Health Care: The Hidden Retirement Cost You Can’t Afford to Ignore
When you picture your retirement years, you likely imagine relaxed mornings, travel, time with family, and financial security. But behind every retirement dream is a major expense many people underestimate: health care. Rising medical costs can quietly undermine even the
6 Money Lessons for Raising Financially Responsible Children
For some parents, few responsibilities feel as important as teaching kids about money. In a world of instant gratification and often hidden financial mechanisms, it can become even more essential to help them develop a healthy, grounded relationship with their
Using QCDs to Unlock the New Senior Tax Deduction
The deduction, available for tax years 2025-2028, offers up to $12,000 if married filing jointly and $6,000 for all other filers. Unfortunately, the deduction has a low phaseout range of $150,000-$250,000 if married filing jointly and $75,000-$175,000 for all others. For
Should You Prioritize Charitable Giving in 2025 or Wait Until 2026?
Time is running out to make charitable contributions for 2025. With year-end approaching, now is the time to think about whether it makes sense to contribute in 2025 or wait until 2026. The new One Big Beautiful Bill Act (OBBA)
Save More on Taxes: Planning Strategies to Review Before Year-End
Contrary to popular belief, taxes aren’t just a chore for the early spring. Rather, tax planning and preparation is a four-season affair. In fact, some of the most impactful tax planning should be implemented ahead of the year-end deadline. For most
Quarterly Outlook: Job Growth Slows in the Face of Strong Growth
The U.S. job market has cooled notably, with job gains slowing and consumer sentiment weakening, prompting the Federal Reserve to cut interest rates. Still, economic growth and consumer spending remain resilient, supporting a 3.8% annualized expansion in Q3 and keeping
Quarterly Investment Commentary: October 2025
Market efficiency tells us that prices, at any given time, reflect the collective judgment of millions of investors. It is a comforting idea, but it also means that when the largest companies dominate market returns, those valuations embody a great
How to Give to Charity Under the New OBBBA Rules
The season of giving is almost here, and now is the perfect time to revisit your charitable plans with your financial advisor. Thoughtful planning can help you maximize both the impact of your gifts and the tax benefits you receive. Looking
What’s the Difference Between Estate and Gift Taxes?
Financial advisors regularly see this question come up from individuals and couples who are focused on multigenerational planning: What’s the difference between estate and gift taxes, and how do I make sure Uncle Sam doesn’t take more than his fair share? Avoiding
