Beck BodePlanting Deep Roots
March has a way of reminding us that time is moving.
The days are getting a little longer. Tax season is on the horizon. And the goals you set at the start of the year are waiting to be acted on.
We've been reflecting on that idea a lot lately. Coming off our celebration last month of thirteen years of building this firm has reinforced something we believe deeply: the things that matter most, financial security, peace of mind, a legacy worth leaving, don't happen overnight. They're built steadily, through good decisions made consistently over time and, most importantly, with intention.
This month, we're sharing a few things we think are worth your attention. A perspective on patience and long-term investing. A conversation about building money habits that can last generations. A look at our new Portsmouth office, and an important reminder about a contribution deadline that arrives sooner than most people expect.
Small actions, taken at the right time, have a way of compounding into something significant.
In This Issue
Let the Game Come to You: Ben Beck, CFP® shares his perspective on patience and long-term investing
A New Home in Portsmouth: Our New Hampshire team has a stunning new home
Planning Corner: Don't miss the IRA contribution deadline
Let the Game Come to You
There's a lot of noise right now. Markets move. Headlines cycle. Everyone seems to have an opinion on what you should be doing with your money, and they seem to have it urgently.
This month, co-managing partner and CIO Ben Beck, CFP® shares a perspective worth sitting with. It starts with a book his father gave him, The Science of Hitting by Ted Williams, and a single image that never left him: a strike zone divided into 77 circles, each showing what happens to your batting average depending on where you swing.
The best hitters don't swing at everything. They wait for their pitch.
In baseball, you can be called out for not swinging. In investing, nobody rings you up for a called strike. The only strike you take is the one you swing at.
→ Read the full piece: Let the Game Come to You
Building Generational Money Habits
Most parents either think they have plenty of time to set their kids up financially, or they don't think they have enough to make a real difference. The truth is, it's never too early and it doesn't take as much as you think.
On Wednesday, March 25th at 12pm ET, Co-Managing Partner Jim Bode and Director of Client Advisory Vincent Savio will share real stories from families who started building generational habits early, including Jim's own, and the powerful outcomes that followed.
You'll see the actual numbers behind what's possible when families make one intentional money decision early enough to let time do the heavy lifting. Small, consistent actions have a way of compounding into something that outlasts all of us. That's what legacy planning actually looks like in practice.
The most valuable thing you can give your family isn't money. It's time, and this conversation is about how to use it.
Can't join live? Register anyway and we'll send you the replay on March 26th.
A New Home in Portsmouth
We're proud to share that our New Hampshire team has moved into a new space — and we couldn't be more excited about what it represents.
Our Salem and Portsmouth teams are now together under one roof at 1 New Hampshire Avenue, Suite 202, Portsmouth, NH 03801, a bright, thoughtfully designed space built to support the clients we serve across the region.
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This move is about more than an address. It reflects our continued commitment to being present and accessible in the communities where our clients live and work. We're already welcoming clients for in-person meetings and will continue to offer virtual options as well.
We're also planning an official Open House this spring, details coming soon. We hope you'll stop by, see the new space, and celebrate this milestone with us.
Planning Corner: Don't Miss the IRA Deadline: Act Before April 15th
If you have a Traditional IRA or Roth IRA, your 2025 contributions can be made up until you file your return — or April 15th, whichever comes first. That distinction matters. It means you have the opportunity to assess your full tax picture before deciding whether to make additional deductible or non-deductible (Roth) contributions.
Contribution limits vary slightly based on age and adjusted gross income, so it's worth a conversation with your tax advisor before you file. Don't leave that window open longer than you need to.
As You Finalize Your 2025 Return
This is also the first tax season filed under the One Big Beautiful Bill Act, signed into law last July. While most of its changes take effect in 2026 and beyond, a handful of provisions apply retroactively to your 2025 return, and are worth knowing about before you file.
Most notably for many of our clients: taxpayers 65 and older may be eligible for an additional $6,000 deduction on their 2025 return. The SALT deduction cap also increased significantly, from $10,000 to $40,000, which could meaningfully reduce taxable income for clients in higher-tax states like Massachusetts and in some cases, New Hampshire.
These changes are new, and not everyone will qualify. If you have questions about how they apply to your situation, reach out to your advisor.
A Final Thought
March is when the idea of planting takes hold.
Not for grand announcements or dramatic pivots, but for the quiet, intentional decisions that take root slowly and pay off in ways you won't fully see for some time ahead. The contribution made early. The conversation started now. The plan revisited before life makes it urgent.
That's the kind of work that compounds. And it's the work we're honored to do alongside you.
Thank you for the trust you place in us.
The Beck Bode Team
P.S. Can you guess where this month's cover photo was taken? Here's your hint: it might just be the perfect place to spend St. Patrick's Day. Share your best guess, we'll share the answer in April!