Your 2025 Year-End Financial Checklist: Key Moves Before December 31 As we close out the year, December is one of the most important months for financial planning. A few strategic steps now can strengthen your long-term outlook and ensure you’re entering 2026 with...
529 plans vs UTMAs When families begin saving for their children’s future, two popular options often come up: 529 college savings plans and UTMA custodial accounts. While both are designed to help transfer wealth to the next generation, they work very differently and...
On July 4th, President Trump signed the “One Big Beautiful Bill Act” (BBB) into law, introducing wide-ranging changes to areas such as taxes, benefits, and savings. While much of the discussion has been political, our focus is on what it means for your financial plan....
When planning for retirement, taxes can take a bigger bite out of your savings than you might expect. One way to stay ahead of this is by considering a Roth IRA conversion. Here’s how it works: you move money from a traditional IRA or 401(k) which hasn’t been taxed...
If you’re approaching retirement and hold employer stock in your 401(k) or company retirement plan, there’s a little-known tax strategy that could save you significantly in taxes: Net Unrealized Appreciation (NUA). Many people assume rolling over their entire 401(k)...
With headlines dominated by trade tensions and new tariffs, it’s easy to feel the urge to react and make changes to your portfolio. However, history shows that emotional investment decisions often lead to costly mistakes. Before you decide to exit the market due to...
