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In today’s world, one of the best gifts you may give your child is financial security. While education and values play key roles in shaping their future, contributing to a custodial Individual Retirement Account (IRA) for your child’s benefit may serve as a powerful tool to help instill the importance of saving and planning, inspire […]

The SECURE Act 2.0, signed into law on December 2022 as an update to the original SECURE Act of 2019, introduces several important changes to retirement and savings laws in the United States. One of its notable provisions is designed to provide more flexibility for college savings accounts, particularly 529 Plans. Specifically, this second iteration […]

Estate planning is more than just a financial task – it’s an essential strategy for ensuring that your wishes are honored and your loved ones are provided for after you’re gone. Despite its importance, many people put off estate planning, often due to misconceptions or procrastination. However, having a solid estate plan in place may […]

A Note Regarding Recent Market Volatility August 5th, 2024 As many of you are aware, equity market volatility increased substantially over the last three trading sessions with the S&P 500 down (6.07%) in August. During times of market stress, putting short-term volatility in the context of longer-term results may be important and drive better decision making. Let’s […]

The IRS will waive penalties for RMDs missed in 2024 from IRAs inherited in 2023. This is the fourth year-in-a-row that the IRS has offered this waiver. This reprieve not only continues to impact the landscape of financial planning but provides a potential advantage for discerning beneficiaries seeking to manage their inherited assets more effectively. […]

Investing in private markets (aka “alternatives”), once the exclusive terrain navigated by institutional investors and ultra-high-net-worth individuals, has seen a notable shift in recent years.  Today’s financial topography reveals that the allure of private markets – asset classes like private equity, private credit, private real estate, and private infrastructure – is stronger than ever.  The […]

Specific – Measurable – Attainable – Relevant – Timely Your goals are the foundation of your financial plan because you need to know what you want to accomplish before you can begin saving or investing.  Once you’ve identified and prioritized your financial goals, you can develop a clear-cut savings or investment strategy that can help […]

The Tax Cuts and Jobs Act (TCJA) of 2017 represented one of the most significant overhauls to the US tax code in recent decades, introducing a range of temporary changes intended to stimulate economic growth. Now, as we approach the 2025 expiration date of many TCJA provisions, investors, families, individuals, and business owners are bracing […]

Investing is not just about the returns you see on the screen. How much of those returns you get to keep after taxes is also of tremendous importance. Of course, determining the optimal asset allocation for one’s unique goals and objectives is paramount, but here we highlight the keys to achieving tax-efficiency in portfolio management. […]