Christy Capital Management

Everybody knows the famous investing dictum: "Buy low, sell high." And yet many investors do exactly the opposite. Why? What drives such behavior? And how can it affect your financial future? In this short video/blog post, Christy Capital financial advisor Mel Stubbs tells a wild story about the consequences of smart and foolish investor actions.

Meet the Christy Capital team Michelle joined the Client Service Team in 2018. Prior to her transition to Christy Capital, she was employed with Retirement Benefits Institute for five years. In that role, she consulted personally with federal employees, helping them understand their federal retirement benefits. Michelle's people skills, passion for client care, and thorough knowledge of federal benefits have proven invaluable for her clients here at Christy Capital. Michelle is continually learning so she can serve others more effectively. She studied at Brevard College where she earned an Associate's Degree in Education. She went on to become a licensed financial advisor in 2020 and specialized her retirement income studies at American College by enrolling in the Retirement Income Certified Professional (RICP) course. After graduating from the program in 2023, she earned her RICP designation. In addition to her responsibilities as a Financial Planner, she is also part of the management team at Christy Capital and is actively involved in the development of others. Outside of her professional life, Michelle enjoys spending time with family and friends. Her favorite hobbies include reading and cooking. She is also an active member of Redeemer Baptist Church in Macon.

Is your retirement plan tax-ready? Or, are you at risk of having to write some eye-popping checks to the U.S. Department of Revenue? In this new blog post and video from Christy Capital Management, Financial Advisor Tommy Neesmith discusses some smart ways to optimize your assets and minimize your tax obligations. (Hint: All you need is three buckets–and the right amount in each one.)

🔍 Discover the hidden truth about Social Security taxes! 💰 Don't miss this eye-opening blog post/video from Tommy Neesmith, Financial Planner at Christy Capital Management. 📖 Read/ 📽️ Watch it here.

"We mustn't view retirement as the end of something. It's simply the next chapter in a life full of chapters. Think of the typical stages we go through over 70 or 80 years: Childhood. College. Early career. Marriage. Parenthood. The Empty Nest. Mid-life. Before we know it, we're getting close to retirement! That's why it's wise to talk to someone, not only about the financial aspects of retirement but also about how you'll spend your days when you're no longer working 40+ hours a week. Even though you're retiring from a job, you're not retiring from life." Tommy Neesmith, Financial Planner, Christy Capital Management

Federal employees: Is your TSP a ticking tax bomb? 💣 When RMDs kick in, your taxable income could soar. That would leave you with less in your pocket and more of your retirement savings going to the IRS. In this new video/blog post from Mel Stubbs, financial advisor at Christy Capital Management, you'll see how a few simple tricks like "maxing out your tax bracket" can result in you keeping more of your money. https://lnkd.in/gY5KR-Q5

Will the IRS get more of your retirement savings than necessary? They might, if required minimum distributions (RMDs) from your TSP push you into a higher tax bracket. Let Christy Capital financial advisor Mel Stubbs show you how some proactive tax planning now can potentially save you $100,000…or more.

What's a fiduciary? Think of insurance agents who represent specific insurance companies. It's in their best interest to sell clients insurance products offered by the company, because that's where the agents make their money. To some, this seems like a "conflict of interest." Fiduciaries are different. They always and only act according to their clients' best interests. It doesn't matter if a fiduciary could make more money selling the client a different product. He or she is sworn to do whatever is best for the client. As a fiduciary, this is our pledge at Christy Capital; we will always, always, put your interests first.

What are the questions we get asked most frequently? That's easy… Do you only work with ultra-wealthy people? What does the process look like if I become a Christy Capital client? How do you help me reach my financial goals? What is a Fiduciary, and why should I care? How do I know you won't scam me out of my life savings? Are you watching my money for me? If you too are wondering about such things, we created a whole page of answers. And if you have any other financial questions, we'd love to hear from you. Drop us a note here https://lnkd.in/dh4n8ZJt. Or call us at 866-331-7749.