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Holiday Gifting, Spending & Budgeting

Open the sections below to read what you need.

IRS Rule: Business Gifts (the $25 limit)
The IRS generally allows up to $25 per recipient per year for deductible business gifts. Cash or cash-equivalent gifts may be taxable compensation. See IRS guidance.
Holiday Gifting: 4 Quick, Compliant Ideas
  • Keep it small: Coffee cards, treat boxes, branded gear.
  • Choose experiences: Team meal, tickets, early holiday start.
  • Track amounts: Avoid cash/cash-equivalents counting as wages.
  • Add a note: Specific gratitude beats a bigger price tag.
MeaningfulBudget-friendlyTax-aware
Build: Spend in service of your long-term goals
  • Gift with intention, not price.
  • Prefer cash over credit to avoid interest.
  • Start a monthly “Holiday Fund” for next year.
  • Give charitably with tax awareness.
Balance: Keep the season merry — and January calm
  • Set a total limit and a simple list.
  • Budget add-ons: travel, wrapping, events.
  • Avoid last-minute shopping spikes.
  • Plan now for January renewals (taxes, insurance, utilities).
Belong: Build community without overspending
  • Potluck or gift exchange.
  • Volunteer together.
  • Shop local to support small businesses.
Bottom line: Thoughtful gifts + a clear budget = holiday joy now, no debt later.

Retiree Segment

Retiree Segment • 222+

Planning for Life’s “What Ifs”

Retirement isn’t only about numbers on a page—it’s about peace of mind, security, and the freedom to enjoy life with the people who matter most.

“I just want to know that no matter what happens, I’ll be okay.”
Schedule Your Review About Allianz 222+
WMA Master Plan Integration
Tax & Estate Coordination
Lifetime Income Strategy
Meet Susan (62)

After a long teaching career, Susan wanted income she couldn’t outlive—plus flexibility for life’s “what ifs.” Using an Allianz 222+ annuity for part of her savings, she gained:

50%
% Upfront Income Bonus
150%
% Interest Crediting Multiplier
0
Year Deferred Income Option
0
ADLs Trigger for Income Boost*
*If unable to perform two Activities of Daily Living, income may increase for a limited period (per carrier terms).
Day 1

50% Upfront Income Bonus

Allianz increases the protected income value when funded—kickstarting your future income base.

150% Interest Crediting

Each year interest is earned, Allianz boosts that growth by 50% when calculating the income base.

Lifetime Income

After 10 years, elect withdrawals that last as long as you do—reliable income for life.

Health Support Flexibility

If care is needed and ADL criteria are met, income can double for up to five years (per policy terms).

📊 Comparison Snapshot

Hypothetical illustration for $100,000 purchase. Baseline assumes steady 3% annual growth for 10 years; Allianz 222+ values reflect stated bonuses for protected income value. Not a guarantee of future performance.

YearBaseline Growth (3%)Allianz 222+ Income Value
0$100,000$150,000
5$115,927$180,696
10$134,392$225,181
0
Baseline Value @ Year 10
0
Protected Income Value @ Year 10
0
Illustrative Difference

Where Strategic Planning Comes In

At WMA, we don’t view a product in isolation. We design a Master Plan that connects your investments, income, taxes, estate plan, and protection needs—so your strategy isn’t piecemeal. It’s one team, one solution.

✓
Balanced Portfolio
Combine market growth potential with lifetime income.
✓
Tax-Smart Withdrawals
Coordinate distributions to help minimize taxes over time.
✓
Contingency Planning
Build flexibility for healthcare and long-life risks.
For Susan, that meant turning part of her nest egg into a reliable paycheck for life—helping protect loved ones from uncertainty and creating confidence in the future.

How does income protection fit into your retirement plan?

Let’s review your options together and make sure your future feels as secure as it should.

Start Your Review
Disclosures: This content is for educational purposes only and not a recommendation. Contract features, rider availability, ADL requirements, payout factors, and bonus structures vary by product version, state, and issue age. Guarantees are backed by the claims-paying ability of the issuing insurer. Review current Allianz 222+ materials for details.

WMA Takeaway

Each of these provisions creates opportunities — but only if you plan ahead. From families saving with SALT and Child Tax Credits, to retirees reducing taxes on Social Security, to business owners leveraging depreciation and estate exemptions, the key is knowing which strategies apply to your situation.

