Beck BodeReflecting, Celebrating, and Looking Ahead
As the year comes to a close, it’s a natural moment to pause. To reflect on what we’ve built, who we’ve built it with, and where we’re headed next. Year-end invites perspective. Not just on milestones or numbers, but on people, purpose, and progress over time.
In this edition, we share highlights from our recent year-end gathering, where our full team came together to reflect on the year and celebrate individuals who embody the heart of Beck Bode. We also reflect on the impact of our annual toy drive and highlight an important planning opportunity coming in 2026.
As the holiday season approaches, we hope these stories encourage reflection — on gratitude, growth, and the legacy you’re building.
In This Issue
- Year-End Reflection: Bringing our team together & honoring excellence
- Giving Back: Our annual toy drive and community impact
- Planning Corner: A big change coming for high-earning savers in 2026
Bringing Our Team Together & Honoring What Matters Most
Last week, we brought together our growing team from all three offices for our annual year-end gathering. It was a chance to step away from the day-to-day, reconnect in person, and reflect on the year we’ve shared.
With six new faces joining us this year across client support, tax, marketing, and sales, the day reinforced an important theme: growth isn’t just about moving faster, it’s about preparing thoughtfully for the needs of our clients and the future we’re building together.
We also took time to recognize two individuals whose impact reflects the culture we strive to create every day.
This year, we introduced a new award in honor of Greg Malloy, a longtime client, mentor, and early believer in Beck Bode. The Greg Malloy Award recognizes someone who demonstrates resilience, ownership, and a commitment to growth, even when growth feels out of reach. We were honored to name Angel Costanza as the inaugural recipient, recognizing her steady leadership, unwavering commitment to the firm, and remarkable strength in continuing to show up for others during a year that asked more of her than most.
We also presented the David Mallach Award to Andy Martone, recognizing an individual who exemplifies the Beck Bode purpose of doing good — through leadership, relationships, and a genuine desire to help others succeed. Andy was honored for his continued personal growth, his role in bringing new talent into the firm, and the way he consistently supports others while living out our values day to day.
These moments reminded us that culture isn’t something you declare. It’s something you build — through shared experiences, meaningful relationships, and people who consistently show up with heart and purpose.
Giving Back Together: Annual TOy Drive for Christmas In the city
This year, we’re proud to support Christmas in the City’s Jake’s Toy Mania program, which helps local families choose gifts for their children during the holiday season. The program serves families with a demonstrated need and offers them a scheduled shopping experience where parents and caregivers can select new toys and gifts, free of charge, thanks to the generosity of donors and volunteers.
As part of Beck Bode’s 2025 charitable initiative, our team came together to bring gifts in support of this effort. From individual contributions across the firm to a final delivery made in our Marketing Director Jack’s red truck filled with toys, it was a collective effort that reflected the generosity and shared commitment of our team.
We’re grateful to everyone who participated and helped turn a simple idea into something meaningful for families in our community.
Planning Corner: A Big Change Coming in 2026 for High Earners
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Director of Financial Planning |
As we look ahead, we want to make sure you’re aware of an important planning change on the horizon.
Beginning in 2026, a provision from the SECURE Act 2.0 will change how certain high earners make catch-up contributions to employer-sponsored retirement plans. For individuals age 50 or older who earn above $150,000 , catch-up contributions will be required to go into the Roth portion of their plan rather than the traditional pre-tax side.
While plan administrators will notify those impacted, this shift could have meaningful implications for long-term retirement planning.
Meg Curry, CFP®, recently explored who this affects and how Roth catch-up contributions may fit into a broader strategy.
→ Read the full article: A Big Change Is Coming for High-Earning Savers in 2026
A Final Thought
As the year comes to a close, we’re reminded that meaningful progress, in life, in family, and in planning, happens over time. It’s shaped by thoughtful decisions, strong relationships, and a willingness to think beyond the present moment.
Whether you’re gathering with loved ones, reflecting on the year behind you, or beginning to think about what’s ahead, we hope this season brings rest, perspective, and clarity.
From all of us at Beck Bode, we wish you and your family a warm, joyful holiday season. We’re excited for the year ahead.
The Beck Bode Team