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# Willow Financial

Your retirement dreams deserve better than business as usual

## Sitemaps

- [XML Sitemap](https://willowfinancialnwa.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Blog](https://willowfinancialnwa.com/blog/) - Stay informed with the Willow Financial Blog. Expert advice, tips, and insights on financial planning for Northwest Arkansas residents.
- [Walmart DCMP: Executive Compensation](https://willowfinancialnwa.com/walmart-dcmp-executive-compensation/) - Navigate the Walmart DCMP: decide how much to defer, what to defer, eligibility, and how it fits your broader financial plan.
- [Walmart's ASPP Is Moving to Merrill: Here's What You Need to Know Before July 31](https://willowfinancialnwa.com/walmarts-aspp-is-moving-to-merrill-heres-what-you-need-to-know-before-july-31/) - If your inbox has been filling up with emails about Walmart's Associate Stock Purchase Plan (ASPP), you may be wondering whether there's something you need to do before the program transitions from Computershare to Merrill. For most associates, the answer is simple: probably not. Unless you were already planning to sell shares or make changes
- [Trump Accounts: A Guide for Walmart Home Office Executives](https://willowfinancialnwa.com/trump-accounts-a-guide-for-walmart-home-office-executives/) - There has been no shortage of conversation surrounding Trump Accounts since they were signed into law. Now that these new accounts are officially available as of July 4, 2026, families have a new option to consider when saving for a child's future. While much of the speculation has ended, many executives are still asking the
- [Why Some Families Are Gifting Assets “Upstream” to Reduce Future Taxes](https://willowfinancialnwa.com/why-some-families-are-gifting-assets-upstream-to-reduce-future-taxes/) - When most people think about gifting strategies, they picture money moving from parents to children or grandchildren. But in some situations, families may benefit from thinking about wealth transfers in the opposite direction. It’s called “upstream gifting,” and while it’s certainly not appropriate for every family, it’s one example of how in certain circumstances, coordinated estate and tax planning strategies may help improve tax efficiency for
- [5 Family Wealth Planning Strategies for Retirement](https://willowfinancialnwa.com/5-family-wealth-planning-strategies-for-retirement/) - Family wealth planning decides whether your retirement savings support multiple generations or end with a single one. Start by naming who you are planning for, the freedoms you want to protect, and the time horizons that matter, such as short-term income needs, multi-decade growth, or intergenerational transfer. Making those priorities explicit reduces hidden conflict and
- [3 Strategies for Addressing Appreciated Stock](https://willowfinancialnwa.com/3-strategies-for-addressing-appreciated-stock/) - Learn 3 effective strategies to manage appreciated stock. Minimize taxes, maximize donations, and make smarter investment decisions with Willow Financial.
- [Investment Insights on Northwest Arkansas’ Real Estate Market](https://willowfinancialnwa.com/investment-insights-on-northwest-arkansas-real-estate-market/) - Like most other markets in the country, NWA real estate market experienced a Covid-era boom, leading to low inventory and diminishing days on market.
- [New Charitable Deduction Rules for 2026: What Retirees Need to Know](https://willowfinancialnwa.com/new-charitable-deduction-rules-for-2026-what-retirees-need-to-know/) - The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, introduces new limits on charitable deductions - rules that could reduce tax benefits.
- [STOP WRITING CHECKS TO CHARITY!](https://willowfinancialnwa.com/stop-writing-checks-to-charity/) - Most people focus on how much they give to charity. But how the gift is funded can make a meaningful difference in both taxes and day-to-day cash flow.
- [5 Strategies to Help Manage the Tax Impact of Required Minimum Distributions](https://willowfinancialnwa.com/5-strategies-to-help-manage-the-tax-impact-of-required-minimum-distributions/) - Required minimum distributions can lead to large tax bills or stiff penalties if they are overlooked. Startwith a few simple yes/no questions: what year were you born (SECURE 2.0 moved the baseline to age 73for many), which account types you hold (traditional IRA, 401(k), 403(b), and similar plans), whether youare still working and your employer’s

## Pages

- [Home](https://willowfinancialnwa.com/) - Personalized financial planning and investment advice in Northwest Arkansas. Willow Financial helps you plan, invest, and build confidence in your future.
- [Thank You](https://willowfinancialnwa.com/thank-you/) - Thank you for contacting Willow Financial. We’ve received your message and will respond promptly to help with your financial planning needs.
- [About Us](https://willowfinancialnwa.com/about-us/) - Our experienced team at Willow Financial commits to standing beside you through every financial decision, market shift, and life transition.
- [Privacy Policy](https://willowfinancialnwa.com/privacy-policy/) - Read Willow Financial’s Privacy Policy to learn how we collect, use, and protect your personal information while providing our financial services.
- [Terms](https://willowfinancialnwa.com/terms-of-service/) - Review Willow Financial’s Terms of Service to understand the rules, responsibilities, and guidelines for using our financial services and website.
- [Disclosure](https://willowfinancialnwa.com/disclosure/) - Read the official disclosure from Willow Financial. Understand important terms, policies, and compliance information for our clients.
- [Services & Pricing](https://willowfinancialnwa.com/services-pricing/) - We believe true financial success comes from seeing the complete picture. See how our services can help weave together every strand of your financial life.
- [Login](https://willowfinancialnwa.com/login/) - Access your Willow Financial account securely. Login to manage your investments, view documents, and stay up-to-date with your financial planning.
- [Contact Us](https://willowfinancialnwa.com/contact-us/) - Contact Willow Financial. Schedule a consultation or ask questions about financial planning. Located in North West Arkansas

