A dependent care FSA offers working parents a tax-efficient way to pay for childcare expenses. Discover how to make the most of this valuable benefit in 2025 and 2026.
Fresh observations on financial planning and investment management.
Secure Your Legacy: Understanding Your Beneficiary Designations
Beneficiary designations are your direct voice to others, specifying who receives your assets after you’re gone. Discover actionable insights into how your beneficiary designations can be a cornerstone of your financial plan.
Actionable Estate Planning: Beneficiary Review Guide
Learn why a proactive beneficiary review is time well-spent. Identify any potential gaps across all your accounts. Take the time now to avoid future complications and to ensure your wealth transfers smoothly and efficiently.
Harnessing Your Generosity: Tax-Efficient Gifting Strategies
Discover how direct payments to medical providers and educational institutions offer tax-efficient gifting strategies to thoughtfully give in support of others.
A Lifetime of Education: Effective Planning with a 529 Account
Confidently navigate transforming your children’s educational dreams into an achievable goal. Explore whether a 529 account aligns with your savings priorities.
Practical Perspectives: Your Child’s Roth IRA, Summer Jobs, and College Aid
Parents, guide your college student on how to open and fund their Roth IRA. Align their investments with their goals. Explore how your child’s Roth IRA can influence financial aid for college.
Empowering Lifelong Lessons: Your Child’s Roth IRA and Their Summer Jobs
For young investors navigating the summer job market, learning how to save for retirement, no matter what career they choose, is a lifelong behavior worth fostering. One long-term investment account for you and your child to consider is a Roth IRA.
2025 Annual Gift Tax Exclusion: Aligning Your Values and Goals
Imagine the joy of giving in a way that truly matters to others. Understanding the 2025 Annual Gift Tax Exclusion can be a powerful tool to align your generosity with smart, tax-efficient planning.
Building Resilience: A Mindset for Market Volatility and Long-Term Success
Market volatility, coupled with mental stress and doubt, is a normal part of investing. Investors can navigate the current period by pausing, reflecting on past experiences, and centering their investment decisions on a well-defined strategy.
Your Introduction to Spousal IRAs in 2025: A Brighter Retirement, Together
For married couples saving for retirement, a Spousal IRA can help you make progress toward your goals. Read on to explore the defining aspects of the Spousal IRA.
Traditional IRA Essentials: A Straightforward Approach to Saving for Your Retirement
A Traditional IRA can be a simple way to save for your retirement. Read on to explore the potential benefits, drawbacks, and key details of a Traditional IRA for 2025.
Your Roth IRA Guide for 2025: Simple Steps to Fuel Your Retirement
A Roth IRA can be a straightforward way to save for your retirement. Explore the potential benefits and drawbacks, as well as the key details of a Roth IRA for 2025.
Homeowner Insights: Removing Your Mortgage Escrow Account
If you’re a homeowner looking to keep more of your money working for you throughout the year, here’s one small adjustment to consider. Evaluate whether you can remove the escrow account requirement on your mortgage. Explore the potential benefits and drawbacks, as well as the practical approaches.
2025 Homeowner Insights: Comparing Mortgage Refinancing, Recasting, and a Lump-Sum Principal Payment
Evaluate three common mortgage adjustment tools available to many homeowners. While mortgage refinancing is a familiar strategy, there’s never been a better time for hardworking homeowners to understand the effects of mortgage recasting and a lump-sum principal payment.
What is Mortgage Recasting in 2025?
The dream of owning a home, for many couples, becomes a reality through the support of a mortgage. This financial commitment can open the door to stability, security, and a place to call your own. While refinancing is a more familiar strategy, there’s never been a better time for hardworking homeowners to evaluate mortgage recasting.
Dependent Care FSA: A Planning Essential for Summer 2025
Explore how your Dependent Care Flexible Spending Account can fit into your family’s 2025 summer plans. Understand the key facts and considerations when it comes to confidently navigating this area of your financial life.
Your 2025 ESPP Strategy: Understanding Qualifying and Disqualifying Dispositions
If you participate in an employee stock purchase plan (ESPP) in 2025, read on to better understand qualifying and disqualify dispositions. Understand what you need to know before selling your ESPP shares. Feel more confident and prepared during your next ESPP enrollment window.
Health Savings Account: Gain Confidence and Clarity for 2025 and Beyond
For busy, working parents and professionals, saving for retirement using a Health Savings Account (HSA) might not feel like a top priority. Whether you already have an HSA or are considering opening one, spend a few minutes exploring the benefits, drawbacks, and practical considerations of an HSA.
Navigating Roth IRA Withdrawals: Practical Considerations for Prodigious Savers
For working professionals saving for retirement, understanding how Roth IRA withdrawals work can help you think about when you can access your retirement savings. Explore how you can efficiently access money held in your Roth IRA. Feel better informed to evaluate whether contributing to a Roth IRA aligns with your goals.
