Ask the Adviser: How Do I Know If My Asset Allocation Is Still Right for Me?
Does a big milestone mean you should change your asset allocation? Not necessarily. We always ask our clients these 5 key questions before we rebalance their portfolio.
The Pros and Cons of Self-Directing Your Employer-Sponsored Retirement Account
While more investment choices may be appealing, there are some issues to be aware of before taking this direction.
The Difference Between Stock Options and Restricted Stock Units (RSU’s)
Complexity abounds with respect to a RSU or option decision.
How To Title Your Cars To Limit Liability
Understanding how your assets are titled is a major tool to protect your wealth.
Are Your Investments as Diversified as You Think?
Owning multiple mutual funds or ETFs may seem diversified at first glance, but hidden overlap can create unnecessary risk and complexity. Learn how true investment diversification focuses on clarity, balance, and long-term strategy.
Ask the Adviser: What should I do with Paper U.S. Savings Bonds? How to Convert Paper U.S. Savings Bonds to Electronic Bonds.
Converting your paper savings bonds to an electronic format allows you to access their current rate and value, which is especially important as you plan for retirement.
Ask the Adviser: What is the new Trump Account I keep hearing about?
The Trump Account for kids 2026 introduces a new tax-advantaged way to invest in a child’s future, including a potential $1,000 government contribution. Learn eligibility rules, contribution limits, and how it compares to 529 plans.
Avoiding the Unpleasant Surprise of a Mutual Fund Capital Gain Distribution
Capital gain distributions from mutual funds can create unexpected tax bills—especially when investing in taxable accounts near year-end. Understanding realized gains, unrealized gains, and distribution timing can help investors avoid costly surprises.
Ask the Adviser: If I don’t have earned income can I Fund my Retirement Accounts Based on my Spouse’s Income?
If you don’t have earned income of your own, you might think your path to retirement savings is blocked. However, if you are married and filing a joint return, your spouse’s income can unlock the door to your own IRA. Whether you are looking to catch up on savings or protect your assets from future medical costs, the “Spousal IRA” is a powerful wealth-building tool you should be using.
The Three Ghosts of Retirement (Past, Present, and Future)
Your retirement is personal, but it’s easy to worry if it’s as secure as it could be. Inspired by *A Christmas Carol*, we explore the three “ghosts” that haunt retirees: taxes, inflation, and sequence of returns. Learn how planning can drive away these common fears.
Ask the Adviser: What is the Difference Between Capital Gains and Capital Gains Distributions?
Many investors are surprised to learn that mutual funds can trigger taxable gains even when nothing is sold. This article explains the difference between capital gains and capital gains distributions—and how choosing the proper investment structure can help reduce surprise taxes.
Ask the Adviser: How are Assets in My IRA Different Than Other Assets in my Estate?
IRAs are subject to their own set of rules, and those rules can be complex. Here’s what to know at a high level.
Ask the Adviser: What is Form 5498, and why did I receive it so late?
Form 5498 must be mailed to the IRS by May 31. However, because IRA contributions can be made up until April 15, you might not receive Form 5498 until after Tax Day.
Ask the Adviser: What’s the difference between premium bonds and discount bonds?
Bonds can be sold on the secondary market for more—or less—than par value. That sale price separates a “premium” from a “discount” bond.
Are You an Investor—or a Speculator?
When you purchase gold, cryptocurrencies, or art, you own an asset you hope will appreciate—without any real idea if it will.
Are You Overspending in Retirement?
The 4% rule was developed taking economic downturns into account, and it has generally held up well during recent financial crises.
Should You Do a Roth Conversion?
Deciding to convert to a Roth IRA doesn’t have to be all or nothing. Let your tax bracket be your guide when determining the amount to convert.
Ask the Adviser: How Can I Guide My Grandchildren to Make Smart Money Choices?
Here are three practical ways to lead those who lack some of the financial skills you’ve gained in your lifetime.
Your 2024 Guide to Year-End Tax Planning
Reducing your tax liability means taking advantage of regulatory updates. We’ll look at some of the year’s tax law changes and opportunities.
Don’t Overlook HSAs as a Retirement Savings Vehicle
It’s a little-known fact that health savings accounts can provide an excellent way to save, invest, and take distributions—without paying taxes.
