When most people think of a financial advisor, they think of investment management—stocks, bonds, portfolios. And while that’s certainly part of what we do, it’s just one piece of a much larger picture.

At InTrust Advisors, we believe true financial well-being comes from addressing all aspects of your financial life. That’s why we’ve built our practice around eight core pillars of service—each designed to support you through life’s transitions, challenges, and opportunities.

Here’s a closer look at how we help:

1. Wealth Management
Yes, we manage investments—but we do it strategically. From portfolio construction and rebalancing to retirement income planning and alternative investments, our approach is designed to align with your goals, values, and risk tolerance.

2. Risk Management
Life is unpredictable. We help you prepare for the unexpected with insurance reviews, liability assessments, asset protection strategies, and even limited cybersecurity guidance.

3. Tax Planning
Taxes touch every part of your financial life. We offer tax-efficient investment strategies, Roth conversion analysis, charitable giving planning, and coordination with your CPA to help you keep more of what you earn.

4. Estate Planning
Your legacy matters. We assist with trust structuring, will reviews, estate liquidity planning, and family governance—ensuring your wealth is transferred according to your wishes.

5. Cash Management
From budgeting and debt optimization to liquidity event planning, we help you manage your cash flow with clarity and confidence.

6. Philanthropy
Giving back can be deeply fulfilling. We support charitable giving strategies, donor-advised fund setup, and multi-generational philanthropic education to help you make a lasting impact.

7. Value-Added Services
This is where we go beyond the numbers. We offer concierge services, financial education for heirs, life transition coaching, and even financial therapy to help you navigate life with purpose and peace of mind.

8. Purpose Driven Planning
In depth planning to meet your deepest financial goals and desires.  Here we act as your guide to help you overcame obstacles, gain clarity and peace of mind and provide accountability.

Why It Matters?
Financial planning isn’t just about growing wealth—it’s about living well. Whether you're preparing for retirement, selling a business, supporting a family, or navigating a major life change, our services are designed to meet you where you are and help you move forward.

For a full list of the ever-changing list of services we provide our clients, click here for a list. 

Let’s meet Tom and Linda, a married couple living in New Mexico. Tom just turned 65, Linda is 62, and both are still working full-time. They’re not quite ready to retire—but they’re definitely thinking about it.

Thanks to the One Big Beautiful Bill Act, they now have some powerful new tools to help them plan smarter, save more, and maybe even retire a little earlier.

Here’s how.

1. The $6,000 Personal Exemption for Seniors. Tom, being 65, qualifies for a new $6,000 personal exemption—on top of the existing senior standard deduction. If Linda were also turning 65 before year-end, she would qualify too. That’s $12,000 in additional deductions for the couples over the age of 65, assuming their income is below the $150,000 phaseout threshold.

Planning Tip: If their income is close to the limit, they could attempt to defer some income until 2026 or accelerate a deductible expense, like a large charitable contribution into 2025.

2. Above-the-Line Charitable Deduction. Starting in 2026, Tom and Linda can deduct up to $2,000 in charitable contributions even if they don’t itemize. That’s a win for generosity and tax planning.

Planning Tip: If they typically give to charity, they should consider bunching donations or using donor-advised funds to maximize their impact and deductions.  The $2,000 above the line deduction as an fyi cannot be made from a donor-advised fund.

3. Roth Conversion Opportunity. With these new deductions and a stable tax bracket structure, Tom and Linda have a golden opportunity to convert some of their IRA assets to Roth IRAs—without shrinking their accounts or bumping into a higher tax bracket.

Why it matters:

• Roth IRAs grow tax-free
• No Required Minimum Distributions (RMDs)
• Can reduce future Medicare premiums
• Helps surviving spouses avoid higher single filer tax rates
• Advantaged for your heirs over traditional IRAs

Planning Tip: Use the savings from the new deductions to pay the conversion tax. It’s like turning a tax break into a long-term retirement win.

Real-Life Insight: The Roth Conversion Misstep. We once worked with a couple who converted a large IRA balance all at once—without considering the impact on their Medicare premiums. The result? A surprise surcharge and a higher tax bill.

With Tom and Linda, we’d take a measured approach: convert just enough each year to stay within their current bracket and avoid triggering Income Related Monthly Adjustment Account or IRMAA penalties.

Other Planning Opportunities:

• Social Security Timing: Tom may want to delay benefits to increase his monthly payout, while Linda could file earlier depending on their income needs.
• Health Savings Accounts (HSAs): If either is still eligible, they can contribute pre-tax dollars for future medical expenses.
• Estate Planning: With the estate tax exemption now set at $15 million per person, they can revisit their legacy strategy with confidence.

What’s Next? If you’re like Tom and Linda, the One Big Beautiful Bill might be your chance to rethink retirement. And if you’re not sure where to start, we’ve got you covered:

• Try our 15-Minute Retirement Check-In—it’s free, fast, and insightful.
• Book a Strategy Session to tackle your biggest financial questions.
• Explore Partnered Planning for a comprehensive roadmap to retirement.

Final Thought. Tax law changes can feel overwhelming—but they also create opportunities. With the right guidance, you can turn those changes into real-life wins.

What’s the RISE Score? Think of it like a credit score for retirement. It uses thousands of simulations to estimate how well your income will cover essential expenses in retirement. It’s fast, data-driven, and gives you a score from 0 to 850.  The RISE Score is one of the most advanced AI retirement tools available today, but it’s only one piece of a comprehensive retirement planning strategy.