Charitable Donation Bunching: Thoughtfully Supporting Your Family’s Charitable Giving Goals
Thoughtfully combine your charitable goals with multi-year tax planning. Read on to learn how you can evaluate charitable donation bunching.
Your 2024 Savings Priorities: Are You Making Progress Toward Your Goals?
For working parents, whether you want to save and invest for your retirement, your children’s education, or you’re wondering what to do with your year-end bonus, now is a great time to revisit your savings priorities and evaluate your progress.
Reviewing Insurance Policies: Evaluating 3 Essential Protections for Your Family
Now is a great time for reviewing insurance policies that protect what matters most in your life. Explore ways you can approach reviewing your automobile, home, and umbrella insurance policies.
Your Personal Cybersecurity Toolkit: 5 Simple Techniques Designed to Protect Your Digital Life
Bad actors can use the personal information you share online to steal your identity. It can also lead to fraudulent use of your credit card and bank account. Here are 5+ personal cybersecurity techniques to consider in your daily life.
Funding Your Child’s Roth IRA: Summer Jobs and Healthy Saving Habits
If your child’s first summer job is “in the books”, right now is a great time to help them evaluate saving for their future. One long-term saving vehicle to consider is a Roth IRA. Explore the details of contributing to your child’s Roth IRA and evaluate whether it aligns with your family’s savings priorities.
‘In Case of Emergency’ Inventory: A Helpful Way to Organize Key Details for Your Family
For working couples, navigating the unknowns of life can be easier when you feel prepared. One way you can feel more prepared is by organizing your family’s financial, professional, and estate details. All in a single place. Read on to learn how to create a guide that could help keep your family on track if you are no longer around.
Effectively Navigating Your Employee Stock Purchase Plan (ESPP): Tax Planning Considerations and Illustrative Examples
An employee stock purchase plan (ESPP) allows you to buy shares of stock in your employer. Explore what to consider when selling your ESPP shares in this educational overview.
Get to Know Your Employee Stock Purchase Plan (ESPP): Fundamentals and Key Terms
An employee stock purchase plan (ESPP) allows you to buy shares of stock in your employer. You can often buy shares with up to a 15% discount in a qualified ESPP. When you understand key terms, rules, and considerations, you can make more informed and tax-aware choices.
Understanding Different Long-Term Disability Insurance Policy Riders
Evaluating your long-term disability insurance policy riders can help you tailor a policy to provide the right amount of coverage and flexibility in the future.
A Closer Look: Understanding Your Restricted Stock Units
Restricted stock units have the potential to create significant wealth for you and your family. Explore this educational post to better understand the key elements of your RSUs.
Disability Insurance: Fitting Your Family’s Goals, Your Lifestyle and Your Profession
A disability insurance policy can provide financial protection for you and your family if you were to become ill, experience an injury that prevented you from working or working in your specialized field. Evaluating your disability insurance coverage is an essential step for many working professionals.
Term Life Insurance and Your Family: Understanding Your Options and 4+ Factors to Consider When You Evaluate a Policy
Term life insurance can provide your family with financial support if you pass away.
Explore key factors, terms, and practical considerations in this educational overview.
Planning for Your First Child: Today’s Smart Opportunities and Essential Considerations (Part 4 of 4)
While you’re planning for your first child, consider these essential topics. If you’re already a parent, give yourself a double check. Feel more confident that you have a plan that fits your family’s needs today.
A Closer Look: Understanding the role of a Dependent Care Flexible Spending Account and the Child and Dependent Care Tax Credit today
While you’re planning for the arrival of your child, evaluate how the Dependent Care Flexible Spending Account and the Child and Dependent Care Tax Credit fit into your financial plan. If you’re already a parent, give yourself a double check. Feel more confident that you have a plan that fits your family’s needs today.
Go Beyond “Saving for Baby” to an Actionable Plan: Today’s Smart Opportunities and Essential Considerations for Parents (Part 2 of 4)
While you’re planning for the arrival of your first child, consider these essential topics. Even if you’re already a parent, give yourself a double check. Feel more confident that you have a plan that fits your family.
Planning for Your First Child: Smart Opportunities and Essential Considerations (Part 1 of 4)
Congratulations! While you’re planning for the arrival of your first child, consider these essential topics. Even if you’re already a parent, give yourself a double check as you prepare to welcome your newest baby. Feel more confident that you have a plan that fits your family.
Practical Approaches to Automate Your Savings: 3+ Simple Ways to Regain Your Time and Instill Peace of Mind
Whether you’ve been investing for 1 year or 50+ years, you can set up simple ways to automate your savings. Explore practical considerations that align with your “why”. Feel more confident in completing the routine items on your financial “To-Do” list.
