Insights
Articles reflecting our low-cost, stay-the-course philosophy, written for people making a decision rather than browsing.
Dec 23, 2024
A new year brings fresh opportunities in retirement planning, and 2025 introduces meaningful changes for retirement savers, particularly those in their peak earning years. In particular, the IRS just gave some of us more room to save in our workplace retirement plans. Supersize Catch-Up Provision The headline change? A new “supersize” catch-up provision for ages […]
Read articleDec 1, 2024
In our previous article, we explored how much cash your business should keep in reserves. But what happens if your business begins earning cash above and beyond those reserve requirements? Should you take it as personal income or reinvest it within your business? As with most financial decisions, the answer depends—on your personal financial goals, […]
Read articleDec 1, 2024
Learn how to balance business cash reserves to help cover emergencies, manage cash flow, and seize growth opportunities.
Read articleNov 5, 2024
As Americans, we have abundant opportunities to grow our wealth. Credit is accessible, the stock market offers the potential for compounding gains, and real estate provides a way to hedge against inflation and generate passive income. As your portfolio grows, it can be tempting to stay fully invested, keeping only a small cash reserve to […]
Read articleOct 26, 2024
In our previous article, we explored the advantages of fine-tuning your year-end retirement plan strategy. But your business’s benefits package extends beyond retirement contributions. One of the most impactful non-salary benefits you can offer is healthcare coverage. Providing affordable, reliable access to healthcare through insurance and specialized savings accounts can boost employee morale, reduce absenteeism, […]
Read articleOct 21, 2024
As the year draws to a close, business owners have a great opportunity to reflect on their company’s future and how it aligns with their retirement objectives. In Part 1 of our year-end optimization series, we explored how to maximize retirement contributions, defer income, and accelerate expenses to enhance tax efficiency and retirement savings. In […]
Read articleOct 7, 2024
As a business owner, your focus is often on managing operations, growing your customer base, and ensuring the long-term success of your company. However, with the end of the year rapidly approaching, it might be time to step back and assess your company’s and your own end-of-year financial health. Taking the right actions before December […]
Read articleSep 25, 2024
Learn how Dynasty Trusts can help protect your family’s wealth across generations, offering asset protection, financial control, and tax benefits.
Read articleSep 25, 2024
A Custodial Roth IRA lets your child start saving for retirement early, offering tax-free growth and flexible withdrawals.
Read articleSep 9, 2024
Teach your children key financial skills like budgeting, investing, and charitable giving to set them up for future success.
Read articleAug 22, 2024
We all hope for the perfect retirement, one free of financial and economic concerns, one where we can have the time and money to finally do as we feel, unbeholden to the demands of business or a boss. While we all hope for a retirement free of financial worries, the reality is that health concerns—and […]
Read articleAug 22, 2024
Do you feel retirement is too far away? You’ll qualify for your full Social Security benefit at around the age of 67, though the exact age depends on your date of birth. Perhaps surprisingly, the average age of retirement is significantly lower, at 62, as noted by NerdWallet. For some, the idea of waiting until […]
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