A few months ago, I met with a couple who are about seven years from retirement. They’ve had strong careers, their kids are finishing college, and their investment accounts are well built. On paper, everything looked solid. As we reviewed their accounts together, one detail stood out: They were holding more cash than they realized. […]
For many successful savers, Roth accounts can feel out of reach. Income limits often prevent higher-earning households from contributing directly to a Roth IRA, leading many people to assume Roth planning is not available to them. In reality, Roth strategies remain highly relevant for affluent families. They simply require a more thoughtful and coordinated approach. […]
The start of a new year naturally invites reflection. For many of us, the past year brought a mix of emotions. Pride in what we handled well. Frustration over what felt hard. Maybe even some uncertainty about what comes next. And while it is tempting to jump straight into resolutions, there is real value in […]
Most of us hope to stay healthy and independent for as long as possible. Still, as we age, many people will need help with basic daily tasks like bathing, getting dressed, or managing medications. Planning ahead for this stage of life is not about expecting the worst. It’s about giving yourself and your family clarity […]
All you can take with you is that which you’ve given away The journey from Thanksgiving to New Year’s Day is often a sprint. “Gratitude Month” culminates in Giving Tuesday, which quickly gives way to generous holiday giving in December, and we’re off to new beginnings in January! I don’t know of another film that […]
On July 4th, a major piece of tax legislation was signed into law. While not every provision of the One Big Beautiful Bill will apply to your situation, several key changes could influence how you give, plan for retirement, and support your family. We’ve created a summary tailored to families like yours: those navigating their […]
As tax season ramps up, many people focus on their immediate tax bill. But taxes aren’t just a once-a-year concern—they play a role in your financial picture year-round. One of the most effective ways to manage your tax exposure is through a tax diversification strategy that spreads investments across different types of accounts to balance […]
The Internal Revenue Service (IRS) released final regulations and guidance on updated required minimum distribution (RMD) rules. These rules were proposed in the Consolidated Appropriations Act that was signed into law in early 2023. Dubbed “SECURE 2.0”, this law made changes impacting retirement plan participants, IRA owners, and beneficiaries. For many, these proposed rules generated […]
This is about wellness, health, and yes, money. Have you ever gone a long time without looking at your account balances? Ever held off on checking in with your advisor because you were afraid your financial plan was off-track? Does anxiety about financial headlines keep you from learning more about money and investing? I have […]
On December 29, 2022, President Biden signed into law the Consolidated Appropriations Act, 2023. “SECURE 2.0” is a spending bill intended to make retirement savings more straightforward and more accessible. It includes many aspects of financial planning and promotes retirement savings. This is a high-level summary addressing the items most likely to affect our clients. […]