Building Your Estate Plan for Now and the Future: Account Titling Essentials and Practical Considerations
If you died, how would your assets transfer to your loved ones? Account titling is a key element of your estate plan. Account titling determines who can manage the specific asset during your lifetime. It also helps determine how your assets are distributed upon your death.
Raise Your Retirement Planning Awareness: 5 Common Missteps
Learning from other investors’ retirement planning missteps can help you identify and adjust elements of your own financial life. Whether you are in your 20s, 30s, 40s, or 50s, this educational overview can help you to be more informed and prepared in your own retirement planning.
Evaluating Qualified Charitable Distribution Basics to Align Your Giving Strategy and Tax Planning
Qualified Charitable Distributions (QCDs) provide a tax planning opportunity to investors who have charitable giving goals. Explore the details and practical considerations of QCDs in this educational overview.
Beyond the Annual Donation: Understanding Bunching and Donor Advised Funds
Explore charitable bunching and donor advised funds. Learn about the potential tax planning opportunities they create and give your money more meaning.
Simple Acts of Preparation: Loss Settlement and Your Home Inventory
Now is a good time to create your home inventory; to review and catalogue your personal property. Explore how the loss settlement provisions of your homeowners insurance policy can play a significant role if you were to experience a disaster.
Evaluate Your Progress: FSA Utilization and Savings Priorities
There’s never been a better time to check how you are making use of your employee benefits. While you’re in review mode, reaffirm that your 2024 savings priorities are on track.
Beneficiary Designations: An Essential Element of Your Estate Plan
If you died, how would your assets transfer to your loved ones? Beneficiary designations are a key element of your estate plan.
Annual Gift Exclusion: 3+ Ways to Thoughtfully Share Your Wealth
Are you looking to significantly support your family and loved ones financially in 2024 and beyond? Consider how the annual gift exclusion and these tax-efficient approaches can align with your wealth and gracious generosity.
Asset Location + Allocation: 2 Practical Approaches to Your Investments
If your goal is to save for retirement, a work-optional lifestyle, or a second career, asset location and asset allocation are two key concepts that can help shape your financial planning.
Roth IRAs Today: Explore Your Key Considerations
If you’re saving for retirement, a Roth IRA can provide investors like you with additional flexibility on your retirement path. Learn about the essentials of the Roth IRA in 2024.
Traditional IRA Fundamentals: Empower Your Retirement Today
If you’re saving for retirement, a Traditional IRA can provide additional flexibility to investors like you. Learn about the essentials of this type of IRA.
Your Practical Guide to 529 Account Superfunding: Key Elements to Understand and Navigate
If you have a significant education funding goal and significant assets to contribute toward your goal, it’s worth learning how you can pair a 529 plan with a 5-year gifting approach.
Elevate Your Understanding: Discover Today’s 529 Account Essentials
Explore the essential details of 529 accounts. A 529 account can help you work toward your education funding goals.
Aligning Your Personal Cash Flow: Create Meaning, 1 Fun Visual, and Ditch the Mental Math
When you review your net worth and personal cash flow, and really know your numbers, you can make better financial decisions. This approach helps you re-focus on your savings priorities.
The Magic of Your Personal Net Worth and Cash Flow: 2 Approaches to Unlocking Your Financial Potential
Keeping track of your finances with a personal net worth report can help bring peace of mind and clarity about some the details of your financial life.
Enhancing Your Financial Future: Roth IRAs, Maximizing Your 401(k), Taxable Investment Accounts, and 3+ Ways to Automate Savings
Welcome back to the fourth article in a series dedicated to illustrating ways to prioritize saving for specific future milestones and the uncertainties of life. Explore Roth IRAs, contributing the maximum allowable amount to your 401(k), Roth 401(k), 403(b)or 457(b) account, taxable investment accounts, and more.
Your Roadmap to a More Secure Financial Future: The Importance of Estate Planning and Education Funding
Welcome back to the third article in a series dedicated to illustrating ways to prioritize saving for future milestones and the uncertainty of life. In this post, we will explore Estate Planning (Wills, Durable Power of Attorney, and Advance Directives) and Education Funding (529s).
Secure Your Future: Health Savings Accounts and Adequate Insurance
Welcome back to the second article in a series dedicated to illustrating ways to prioritize saving for specific future milestones and the uncertainties of life. In this post, we will explore Health Savings Accounts (HSAs) and specific types of insurance you should consider.
Savings Priorities: Emergency Fund, 401(k) Match, and Credit Card Debt
Welcome to the first article in a series dedicated to illustrating ways to prioritize saving for future milestones and the uncertainties of life. In this post, we will explore how to build your Emergency Fund, prioritize your 401(k) contributions to maximize your employer match, and eliminate all high-interest credit card debt.
Haven Wealth Planning announces official launch
Haven Wealth Planning, an independent advisory firm serving the financial planning and investment needs of individuals and families, officially opened to clients today.
