Insights
Articles reflecting our low-cost, stay-the-course philosophy, written for people making a decision rather than browsing.
Jun 23, 2023
You’ve finally reached retirement with a healthy nest egg and many years of bliss ahead of you. You spent years diligently saving and investing to reach this momentous milestone, and it’s time to make the best of it. Unfortunately, the easy part (at least financially) is already over. A million guides, books, and gurus are […]
Read articleJun 14, 2023
As technology advances and artificial intelligence and automation seep into every aspect of our daily lives, it was perhaps inevitable that our finances got swept into the equation. Enter the robo-advisor, also known as a digital advisor or automated investment platform, a hands-off investment tool that combines artificial intelligence with automation to increase your wealth […]
Read articleJun 6, 2023
Entrepreneurs love to steer the financial helm of their enterprises, primarily focusing on growth and profitability. However, if you’re a business owner, it’s equally important to consider retirement planning. Retirement planning forms an essential part of personal finance management, helping ensure a stable and worry-free financial future. For business owners like yourself, though, this planning […]
Read articleMay 22, 2023
The Revenue Act of 1978 introduced the 401(k), thereby handing employees the reins to their retirement savings and allowing them to decide how much to save and where to invest, leading to a gradual yet significant transformation in the American retirement landscape. As a result, pension availability dwindled from a solid 60% in 1980 to […]
Read articleMay 11, 2023
Retirement planning and financial management can often seem like a game of chess, where every move impacts the ones to follow. This article will discuss how high-income earners can save on taxes by utilizing a variety of investment, rollover, deferral, and deduction strategies. When looking at the bigger picture of our finances, we need to […]
Read articleMay 9, 2023
A comprehensive estate plan goes beyond trusts, wills, and charitable giving strategies. In fact, you can start planning your transfer of wealth today by putting your assets together under one company that you maintain complete control over while also giving your loved ones tax-efficient profits and tax-free gifts from your family business. This article compares […]
Read articleApr 20, 2023
It’s always big news when the Fed announces a change in interest rates. The Fed lowers interest rates to stimulate economic growth while it increases the interest rate to get inflation under control. It’s a delicate balancing act that can have enormous implications for the economy and, inevitably, our investment portfolios. And since the interest […]
Read articleApr 13, 2023
In light of tax season officially ending today (April 18th), we wanted to help you get a head start for a successful tax year in 2023! One of the tax strategies we see underutilized is around children and their earned and unearned income. We’re going to explore what the Kiddie Tax is and some useful […]
Read articleApr 6, 2023
Building generational wealth is the goal of many Americans, but knowing how to grow and protect it for the long haul can be challenging. This article explores wealth mitigation strategies that, when used properly, can safeguard your nest egg from unexpected setbacks and help ensure a stable financial future for you, your loved ones, and […]
Read articleMar 23, 2023
If you are a high-income earner in Sarasota, you may feel that you’ve been blocked from utilizing the Roth IRA. That’s where the Backdoor Roth IRA Conversion comes in. The Roth IRA and Roth 401(K) One of the greatest gifts to come to retirement planning came in the form of the Roth IRA, and subsequently […]
Read articleMar 19, 2023
There is excellent news on the retirement front with the enactment of long-awaited changes to retirement rules in the form of Secure 2.0. This article quickly delves into the most relevant changes to Americans’ ability to plan for retirement. 1. Required Minimum Distributions (RMDs) can start at age 73. Impacts folks aged between 64 and […]
Read articleMar 17, 2023
In this estate planning case study, we will explore the various types of trusts and business entities that an ultra-high-net-worth married couple can utilize to minimize their estate tax. By no means is it a complete list of the trusts and strategies available; rather, it is an attempt to show what is possible when utilizing […]
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