Broker Check

Blog

Welcome to the Palmerus Wealth Blog!

Financial decisions are rarely isolated. Investment management, retirement planning, taxes, and cash flow all work together to support long-term financial goals. This blog was created to help provide insight into how these pieces fit together.

At Palmerus Wealth, we work with families, professionals, and business owners to help them think through the broader financial picture. Many individuals accumulate assets over time but are unsure how their investments, savings, and planning decisions align with their long-term objectives.

The purpose of this blog is to share educational perspectives on financial planning topics such as cash flow, retirement planning, investment considerations, and long-term financial decision-making.

These articles are designed to help provide clarity around financial concepts so individuals and families can make more informed decisions as their financial lives evolve.

Financial planning is not a one-time event. Circumstances change, opportunities arise, and priorities shift. Reviewing financial decisions within the context of long-term goals can help ensure resources are aligned with what matters most.

We invite you to explore the articles and insights shared here.


Thursday, May 28, 2026

Running a business in Sioux Falls creates a financial picture that's fundamentally different from a traditional salary. Income fluctuates, wealth is concentrated, and decisions are interconnected.

Wednesday, May 27, 2026

Retiring changes what your 401(k) needs to do. This post explains your options — rollover, leave it, begin withdrawals — and why the decision matters more than most people realize.

Thursday, May 21, 2026

Many people assume taxes go down in retirement. Sometimes they do — but often the picture is more complicated. This post explains how retirement income is taxed and what you can do about it.

Thursday, May 14, 2026

You spent decades saving. Now the question flips: how do you spend it without running out, overpaying in taxes, or wrecking your Medicare premiums? This is the guide to turning scattered accounts into one coordinated retirement paycheck.

Wednesday, May 13, 2026

Most business owners put off succession planning until it's almost too late. This post explains why starting early matters and what the key decisions actually are.

Show All

Tuesday, May 12, 2026

Most business owners focus on the sale price. But how the transaction is taxed and structured can be just as important as the number itself. This post explains what you need to know before you get to the closing table.

Thursday, May 7, 2026

Sioux Falls offers a strong foundation for retirement — lower cost of living, no state income tax, manageable pace of life. But those advantages only matter if your income plan is built to take advantage of them.

Wednesday, May 6, 2026

South Dakota's lack of state income tax is one of the most meaningful financial advantages for retirees — but only if you understand how to use it. This post explains how the tax structure affects income strategy and long-term planning.

Tuesday, May 5, 2026

The decision to sell your business or keep it as an income source is more complex than it looks. This post walks through the real tradeoffs and what to consider before you decide.

Monday, May 4, 2026

Learn why allocating investments across retirement accounts, investment accounts, and asset types plays a key role in supporting flexibility, growth, and long-term financial independence.

Friday, May 1, 2026

For most business owners, the business is the plan. But relying solely on a future sale or ongoing income from the business can leave significant gaps. This post explains what a complete retirement picture can look like.

Thursday, April 30, 2026

Learn how investing outside retirement accounts can offer flexibility, tax efficiency, and long-term growth. Understand how taxable investment accounts can fit into a coordinated financial plan.

Wednesday, April 29, 2026

How you pay yourself as a business owner can affect your taxes, retirement contributions, and long-term wealth — not just your monthly cash flow. This post breaks down how to help you think about it.

Tuesday, April 28, 2026

Most business owners know how to build cash — but fewer know how to put it to work strategically. This post explains how to think about allocating excess cash across liquidity, stability, and long-term growth.

Monday, April 27, 2026

Many business owners accumulate cash but aren’t sure how it fits into their long-term financial plan. This article explains how to evaluate reserves, understand opportunity cost, and align business success with personal financial goals.

Saturday, April 25, 2026

Many families and professionals wonder if they’re on track financially. This article explains how saving, investing, and financial planning work together to help align your current decisions with your long-term goals and financial future.

Friday, April 24, 2026

Saving consistently is an important part of financial planning. This article explains how to evaluate your saving habits and how saving, investing, and long-term planning work together to support your financial goals.

Thursday, April 23, 2026

A retirement income plan should balance growth, stability, and flexibility. This article explains how income planning works and how to structure your portfolio for long-term success.

Tuesday, April 21, 2026

Sequence of returns risk can affect how long your retirement savings last. This article explains what it is, why it matters, and how thoughtful planning can help reduce its impact.

Monday, April 20, 2026

Cash savings play an important role in financial planning. This article explains how to think about savings, cash flow, and long-term goals so individuals and families can understand how savings fit into their overall financial picture.

Friday, April 17, 2026

Changing jobs affects retirement accounts, benefits, and financial planning decisions. Understanding how these pieces connect can help ensure your financial progress remains aligned during career transitions.

Thursday, April 16, 2026

A 10% market drop isn’t unusual—but it can reveal how well your portfolio is built. This breaks down how strong portfolios handle volatility, where most fail, and why coordination across investments, taxes, and income matters.

Wednesday, April 15, 2026

Converting a traditional IRA to a Roth IRA may offer long-term tax advantages, but it doesn’t make sense for everyone. This article explains when Roth conversions may be beneficial and how they fit into retirement planning.

Tuesday, April 14, 2026

How much you withdraw from your retirement portfolio can affect how long your savings last. This article explains how withdrawal strategies work and how thoughtful planning can help create stable retirement income.

Monday, April 13, 2026

Learn when hiring a financial advisor makes sense, how financial planning works, and how coordinated investment, tax, and retirement strategies can help support long-term financial goals.

Friday, April 10, 2026

Learn what financial planning actually includes, from investment allocation and tax-efficient strategies to coordinating retirement, brokerage, and savings accounts for long-term financial independence.

Thursday, April 9, 2026

Market downturns affect retirees differently than long-term investors. Understanding sequence of returns risk and planning income sources can help create stability and confidence during uncertain markets.

Wednesday, April 8, 2026

Learn why tax diversification across retirement, Roth, and brokerage accounts is essential for tax efficiency, flexibility, and long-term financial planning. Understand how account structure impacts your future.

Tuesday, April 7, 2026

As investors approach retirement, protecting part of their portfolio becomes more important. This article explains why some investors balance growth with stability to preserve long-term financial independence.

Monday, April 6, 2026

Many people accumulate multiple retirement accounts over time. Understanding how these accounts fit together can help improve coordination, simplify planning, and ensure investments remain aligned with long-term goals.

Thursday, April 2, 2026

Choosing between pre-tax and Roth contributions affects more than taxes today. Learn how each option fits into long-term retirement planning and why building tax diversification can create greater flexibility and efficiency over time.

Wednesday, April 1, 2026

Concerns about market downturns and dollar devaluation are common, especially as retirement approaches. This article explains how those risks fit into long-term planning and protecting financial progress.