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Welcome to the Legacy Tree Financial Blog

Hi, I’m Adam Mahoney—Chartered Financial Consultant® (ChFC®), Founding Partner of Legacy Tree Financial, husband, dad of three, and someone who genuinely loves helping people build financial security and confidence. If this is your first time here, thank you for stopping by. I started this blog to offer clarity, practical insights, and thoughtful strategies to individuals, families, and business owners who want to take control of their financial future.

Whether you're saving for retirement, navigating the complexities of business ownership, or just trying to make smarter money decisions for your family, you're in the right place. This blog is designed to be a resource you can rely on—no fluff, no jargon. Just real guidance rooted in real experience.

Who I Am

My journey into financial planning started long before I ever sat across from my first client. Growing up in Council Bluffs, Iowa, I was lucky enough to have a mom who introduced me to the basics of money management and the philosophies of Warren Buffett. This helped build a love for investments and finance. 

That early passion only grew stronger. I went on to earn a dual major in Business Management and Marketing from Northwest Missouri State University and entered the financial services industry in 2015. Since then, I’ve had the privilege of helping hundreds of people design lives of purpose, stability, and abundance.

Today, I live in Elkhorn, Nebraska with my amazing wife Brittany, our three incredible kids, and our energetic Goldendoodle. Between coaching soccer, watching football, and volunteering with our local youth, I stay pretty busy outside of the office. But every day, I come back to this mission: helping people make smart, confident financial decisions that align with the life they want to live.

What Legacy Tree Financial Stands For

At Legacy Tree Financial, our approach to financial planning is holistic and personal. We understand that no two clients are the same, which means no two plans should be either. Our focus areas include:

  • Financial Planning

  • Wealth Transfer Planning 

  • Risk Management Strategies 

  • Business Owner Planning

We don’t believe in cookie-cutter solutions or pressuring clients into one-size-fits-all products. Instead, we listen, we ask questions, and we build a strategy that fits who you are—your goals, your values, your family, and your future.

What sets us apart? It’s our commitment to treating every client like an extension of our own family. Every decision we help you make is done with transparency, intention, and long-term care.

Why This Blog Exists

Let’s be honest: the financial world can be overwhelming. Between economic headlines, changing tax laws, and the hundreds of "must-know" tips circulating online, it's tough to know who to trust or what to do next.

That’s why I created this blog—to simplify the complex, to make financial conversations feel more human, and to provide genuinely useful advice that helps you move forward.

Here’s what you can expect from my posts:

  • Practical Strategies – How-to guidance on budgeting, retirement, investing, insurance, and tax planning.

  • Real-Life Lessons – Insights from my own life, my marriage, and my journey as a dad and entrepreneur. I also will share case studies when they are appropriate. 

  • Timely Updates – What’s going on in the market, and how it could affect your financial life.

  • Business Owner Tips – Whether you’re running a startup or preparing for succession, I’ll share the tools and strategies that can make a real impact.

And most importantly: everything I share is designed to help you make more informed decisions and feel more confident in your financial future.

My goal is simple: to provide value that sparks conversations, answers questions, and leads to deeper connections. If something you read resonates with you, I hope you’ll reach out and schedule a time to chat. That’s what this is all about—building trust, offering help, and turning that help into meaningful progress.

What’s Next?

You can expect new blog posts a few times per month. I’ll cover everything from:

  • The financial habits that have helped my marriage thrive

  • How to create retirement income you can count on

  • Why business owners need a unique kind of financial plan

  • What to do with your 401(k) after changing jobs

  • How to make confident decisions in an uncertain market

...and a lot more. If you want to make sure you don’t miss anything, I recommend subscribing or following Legacy Tree Financial on social media.

Let’s Connect

If something you read on this blog sparks a question or hits home, I’d love to hear from you. My mission isn’t just to write blogs—it’s to build relationships. The more I know about your goals and your concerns, the better I can serve you.

Thanks again for visiting. I’m excited to share this journey with you, and I hope the stories and strategies you find here will empower you to build a legacy you’re proud of.

Let’s grow something great together.

Monday, June 1, 2026

Stocks extended their rally last week as technology gains, easing oil prices, and growing optimism around a Middle East peace agreement pushed major indexes to new record highs.

Friday, May 29, 2026

Summer is the perfect time to check on your financial foundation. Here are five basics every family should review, from life insurance to retirement savings, before the year gets away from them.

Tuesday, May 26, 2026

Stocks rebounded last week as enthusiasm around AI and optimism for a potential Middle East peace agreement lifted investor sentiment. The S&P 500 posted its eighth straight weekly gain while the Dow reached another record high.