## Staff

- [Steven M Schmitt ](https://willowfinancialnwa.com/staff/steven-m-schmitt/) - Since 2007, Steven M Schmitt has been doing what he loves: helping people experience those wonderful 'aha moments' when their financial future becomes clear.
- [Madison E Derden ](https://willowfinancialnwa.com/staff/madison-e-derden/) - Madison brings more than analytical skills to the table – she brings the art of truly listening to her clients' hopes, concerns, and dreams.
- [Philip A Kapler](https://willowfinancialnwa.com/staff/philip-a-kapler/) - As a partner at Willow, Philip A Kapler combines his passion for detailed research with a genuine desire to help clients navigate their financial journey.
- [Jason Beatty](https://willowfinancialnwa.com/staff/jason-beatty/) - When Jason Beatty joined Willow in 2024, he brought more than just financial expertise – he brought a genuine desire to help people thrive.
- [Hayden Lindersmith](https://willowfinancialnwa.com/staff/hayden-lindersmith/) - Behind every portfolio at Willow, you'll find Hayden Lindersmith's careful attention to detail.

## Categories

- [Uncategorized](https://willowfinancialnwa.com/category/uncategorized/)
- [Financial Advising](https://willowfinancialnwa.com/category/financial-advising/) - At Willow Financial, proper financial advising is the cornerstone of a secure and prosperous future. Our team of expert financial advisors is dedicated to understanding your financial circumstances, goals, and risk tolerance. We leverage this understanding to provide personalized, strategic advice tailored to your needs. Whether you are an experienced investor or just beginning your financial journey, our advisors can guide you through the complexities of investment strategies, retirement planning, tax efficiency, and much more. We don't just advise; we partner with you to ensure that your financial decisions align with your life's objectives, and we're committed to regularly reviewing and adjusting your plan as your circumstances evolve. With Willow Financial's financial advising services, you're not just planning for the future but preparing for a prosperous one.
- [Financial Planning](https://willowfinancialnwa.com/category/financial-planning/) - We understand that achieving financial stability at Willow Financial requires a well-defined, strategic, and adaptable plan. That's where our comprehensive Financial Planning service comes into play. We work closely with you to understand your current financial situation, short-term and long-term goals, and risk tolerance. Our experienced advisors then formulate a personalized financial plan that caters to your unique needs and circumstances. Whether it's wealth accumulation, retirement planning, education funding, or risk management, we aim to provide a roadmap that guides you towards your financial aspirations. Remember, financial planning with Willow Financial isn't a one-time process - we consistently monitor and adjust your plan to ensure it remains aligned with your evolving life stages and market conditions. Trust Willow Financial to make your financial dreams a reality.
- [Investments](https://willowfinancialnwa.com/category/investments/) - Successful investing is key to wealth creation and financial security at Willow Financial. Our team of experienced investment professionals are dedicated to helping you navigate the complexities of the investment landscape. We provide personalized investment strategies tailored to your unique financial goals, risk tolerance, and time horizon. Whether you're interested in mutual funds, ETFs, individual stocks and bonds, or alternative investment options, we can guide you in building a diversified portfolio designed to optimize potential returns and manage risk. Our investment services don't stop at just portfolio creation - we actively monitor market trends and your portfolio's performance, adjusting strategies to keep you on track towards your financial objectives. Choose Willow Financial as your partner in investing, and let's grow your wealth together.
- [Arkansas](https://willowfinancialnwa.com/category/arkansas/)
- [Charitable Giving](https://willowfinancialnwa.com/category/financial-advising/charitable-giving/)
- [Executive Compensation](https://willowfinancialnwa.com/category/executive-compensation/)

## Tags

- [Family Wealth Planning](https://willowfinancialnwa.com/tag/family-wealth-planning/)
- [Financial Planning](https://willowfinancialnwa.com/tag/financial-planning/)
- [Estate Planning](https://willowfinancialnwa.com/tag/estate-planning/)
- [Walmart](https://willowfinancialnwa.com/tag/walmart/)
- [Investing](https://willowfinancialnwa.com/tag/investing/)