Smart Moves to Consider Before Year-End
The final months of the year can sneak up quickly, and with them come deadlines, decisions, and distractions. Before the holiday season takes over your calendar, fall can be a valuable window to revisit your financial strategy and make sure you’re closing out the year with intention. Whether you’re looking to manage taxes or retirement […]
Why More Families Are Choosing to Gift Wealth Earlier and How to Do It
Estate management isn’t just about what happens after you’re gone— it’s also about what you can do now to help manage future estate taxes, transfer wealth strategically, and attempt to create a meaningful impact during your lifetime. Many families recognize that intentional lifetime gifting isn’t simply generous; it may also be a smart approach to […]
What You Need to Know About the 2025 Changes to Inherited IRA Rules
The rules regarding inherited IRAs have changed in the last five years, and failing to comply with the new requirements may result in IRS penalties. These changes affect people inheriting IRAs and those looking to leave retirement accounts to heirs.1 How the SECURE Act Impacted the Retirement Landscape In 2019, the SECURE Act was signed […]
How Do You Turn Retirement Savings into a Reliable Income Strategy?
Beyond Salary: Understanding Your Total Compensation Compensation is more than just a number on a paycheck. Whether you’re exploring new opportunities, preparing for a promotion, or evaluating your current benefits, it’s important to understand the full value of your total compensation—what you’re earning today and what it could mean for your long-term financial goals. From […]
How Do You Turn Retirement Savings into a Reliable Income Strategy?
You’ve likely spent years building your retirement nest egg—saving diligently, investing wisely, and contributing to retirement accounts along the way. But transitioning from earning a paycheck to relying on your savings can feel overwhelming. It’s a major life change, and having a clear strategy can help ease the stress. As financial professionals, we help clients […]
Navigating Healhcare Costs in Retirement: Life After Employer-Sponsored Health Insurance
As you approach retirement, a critical aspect of your retirement strategy can catch even the most financially savvy individuals off guard: healthcare costs. For decades, you may have enjoyed employer-sponsored health insurance. As retirement looms, you’re about to enter unfamiliar territory and a healthcare landscape vastly different from what you’ve known. Employer Insurance Disappears Many […]
How Much Do You Need To Retire?
A few years ago, there were ads from financial services companies asking, “What’s your number?” The number was the money you needed to retire comfortably. This was an effective way for financial services companies to get people thinking about retirement and encouraging them to strive toward a specific monetary goal. But is asking for a […]
Health Savings Accounts: Pros, Cons, and Retirement Considerations
What if your child needs braces? The cost may be as much as $6,000 for metal braces—more modern versions can run as much as $13,000. Your health insurance may cover only a portion of the cost. If you’re well past the braces stage, what if you or a loved one needs extended care, which almost […]
What is a 1031 Exchange
If you want to add investment real estate to your portfolio, you may want to know what a 1031 Exchange is. While the rules and regulations for this tactic can get complicated, understanding the basic concepts may help you decide if this strategy is right for you. Conducting a 1031 Exchange involves a complex set […]
A Checklist for When a Spouse or Parent Passes
When you lose a spouse, partner, or parent, the grief can be overwhelming. In the midst of that grief, life goes on. There are arrangements to be made, things to be taken care of – and in recognition of this reality, here is a checklist that you may find useful at such a time. First, […]