Monday, May 18, 2026

Stocks were mixed last week as inflation concerns, rising Treasury yields, and geopolitical tensions offset continued strength in technology shares.

Friday, May 15, 2026

The five years before retirement are the most critical of your financial life. Here is what families need to address now to protect their income, reduce taxes, and retire with confidence.

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Monday, May 11, 2026

Stocks rose last week as improving peace talks, strong corporate earnings, and better-than-expected job growth boosted investor sentiment. The S&P 500 and Nasdaq reached new highs, extending the market’s rally to a sixth straight week.

Monday, May 4, 2026

Stocks advanced last week as investors looked past Middle East tensions and focused on strong corporate earnings. Major indexes gained, with the S&P 500 and Nasdaq posting their best monthly performance in five years.

Friday, May 1, 2026

Midterm elections often increase market volatility and investor anxiety. This article explores historical trends, election-year behavior, and why diversification and long-term discipline may matter more than political headlines.

Monday, April 27, 2026

Stocks were mixed last week as investors monitored Middle East tensions, rising oil prices, and strong earnings. An extended ceasefire supported sentiment, while the S&P 500 and Nasdaq reached new highs despite ongoing uncertainty.

Friday, April 24, 2026

Markets are noisy, but long-term planning requires context—not headlines. This article breaks down six key takeaways from the latest quarterly market research from J.P. Morgan Asset Management and explains what they may mean for valuations,

Monday, April 20, 2026

Stocks rallied last week as investor optimism grew around a potential end to the Middle East conflict and improving global trade conditions. Strong gains were supported by a shift toward risk-taking and a sharp decline in oil prices.

Monday, April 13, 2026

Stocks rallied last week as investors responded to growing optimism around a Middle East ceasefire and potential reopening of key oil trade routes. Strong gains were supported by improving sentiment despite mixed inflation and consumer data

Monday, April 6, 2026

Stocks rose during the shortened trading week as investors responded to easing Middle East tensions and stronger-than-expected job growth. Improved sentiment and positive economic data helped major indexes rebound after several weeks of dec

Monday, March 23, 2026

Stocks declined for a third straight week as investors reacted to Middle East tensions, rising oil prices, and mixed economic data. Ongoing supply concerns and inflation fears contributed to continued market volatility.

Monday, March 16, 2026

Stocks declined for a third straight week as investors reacted to Middle East tensions, rising oil prices, and mixed economic data. Concerns about potential energy supply disruptions and inflation weighed on sentiment while markets navigate

Monday, March 9, 2026

Stocks declined last week as investors reacted to escalating tensions in the Middle East and mixed signals from the labor market. A surprise job loss report and concerns about oil supply added volatility while markets weighed the broader ec

Saturday, March 7, 2026

I recently earned the RICP® designation. In this post, I share what it means, why retirement income planning is its own discipline, and how a 50% chance of reaching age 90 changes everything about your plan.

Monday, March 2, 2026

U.S. stocks slipped last week as investors weighed renewed AI disruption concerns and a warmer-than-expected wholesale inflation report. International markets rose, while domestic indexes saw midweek gains before ending modestly lower.

Friday, February 27, 2026

Medicare IRMAA can significantly increase Part B and Part D premiums for higher-income retirees. Learn how 2026 income limits work, what counts toward MAGI, and planning strategies to help reduce future surcharge exposure.

Monday, February 23, 2026

Stocks ended a volatile week higher, led by technology gains. Investors weighed sticky inflation, slowing GDP, and geopolitical tensions, while a Supreme Court ruling striking down White House tariffs boosted sentiment late in the week.

Monday, February 16, 2026

Markets declined last week as investors reacted to mixed economic data and growing concerns about AI-driven disruption. U.S. stocks fell, while overseas markets gained and inflation data offered some late-week relief.

Friday, February 13, 2026

Federal Child Investment Accounts are new tax-advantaged accounts for children that provide low-cost, long-term U.S. market exposure with special rules for contributions, investments, and withdrawals.

Monday, February 9, 2026

Stocks were mixed last week as investors rotated between sectors amid heavy earnings, slowing job growth data, and shifting sentiment. The Dow hit 50,000, while tech lagged before a broad Friday rebound.

Monday, February 2, 2026

Stocks were mixed last week as investors weighed Q4 earnings, a steady Fed decision, and inflation data. The S&P 500 briefly touched 7,000, tech stocks lagged, and overseas markets outperformed.

Monday, January 26, 2026

Markets edged lower in a shortened but volatile week as tariff threats and geopolitical tension weighed early, while improving GDP data and easing jobless claims helped stabilize sentiment ahead of earnings and the Fed.