At WMA, our approach is simple: “Know Your Numbers, Plan Your Future.”

Further Reading & Sources

2026 Open Enrollment for FPA & FCOC — Sign by December 31, 2025

It’s that time of year — WMA’s open enrollment period for our two most comprehensive service packages is here. Whether you’re focused on proactive financial planning or lifetime wealth protection, now is the time to lock in your coverage for 2026.

Fixed Price Agreement (FPA)

The FPA is a customized, fixed-price annual agreement that bundles all the services you need into one coordinated plan — no surprise fees, no fragmented advice.

Tax Return Preparation (individual, business, trust)
Bookkeeping Services (live, classic, online, or quarterly)
Tax Planning, Training & Support
Specialized Accounting (payroll, financial statements, QuickBooks)
Wealth Management Accounting Services (IRA rescue, CPR planning)
Business Services (entity reports, license renewals, 1099/990s)
Customized service list
Discount on included services
Priority access for scheduling & response time
Fixed pricing — no commissions or hidden costs
One coordinated plan for year-round guidance
Enrollment Open for January 2026 Start — Sign by December 31, 2025

Financial Circle of Care (FCOC)

The FCOC is WMA’s lifetime financial care program, ensuring your strategies are reviewed, updated, and protected through every stage of life.

Tax Efficiency & Diversification strategies
Asset Protection Review (Medicaid spend-down, Family LLC maintenance)
Estate Maintenance Review (trustee & POA confirmation, beneficiaries)
Survivor Assistance for spouses/families
Personal Bill Pay & Bookkeeping (when needed)
Charitable Planning (CRUT creation & maintenance)
Secure Online Estate Document Portal
Annual proactive reviews
Coordination across tax, estate & investment strategies
Priority team access for support
Guidance for you & your family through life’s changes
Enrollment Open for 2026 — Sign by December 31, 2025

Why Now Is the Time

If you find yourself calling us often for tax guidance, estate questions, or “what-if” scenarios — an FPA or FCOC is the most cost-effective way to get that access. Starting in 2026, clients without an agreement will see consultations billed at standard a la carte rates. With an FPA or FCOC, those calls are already included — with priority response times — so you can reach out as often as you need without worrying about extra charges.

Miss the Deadline?

If you miss the December 31 deadline, the next open-enrollment period runs March 1 – May 31, 2026, with coverage starting June 1, 2026. Until then, a la carte pricing will apply for services not covered under an agreement.

Don’t Miss This Window — Secure your customized 2026 plan today!

Titusville Phone(321) 206-3139 Fort Wayne Phone(260) 484-1673
Client Spotlight
Reasonable price NEW

Sandra Miller and the whole group at Wealth Management are so great to work with. My wife and I are so grateful for their assistance in guiding us toward retirement. I highly recommend them.

— Mark Mumblow
Services Financial planning

We’d Love Your Feedback!

Your experience matters to us. If you’ve worked with our team, please consider leaving us a review on Google. Your feedback helps us grow and continue serving our community with excellence.

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Year-End: Last Call!

Last Call for 2025 Year-End Meetings Through Dec 15, 2025

We’re wrapping up our year-end appointment schedule soon. If you haven’t booked your appointment yet, please reach out to your WMA advisor so we can review any updates, answer your questions, and help you close out the year with clarity.

What to Know

  • Meetings run through December 15, 2025.
  • If you have a Fixed Price Agreement (FPA), your year-end meeting is included.
  • Otherwise, it’s billed as an a la carte service.

Ready to grab your slot?

Call your nearest office before the calendar closes on December 15, 2025.

Call Titusville (321) 206-3139 Call Fort Wayne (260) 484-1673

Until Next Time

As we wrap up this edition of our newsletter, we hope you found insights that help you build, balance, and belong—whether you’re growing a business, planning for retirement, or simply trying to make the most of your financial journey.

Every quarter, we aim to bring you clear guidance, helpful reminders, and stories that inspire. But the real impact happens when these ideas turn into action.

If you’d like to discuss any of the topics in more detail, please don’t hesitate to call us at (321) 206-3139 or email Office@wmateam.org to schedule an appointment. We’re here to support you.

Your goals are always evolving—and so are we. Stay tuned for upcoming tools, events, and updates designed to support your clarity, confidence, and success.

Until then, thank you for being part of our financial family. We’re honored to walk alongside you.

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