Why a Wealth Plan is the Ultimate Investment
In personal finance, conversations often center on strategies like Roth conversions or generation-skipping trusts. These tools can be useful in the right situations but using them without a broader framework is risky. The real risk isn’t missing a sophisticated strategy – it’s making decisions without a clear plan. That’s why we recommend starting with a wealth plan. A wealth plan provides structure and […]
Will ACA Plan Enrollees See Premium Relief Soon?
For households enrolled in the Affordable Care Act (ACA) marketplace, the new year arrived with a sharp increase in monthly health insurance premiums. Why? Enhanced ACA subsidies expired on December 31, 2025. While the One Big Beautiful Bill Act (OBBBA), signed last summer, introduced sweeping changes to the healthcare landscape, it did not explicitly cancel […]
I’m a Wealth Planner: Forget 2026 Market Forecasts and Focus on These 3 Goals for Financial Success
As published on Kiplinger We know the economy is unpredictable, geopolitical events can happen without warning, and markets will do what they do, no matter who predicts what. Here’s how to focus on what you can control. Every January, the financial news landscape is flooded with two things: Articles about canceling unused gym memberships and […]
OBBBA in 2026: What Matters and What Doesn’t
With the One Big Beautiful Bill Act (OBBBA) of 2025 now fully in effect, the tax and planning framework for 2026 and beyond is clearer. For the ultra wealthy, it’s a boon. For the high wealth taxpayers, the outcome is more mixed. The widely feared expiration of the Tax Cuts and Jobs Act did not occur: lower income tax rates and elevated […]
New Year’s Resolutions These Financial Advisors Want You to Make
Mallon FitzPatrick, Head of Wealth Planning at Robertson Stephens, was featured in Barron’s, sharing why today’s shifting job market demands larger cash buffers and greater spending discipline. As career transitions lengthen, he recommends planning for up to 18 months of liquidity and guarding against lifestyle creep—one of the most persistent threats to long-term wealth, regardless […]
Should I Open a Trump Account for My Child?
Between the headlines about the One Big Beautiful Bill Act and Michael Dell’s $6.25 billion donation, many have been asking whether these new accounts should be opened for children or grandchildren. Below is a straightforward look at how the accounts work and where they may fit into a broader wealth transfer plan. A Trump Account is a […]
Could an Unknown Relative Ruin Your Estate Plan?
DNA services such as 23andMe have made it far more common for biological children – sometimes entirely unknown to the family – to surface after a parent’s death and assert inheritance rights. While this remains an unlikely scenario, it is more plausible today than ever before. Many state laws rely heavily on biological relationships, especially […]
Charitable Giving This Season
As we enter the final weeks of the year, it is an important moment to revisit charitable giving strategies, especially given the meaningful tax changes taking effect in 2026 under OBBBA. For those who donate regularly, front-loading charitable gifts this month may help maximize deductions before the new limitations begin. In 2026, OBBBA will introduce […]
I’m a Financial Planner: If You’re a High Earner, You Need an 18-Month Safety Net
As published on Kiplinger No job seems to be safe in this age of artificial intelligence, even white-collar ones. If you make a larger-than-usual salary, then you need to have a larger-than-usual emergency fund. Here’s why. Layoff notices used to be reserved for cyclical downturns, but recent years have proven that no salary level is […]
Unwrapping Your Estate Plan for Your Kids: A Gift That’ll Keep Giving Long After the Holidays
As published on Rethinking65 The holidays offer families a perfect opportunity to discuss important, often difficult topics like long-term care, estate plans and legacy. You don’t have to resolve everything all at once, but getting started can provide peace of mind far beyond the season. November 26, 2025 – The holidays give many families a […]
The Greatest Holiday Gift is a Well-Communicated Plan
It’s that time of year again! The holidays give many families a chance to gather in one place, creating an opportunity to have conversations about the future. Even a small step now – sharing your thoughts on aging, care, or estate plans – could help prevent confusion, conflict, or stress down the road for your […]
The Ultimate Luxury in an Uncertain Job Market
As published on Rethinking65 For affluent clients, the traditional three to six months of emergency funds is quaint, bordering on negligence. November 13, 2025 -The “Jobpocalypse” is no longer confined to cyclical economic downturns or blue-collar automation. The recent, relentless waves of white-collar layoffs — particularly in the once-impenetrable fortresses of big tech, finance, and […]