Monday, January 19, 2026

U.S. stocks slipped last week amid volatile economic data, Fed uncertainty, and geopolitical tension. Overseas markets outperformed as inflation data, policy headlines, and earnings drove choppy trading.

Monday, November 24, 2025

AI stock valuation concerns and rate uncertainty drove markets lower early last week, with volatility persisting despite midweek rebounds. Fed commentary offered temporary relief, but weak sentiment and mixed data kept investors cautious.

Tuesday, November 18, 2025

Markets ended mixed as the government shutdown resolved and investors rotated from tech to value. Early gains faded midweek amid concerns over tech valuations and Fed rate expectations, but stocks stabilized by week’s end.

Monday, November 10, 2025

Markets declined last week as labor data, weak consumer sentiment, and the government shutdown weighed on investor confidence, though stocks showed signs of recovery by Friday’s close.

Friday, November 7, 2025

Reviewing your Medicare plan each year helps you stay protected, control costs, and align healthcare coverage with your retirement goals.

Monday, November 3, 2025

U.S. stocks rose for a third week as strong tech earnings, trade optimism, and AI momentum lifted markets, even as the Fed signaled a possible pause after its latest rate cut.

Monday, October 13, 2025

Stocks hit new highs early in the week before sliding sharply on renewed U.S.–China trade tensions. Here’s what drove markets and what investors should watch next.

Monday, October 6, 2025

Stocks rose last week despite a government shutdown, with the S&P 500, Dow, and Nasdaq all posting gains. Investors appeared confident the disruption would be short-lived, focusing instead on strong momentum and resilient market sentiment.

Monday, September 29, 2025

Markets faced a choppy week as stocks pulled back from record highs, pressured by concerns over valuations and the risk of a government shutdown. The S&P 500, Dow, and Nasdaq all posted three straight days of losses for the first time in si

Friday, September 12, 2025

Take control of your taxes before year-end with 10 simple strategies. From maxing out retirement plans and HSAs to charitable giving, Roth conversions, and home-energy credits—see which moves can lower your 2025 tax bill.

Monday, September 8, 2025

Stocks gained last week as megacap tech strength offset weak jobs data. S&P rose 0.33%, Nasdaq 1.14%, while Dow slipped 0.32%. Rate-cut hopes lifted sentiment before a soft jobs report dampened optimism.

Tuesday, September 2, 2025

Markets slipped slightly last week as mixed economic data and Fed commentary kept investors cautious. Stocks rallied midweek on AI earnings before profit-taking set in ahead of the holiday weekend. The S&P 500 ended down 0.10%, Nasdaq fell

Friday, August 22, 2025

The new $10,000 auto loan tax deduction could offer big savings if you qualify. Learn how it works, who’s eligible, and how it fits into a smart financial plan in this edition of Legacy Insights.

Tuesday, August 19, 2025

Markets climbed last week despite mixed inflation signals, marking the third gain in four weeks. A strong CPI report fueled rallies in small-cap and overseas stocks, while investors kept focus on the Fed’s upcoming September meeting.

Friday, August 15, 2025

The Federal Reserve’s interest rate decisions shape everything from mortgage costs to job growth. Learn how the Fed’s dual mandate works, what current economic data says, and what projected rate cuts could mean for your finances in 2025 and

Monday, August 11, 2025

Markets climbed last week as strong earnings and hopes for a Fed rate cut outweighed new tariffs. The Nasdaq hit a record close, and all major indexes posted solid gains.

Friday, August 8, 2025

Becoming a parent changes everything—including your finances. In this post, I share 10 essential financial tips for parents, from 529 plan updates to life insurance, budgeting, and estate planning—all inspired by my journey as a dad.

Tuesday, August 5, 2025

Markets retreated last week as investors digested mixed economic data, stalled trade talks, and second-quarter earnings. With inflation still a concern and Fed policy in focus, volatility may persist in the weeks ahead.

Friday, August 1, 2025

Choosing between a Roth and Traditional IRA is a key retirement planning decision. This guide from Legacy Tree Financial breaks down the differences, eligibility rules, and strategies like the Backdoor Roth.

Friday, July 25, 2025

Should you name a trust as your IRA beneficiary? This blog breaks down the pros, cons, tax implications, and real case studies to help financial advisors guide clients through this complex estate planning decision.

Friday, July 18, 2025

Celebrating 10 years of marriage, a financial advisor shares 10 key money lessons for couples—from honest conversations and joint budgets to life insurance and long-term goals. Build a stronger relationship and financial future together.