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 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.
New Year, New Tax Laws
Two major tax law changes take effect in 2026—charitable deductions for non-itemizers and mandatory Roth catch-up contributions. Here’s what they mean for your retirement plan.
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.
Protect Your Path to Retirement: Managing Risk with Insurance
A well-rounded financial plan isn’t just about growing wealth—it’s about protecting it. Life and disability insurance play a crucial role in safeguarding your financial future and ensuring that your loved ones are provided for, regardless of what life brings.
Three Questions to Ask When Inheriting an IRA in 2025
The distribution rules for inherited IRAs can be very confusing. Here, we look at three key questions to help you see through the fog and avoid unnecessary pitfalls.
Downsizing for Retirees: A Practical Guide
Downsizing is an opportunity to embrace a new chapter— with less maintenance, more mobility, and the chance to explore hobbies, travel, or community living.
Ask the Adviser: How can I start planning a tax-efficient 2025?
While we can’t be certain about all the possible changes, we do know that some legislation passed in previous years will begin to take effect in January.
Ask the Adviser: What financial advice would you give to a C‑suite executive?
The uncomfortable truth is that boards change, priorities change, investor sentiments change—and leadership teams often change with them.
Ask the Adviser: What do I need to know about planning for long-term care?
If needed, long-term care is one of the pricier parts of retirement. But it can be even more expensive without a proper plan in place.
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 do I figure out what I actually spend in a year?
Calculating your annual spending isn’t quite as simple as it seems, and yet it’s key to creating an accurate financial plan. Follow this formula.
Retirement Savings and How to Make Time Work for You
Younger generations are lagging behind on target goals for retirement savings. Here, we will look at some simple strategies for catching up.
Recapping Market Highlights and Most-Read Articles from 2023
This past year, we covered topics ranging from inflation and legislative changes to RMDs and asset allocation. Here is an overview.
How Retirement Savings are Changing in 2024
We reviewed the tax code updates for 2024. Here’s what to know about contributing to a variety of retirement accounts.
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.
You’ve Been Given the Chance to Retire Early—Now What?
You’ve brought in a regular income and made wise investments throughout your life. Now you’re facing the transition from generating income to drawing down your savings.
Whether You Are Retiring Now or in 10 Years, the Consolidated Appropriations Act Could Help You Save
Some changes take effect this year, and others are delayed until 2024, 2025, 2026, or even 2033.
Homeownership: The Good, the Bad, and the Expensive
A home is both an asset and a liability. It can be sold like an asset at some point in the future, but there are ongoing expenses that come with homeownership.
