Financial Planning

Do you really need a financial advisor? Learn the key reasons people choose to work with an advisor as their finances become more complex and decisions matter more.

New years are all about resolutions. Save more. Invest better. Pay less in taxes. But strong financial years don’t happen by accident. They’re built through small, smart decisions made consistently. Here are 26 things we review with clients to help them feel more organized, more confident, and more in control in 2026

Many people assume trusts are only for the ultra-wealthy, but that couldn’t be further from the truth. Trusts help everyday families avoid probate, protect assets, and pass wealth on their terms. This guide breaks down what trusts are, how they work, and the differences between revocable and irrevocable trusts so you can decide if one makes sense for your estate plan.

As the year ends, high-income professionals have a valuable opportunity to strengthen their financial plan and reduce taxes. From maxing out your 401(k), HSA, and catch-up contributions to exploring the Super Backdoor Roth, running a tax projection, and using up FSA funds, this checklist covers the most important year-end moves to help W-2 earners finish strong and set up for a more efficient year ahead.

As the year wraps up, retirees have a limited window to make powerful financial moves that can lower taxes and strengthen their retirement plan. From taking RMDs and reviewing Medicare coverage to running tax projections, completing Roth conversions, and using Qualified Charitable Distributions, this article walks through the key steps to finish the year strong and set up a more tax-efficient 2026.

Retiring together can be exciting and a little overwhelming. Beyond how much you’ve saved, couples need to plan for how income will change, how taxes will affect each spouse, and whether both partners share the same vision for retirement. This article walks through three essential questions every couple should ask before leaving work behind to help align goals, manage taxes, and retire with confidence.

If you’ve changed jobs or recently retired, that old 401(k) could be holding more opportunities and risks than you realize. For high-income earners, knowing what to do with an old plan isn’t just about consolidation. It’s about taxes, flexibility, and strategy. This article breaks down your options, the hidden pitfalls of rollovers, and how to make smart moves that preserve your ability to use Roth strategies and avoid unnecessary taxes.

Retiring before 59½? Learn how to access your retirement savings without paying the 10% IRS penalty. This guide explains key strategies like the Rule of 55 for 401(k)s, Rule 72(t) SEPP withdrawals, and using Roth IRA contributions for flexibility. Discover how to bridge the gap to 59½, manage taxes, and create a smart withdrawal plan so you can retire early, avoid penalties, and enjoy the freedom you’ve worked hard for.

Concerns about bear markets have resurfaced recently, both in the headlines and in conversations I’m having with clients. Here’s a breakdown of some common questions and what you should know to navigate market uncertainty confidently.

Uncertainty is part of investing. Here are some strategies to help navigate a potential "Lost Decade"

Market volatility can be unsettling, but it presents unique financial planning opportunities for high-income earners and retirees.