But here’s the catch...

AI Is Smart—But It Doesn’t Know You. AI tools like the RISE Score are great at crunching numbers. What they’re not great at? Understanding your life.  According to InTrust's, Jeff Diercks, “AI can simulate thousands of retirement scenarios—but only a human advisor can ask the right questions.”

We’ve seen it firsthand: a client runs their RISE Score and gets a “green light,” but they forgot to include their mortgage, their plans to travel, or the fact that they’re supporting a family member. The AI didn’t know—and it gave a misleading answer.

That’s where we come in.

Enter the Human Advisor. Our 15-minute check-in isn’t just about the score. It’s about context. Our team of Tampa-based financial advisors brings context, empathy, and experience to your retirement planning journey.  We’ll review your results together, ask the right questions, and help you interpret what the score really means for your life.

No pressure. No sales pitch. Just clarity.

What’s the Catch? There isn’t one. It’s free. All we ask is:

• You show up with your RISE Score results
• You give us honest feedback
• If you love it, maybe leave us a glowing review on Google or Yelp (as soon as the damn regulators allow us to do so as state advisors.  I am told it's close).

Real-Life Example: When AI Misses the Mark. One client came in with a RISE Score of 780—excellent! But after a quick chat, we realized they hadn’t factored in their plan to buy a second home, their adult child’s tuition, or their desire to retire early. After adjusting for those, the picture looked very different.

AI gave them a number. We gave them a plan.

Schedule your free 15-minute retirement check-in with a fiduciary financial advisor in Tampa and discover how human insight complements AI tools like the RISE Score.​

When most people hear about the Big Beautiful Bill, they think of tax cuts—and yes, there are plenty of those. But this new law also includes non-tax changes that could affect your daily life in unexpected ways.

Here are 10 non-tax policies tucked into the bill that you might want to know about:

1. Faster Airport Security for Americans
The bill gives more funding to speed up TSA lines for U.S. citizens—especially frequent travelers. Expect shorter wait times at major airports.

2. Limits on Federal Funding for Abortion
Federal money can’t be used for abortion services, even indirectly. This could affect how some women’s health clinics operate.

3. Stricter Immigration Rules
The bill tightens rules for asylum seekers and increases border security funding. It also speeds up deportation for certain undocumented immigrants.

4. Work Requirements for Welfare
People receiving food stamps or Medicaid may now need to work or volunteer to keep their benefits, depending on their age and health.

5. More Transparency in Hospital Pricing
Hospitals must now clearly post prices for common procedures. This helps patients shop around and avoid surprise bills.

6. Ban on Federal Diversity Training
Federal agencies and contractors can no longer use taxpayer money for diversity, equity, and inclusion (DEI) training programs.

7. Funding for Opioid Treatment
The bill increases funding for addiction recovery programs, especially in rural areas hit hard by the opioid crisis.

8. Ban on Federal Funding for Gender-Affirming Care
No federal funds can be used for gender-transition surgeries or hormone treatments, even for adults.

9. New ID Rules for Voting
States that receive federal election funding must require voter ID. This could change how you vote in future elections.

10. More Power to States
States now have more control over how they run welfare programs, education, and health care—less oversight from Washington.

If you own a business—big or small—the Big Beautiful Bill is packed with tax breaks to help you grow, invest, and save.

What’s New for Business Owners?  

1. 100% Write-Offs for New Investments
Buy a new truck? Upgrade your computers? Build a new office? You can now deduct 100% of the cost right away. That means big savings in the year you spend the money.

2. 20% Income Deduction—Now Permanent
If you own an LLC, S-corporation, or other pass-through business, you can still deduct 20% of your profits from taxes. And now, that rule is permanent.

3. Minimum Deduction for Small Businesses
Even if your business only makes $1,000 in profit, you still get a $400 deduction. It’s a small but meaningful boost for side hustles and startups.

4. R&D Write-Offs Made Easier
If you invest in research or product development, you can now deduct those costs right away instead of spreading them out over years.

How do these help a business owner’s wallet? 
In straightforward terms, these changes mean lower taxes when you grow your business. For example, if your company buys a $50,000 piece of equipment, you can deduct the entire $50k this year. If you’re in roughly a 21% tax bracket (typical for a corporation) or higher (for personal business income), that could save over $10,000 in taxes immediately. That’s money you don’t have to pay to the government, letting you possibly buy another piece of equipment or hire someone sooner.

Similarly, the permanent 20% income deduction means if your small business earns $100,000 in profit, about $20,000 of that isn’t taxed. If you pay, say, ~24% tax on that income, that’s around $4,800 less in taxes each year – a significant savings. Over multiple years, this adds up and can be reinvested into the business or saved for lean times. All in all, the tax savings give business owners more capital to reinvest, expand, and create jobs.

How can we help business owners? 
InTrust Advisors works closely with business owners to strategize around these tax changes. We can help you plan the timing of major purchases or investments to take full advantage of the 100% write-offs – for instance, deciding whether to buy equipment this year or next for optimal tax impact.

We also assist in tax planning in coordination with your CPA to ensure you’re properly using the 20% income deduction and any other credits available.

Please note the exact terms of these Big Beautiful Bill provisions were not specified for simplicity.  You should seek qualified tax help in implementing any of the provisions above.