Fresh observations on financial planning and investment management.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Thoughtfully combine your charitable goals with multi-year tax planning. Read on to learn how you can evaluate charitable donation bunching.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 can provide your family with financial support if you pass away.
Explore key factors, terms, and practical considerations in this educational overview.
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.
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.
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.
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.
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.
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.
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.
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.
Explore charitable bunching and donor advised funds. Learn about the potential tax planning opportunities they create and give your money more meaning.
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.
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.
If you died, how would your assets transfer to your loved ones? Beneficiary designations are a key element of your estate plan.
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.
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.
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.
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.
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.
Explore the essential details of 529 accounts. A 529 account can help you work toward your education funding goals.
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.
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.
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.
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).
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.
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.
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