Why a Comprehensive Wealth Plan Is Your Most Important Financial 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 […]
ACA Premium Relief in 2026: What Happened to Enhanced Subsidies and What’s Next
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 […]
OBBBA in 2026: What the New Law Means for High-Net-Worth and Ultra-Wealthy Taxpayers
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 […]
Should You Open a Trump Account for Your Child? A Balanced Guide for Parents
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 a DNA Test Reveal an Unknown Heir and Disrupt 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 […]
Strategic Charitable Giving Before 2026: Maximize Your Deductions Under OBBBA
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 […]
Holiday Estate Planning Conversations: How to Share Your Plan With Family
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 […]
Year-End Tax Priorities Before OBBBA Changes Take Effect in 2026
As 2025 draws to a close, this year’s tax review carries added urgency. The One Big Beautiful Bill Act (OBBBA), signed into law in July, made several individual tax rate cuts permanent – averting a reversal of the 2017 Tax Cuts and Jobs Act (TCJA). However, beginning January 1, 2026, a series of new provisions […]
Building Financial Resilience During Layoffs: A Wealth Planning Guide for High Earners
The recent wave of corporate restructuring and white-collar layoffs – particularly in technology and other high-paying sectors – has reignited an important conversation: how to build true financial resilience. Wealth management often focuses on growth and long-term objectives, but periods of economic transition remind us that preserving flexibility and mitigating risk are equally critical components […]
Gambling Income and Taxes: What the NBA Betting Scandal Teaches Every Taxpayer
The recent NBA gambling scandal, which led to more than 30 arrests, has drawn widespread attention to the broader world of sports betting. The fraud involved players and coaches selling sensitive injury and lineup information for cash or a share of betting proceeds. In some cases, players allegedly influenced game outcomes – such as Miami Heat […]
Medicare Open Enrollment 2026: Rising Premiums, Reduced Benefits, and What to Do
Medicare Open Enrollment: Rising Costs and New Restrictions Medicare open enrollment for 2026 runs through December 7, and several important changes are on the horizon. Many participants will likely face higher premiums, reduced benefits, and more restrictive provider networks. The baseline Part B premium is expected to rise from $185 to $206 a month, representing […]
Annuities in 401(k) Plans: DOL Update and What Employees Should Consider
Annuities as a Default Option for 401(k)s? U.S. Department of Labor Says Yes, But Be Wary Recent updates to retirement plan rules are designed to make it easier for employers to include lifetime income options—most commonly annuities—inside 401(k) plans. The purpose is straightforward: to help you turn a portion of your savings into a dependable […]