has been named to the AdvisorHub 200 Women Advisors to Watch 2026, a recognition that highlights women in wealth management who are […]
Melissa Joy Named to the 2026 Forbes Top Women Wealth Advisors Best-in-State List
We are honored to share that Melissa Joy has been named to Forbes’ 2026 Top Women Wealth Advisors Best-in-State list for Michigan, a national ranking that recognizes many of the […]
Pearl Planning Named a 2026 Michigan 50 Companies to Watch
We have some exciting news to share! Pearl Planning has been named one of the 2026 Michigan 50 Companies to Watch, an honor awarded each year by Michigan Celebrates Small […]
The Iran War and Your Portfolio – How to Navigate 2026 Headwinds
How to Navigate 2026 Headwinds The news is heavy, and we understand if you’re feeling the weight of it and pressure to change your investment strategy. Between the onset of […]
How Michigan’s New Tax Law Affects IRA Distributions
If you are retired or planning for retirement, you may have heard about changes to Michigan tax laws and wondered how they impact your IRA withdrawals. Here is a clear, […]
Important Information for Filing Your 2025 Tax Return
As you are preparing to file your taxes this year, we want to help make your life a little easier. Below, you’ll find a comprehensive guide with important dates, resources, […]
How the SECURE 2.0 Act May Affect Your Retirement
The SECURE 2.0 Act, signed into law at the end of 2022, introduced more than 90 changes to retirement savings plans. While some updates took effect in 2023 and 2024, […]
Trust Versus Will: Which One is Best for You?
When it comes to estate planning, many people assume a will is all they need. But oftentimes, a trust can offer more control, privacy, and flexibility. So, how do you […]
Big Changes to 529 Plans: Roth Rollovers, FAFSA Updates, and More
Recent changes to 529 college savings plans, especially those introduced by the SECURE 2.0 Act, are making these accounts even more flexible and valuable. Though legislation passed in 2022, several […]
Recent Finance Trends on Social Media
There have been many new finance trends circling the internet through Instagram, Facebook, and TikTok – many of them about budgeting! Each one is a little different, and some look […]
One Big Beautiful Bill Act & Your Money (Webinar)
Wondering how the One Big Beautiful Bill Act (OB3) signed into law on July 4, 2025, could impact your financial future? Melissa Joy, CFP®, president of Pearl Planning, breaks down […]
Insurance Basics and When it’s Time to Review
Home Insurance Home insurance protects your home and the belongings inside it in the event of damage caused by fire, hail, tornadoes, or other covered events. The exact coverage depends […]
One Big Beautiful Blog: A Financial Planner’s Guide to the 2025 One Big Beautiful Bill Act and Your Money
On July 4, 2025, President Donald Trump signed new policy and tax legislation named “One Big Beautiful Bill Act” (OBBB) into law. This bill included long-term tax policy as well […]
Is a Health Savings Account (HSA) Right for You?
Overview A Health Savings Account (HSA) is a tax-advantaged savings account that allows you to set aside money tax-free for qualified medical expenses. Unlike Flexible Spending Accounts (FSAs), your HSA […]
Why Reviewing Your 2024 Tax Return is More Important Than Ever
As tax season wraps up, it’s essential not to overlook your tax return statement, particularly with the potential tax law changes that may come in 2025. Not only are your […]
Spring Economic Update & Investing Outlook (Webinar)
In this webinar, Melissa Joy, CFP® explores the shifting economic environment of spring 2025, offering valuable context, strategies, and action steps for investors navigating market volatility. Melissa highlights the lessons […]
Spring Clean Your Finances: 20 Ways to Refresh Your Financial Life Right Now
Spring isn’t just for closets and garages—it’s also the perfect time to dust off your finances and do a little money maintenance. Whether you’re planning for retirement, juggling college costs, […]
Demystifying the Backdoor Roth IRA: What You Need to Know
If you’ve heard of a Backdoor Roth IRA but find the details confusing, you’re not alone! At Pearl Planning, we frequently recommend this strategy to clients who earn too much […]