Steve Wittenberg’s Summer Reading List
Check out 5 books you won’t want to miss this summer.

Are you planning to retire in the next 3-5 years? This is a critical period, and we can help you think through next steps and set up a plan for success.

Learn when to take Social Security, how spousal benefits work, and how retirees in North County San Diego can avoid leaving money on the table.

A thoughtful look at what a good 401(k) plan includes and why structure, guidance and flexibility matter more than most businesses realize.

What does it take for teachers to retire in San Diego? See realistic income needs, pension impact and how much savings you may need.

A practical guide to 403(b) plans for educators. Learn how it works with your CalSTRS pension and how to build long-term retirement flexibility.

Frustrated with your 401(k)? Discover how advisor-led, customizable retirement plans can reduce fees, improve investment options, and better support your employees and business goals.

The 2026 tax bracket updates could lower your tax bill. See where you fall and how to take advantage of smarter tax strategies now.

We’ve been nominated for the Encinitas Best of North County Award. You can vote each day until April 10th.

As you plan ahead for healthcare costs, it is important to understand how your income can directly impact what you pay for Medicare.

Introducing BrightStar Care, a trusted local provider offering Nurse led high-quality in-home care and support services for seniors and families.

Your financial wealth management library of resources. LInks to articles, posts, FAQs.

We’ve been named the Silver Best Wealth Management in the Best of North County Awards. Learn more at IndependentWealthSolutions.com

Steve Wittenberg’s Summer Reading List
Check out 5 books you won’t want to miss this summer.

Roth IRAs aren’t magic, but they’re about as close as it gets to tax-free growth. The key is understanding the two ways to fund one: contributions and conversions.

Independent Wealth Solutions was named the best financial planner in Encinitas, CA.

Are you watching your 401(k) balance erode during 2025? You’re not alone. Many self-managed retirement savers are feeling the stress of market swings — and wondering what to do next.

But here’s the good news: volatility doesn’t have to derail your retirement plan. In fact, it can offer smart opportunities — if you know how to respond.

Read our three timely strategies to consider.

Meet Maxwell Wittenberg – recent interview in

Shoutout SoCal.

If you have inherited an IRA in recent years, there is an important rule change to be aware of: most beneficiaries are now required to take annual Required Minimum Distributions (RMDs) even if the full account must be emptied within 10 years.

We’ve been nominated for the Encinitas Best of North County Award. Learn more at IndependentWealthSolutions.com