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Luxon Brown We use tailored financial planning and risk assessment to help retirees and pre-retirees maximize their retirement income!

Here's something many retirees don't find out until tax time: your Social Security benefits may be taxable.The IRS uses ...
10/27/2026

Here's something many retirees don't find out until tax time: your Social Security benefits may be taxable.

The IRS uses a formula called Provisional Income to decide. It adds your regular income, any tax-free interest, and half of your Social Security benefits. If that total is over $32,000 (married filing jointly), a portion of your benefits could be taxed.

The three tiers for joint filers:
- Under $32,000: 0% of benefits taxed
- $32,000-$44,000: Up to 50% of benefits taxed
- Over $44,000: Up to 85% of benefits taxed

The tricky part? These thresholds are not adjusted for inflation - so as your COLA increases each year, you could gradually move into a higher tier without realizing it.

DOWNLOAD: https://resources.luxonbrown.com/lp/social-security-taxation-guide

For informational purposes only. Not tax or legal advice. Luxon Brown



Download: Taxation of Social Security Benefits
https://resources.luxonbrown.com/lp/social-security-taxation-guide

📋 Disclosures
https://resources.luxonbrown.com/dc/disclosures

Judging your retirement by your portfolio balance is a little like judging your health by your weight.Useful. Nowhere ne...
10/12/2026

Judging your retirement by your portfolio balance is a little like judging your health by your weight.

Useful. Nowhere near the whole story.

A framework published in the Journal of Financial Planning treats retirement as four connected risks to manage, rather than one investment problem to solve.

Longevity. The oldest concern in retirement planning. The hard part isn't a long life — it's not knowing. A plan has to hold up whether retirement runs 15 years or 35, and those can be very different plans.

Market. Volatility, inflation, and the order returns arrive in. Two retirements with identical average returns can end up in very different places depending on when the good and bad years happen.

Health. More than 9 in 10 adults age 65 and older live with at least one chronic condition, according to CDC data. A market downturn is usually something you move through. A serious health event can permanently change what a household spends.

Decision. Retirement brings hundreds of financial decisions, made across decades. Research suggests the ability to make them well peaks in midlife and gradually declines from there. Market declines are episodic. Cognitive change usually isn't.

And they don't stay separate. A health event raises monthly expenses, which means larger withdrawals that happen to land during a downturn. If retirement runs longer than expected, those larger withdrawals have more time to add up.

One change. Several consequences.

A portfolio balance tells you where you stand today. It doesn't tell you how the pieces of your life might move together over 30 years.

The full breakdown of all four: https://www.luxonbrown.com/blog

Here's something retirement checklists often overlook: it's not only about hitting your savings number — it's about when...
09/16/2026

Here's something retirement checklists often overlook: it's not only about hitting your savings number — it's about when you retire.

Two people can retire with nearly identical nest eggs and still have very different experiences, because of what's known as sequence-of-returns risk. If a market downturn hits early in retirement, you may need to withdraw from a shrinking pool of investments — and that can be much harder to recover from than the same downturn happening years later.

That's why some professionals call roughly the 5 years before and after retirement the "fragile decade" — the stretch when market returns can matter most.

You can't control the market you retire into, but you can build a plan structured to help manage that uncertainty.

Read the full article here: https://www.luxonbrown.com/blog/retirement-isnt-just-about-how-much-you-save-its-about-when

This content is for general educational purposes only and is not individualized investment advice. Past performance does not guarantee future results. Luxon Brown is a registered investment adviser. Disclosures: https://adviserinfo.sec.gov

For most of your working life, you have relied on a steady paycheck. As you transition to retirement, that changes.If yo...
08/18/2026

For most of your working life, you have relied on a steady paycheck. As you transition to retirement, that changes.

If you are also dealing with the unpredictable costs of caring for aging parents, a sudden health crisis can dramatically reduce your savings if you haven't built adequate protections.

Get your free copy of the guide here: https://resources.luxonbrown.com/lp/sandwich-generation-guide

For informational purposes only. Not tax or legal advice.



