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.

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

Good news, teachers, firefighters, police officers, and other public employees! A new law just got passed that could put more money in your pocket when you retire.

The State Teachers Retirement System (STRS) is a pension program that provides retirement, disability, and survivor benefits for educators and public school employees. STRS operates in multiple states, each system having unique policies and structures.

he Golden Handshake program could significantly enhance your retirement benefits, offering you additional service credit years that can substantially increase your pension – potentially adding thousands to your annual retirement income.

At Independent Wealth Solutions, we're committed to keeping you informed about important changes that could impact your retirement strategy. For 2025, updates to catch-up contribution rules may present new opportunities for your financial plan.

Types of Trusts and How They Work

What if you could achieve success sooner?

Frustrated with current 401(k) options? IWS now offers custom plans benefiting businesses and employees alike.

IWS now offers 401k plans.