📋 Disclosures
https://resources.luxonbrown.com/dc/disclosures

If you are managing significant assets and find yourself supporting multiple generations, it is time to review your stra...
08/10/2026

If you are managing significant assets and find yourself supporting multiple generations, it is time to review your strategy.

The complexities of tax efficiency, asset protection, and legacy planning require a coordinated approach.

Download our free guide, This Could Be the Last Sandwich Generation, and schedule a no-obligation call with our team: https://resources.luxonbrown.com/lp/sandwich-generation-guide

For informational purposes only. Not tax or legal advice.



📋 Disclosures
https://resources.luxonbrown.com/dc/disclosures

Did you know that old scarecrow laws in many states could hold you legally responsible for your parents unpaid medical o...
08/06/2026

Did you know that old scarecrow laws in many states could hold you legally responsible for your parents unpaid medical or nursing home bills?

For high-net-worth individuals, filial responsibility laws pose a unique risk to asset protection. Our free guide walks through these risks and how to prepare.

Download the free guide here to learn more: https://resources.luxonbrown.com/lp/sandwich-generation-guide

For informational purposes only. Not tax or legal advice.



📋 Disclosures
https://resources.luxonbrown.com/dc/disclosures

You've spent decades building wealth. You've planned carefully, diversified thoughtfully, and made the right long-term d...
08/01/2026

You've spent decades building wealth. You've planned carefully, diversified thoughtfully, and made the right long-term decisions.

But here's a scenario that doesn't get enough attention in retirement planning conversations:

What happens when you find yourself financially supporting both aging parents and adult children at the same time?

This dynamic — often called the "Sandwich Generation" — is more common than most people realize. And for high-net-worth individuals, the financial implications go well beyond cash flow. Unplanned caregiving costs, filial responsibility laws, and multi-generational support obligations can quietly erode the tax efficiency and legacy structure you've worked to build.

The good news is that with the right strategy in place, it's possible to support your family without compromising your own financial foundation.

We put together a free guide — This Could Be the Last Sandwich Generation — that walks through the key risks and strategies for high-net-worth families navigating this dynamic.

Download your free copy here: https://resources.luxonbrown.com/lp/sandwich-generation-guide

For informational purposes only. Not tax or legal advice. Consult a qualified professional for guidance specific to your situation.



📋 Disclosures
https://resources.luxonbrown.com/dc/disclosures

Are you feeling the squeeze of the "Sandwich Generation"? If you're balancing the financial needs of aging parents and a...
07/27/2026

Are you feeling the squeeze of the "Sandwich Generation"? If you're balancing the financial needs of aging parents and adult children while trying to save for your own retirement, you're not alone. Our free self-assessment can help you identify your risks and take the first step toward financial freedom at any stage of life.

👉 Download the guide and assessment here: https://resources.luxonbrown.com/lp/sandwich-generation-guide

For informational purposes only. Consult a qualified professional.



📋 Disclosures
https://resources.luxonbrown.com/dc/disclosures

We are thrilled to officially welcome Michael Davidson to the LuxonBrown team!Michael joins us as a Licensed Life Insura...
07/27/2026

We are thrilled to officially welcome Michael Davidson to the LuxonBrown team!
Michael joins us as a Licensed Life Insurance and Annuity Agent, bringing with him over a decade of leadership experience in the hospitality industry. Throughout his career, Michael has been defined by a singular commitment: delivering exceptional service and putting the needs of others first.
For anyone who has had the pleasure of working alongside or connecting with Michael, you know his dedication to client care is unmatched. Today, he is channeling that same passion into helping families across Florida protect their financial futures. Michael chose this path to align his professional expertise with his dedication to family—both his own and yours. Whether you are looking to secure a mortgage, plan for your children's future, or establish a lasting legacy, Michael is here to guide you.
Please join us in giving Michael a warm welcome. To reconnect or discuss how life insurance can help protect your family, you can reach him at [email protected] or 407-587-5174.
Welcome to LuxonBrown, Michael! 🚀

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17200 Chenal Pkwy STE 300 PMB# 412
Little Rock, AR
72223

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