Wealth Planning Commentary – March 31, 2025
Rising Costs, Roth IRAs, and Social Security Expectations With inflationary pressures and economic uncertainty this year, building a buffer for rising costs may be wise. To prepare for a potential price surge, we recommend increasing projected living expenses this year and next. For those feeling the strain of higher costs, now is a good time […]
Are You a High Earner But Still Broke? Five Fixes for That
March 24, 2025 If you’re a HENRY (a higher earner, not rich yet) but feel like you still live paycheck to paycheck, there are steps you can take to get control of your financial future. As published in Kiplinger HENRYs, or high earners, not rich yet, are professionals who earn significant income but struggle to […]
Preparing for an Inheritance: Don’t Let Your Blessing Become a Curse
March 5, 2025 A few practical steps, such as establishing your financial independence and asking questions, can help you avoid inheritance pitfalls. As published in Kiplinger By Mallon FitzPatrick Many people look forward to an inheritance — it can provide financial security, opportunities for education and the ability to pursue passions. But there’s a lesser-known, […]
2025 and Beyond: Investment and Wealth Planning Outlook Webinar
Jan 24, 2025 – Chief Investment Officer Stuart Katz and Head of Wealth Planning Mallon FitzPatrick have a conversation moderated by Chief Economist Jeanette Garretty as they offer their perspective on markets and wealth planning. Disclosures Investment advisory services offered through Robertson Stephens Wealth Management, LLC (“Robertson Stephens”), an SEC-registered investment advisor. Registration does not […]
Dynasty 529 Plans Can Build Generational Wealth
November 12, 2024 Leveraging these college-savings plans for tax-free growth combats rising education costs but families must keep up with IRS developments. As published in Rethinking65 By Mallon FitzPatrick A 529 plan is arguably one of the most powerful vehicles for funding higher education in the United States. These plans come in two varieties: prepaid […]
3 Questions with Robertson Stephens featuring Head of Wealth Planning, Mallon FitzPatrick
May 9, 2024 – Chief Marketing Officer Louis Calabrese hosts Mallon FitzPatrick to talk about wealth transfer planning and strategies on how to approach it. Disclosures Investment advisory services offered through Robertson Stephens Wealth Management, LLC (“Robertson Stephens”), an SEC-registered investment advisor. Registration does not imply any specific level of skill or training and does […]
Planning a Thoughtful Wealth Transfer
May 6, 2024 There are many ways to harness the step-up in basis while ensuring financial security — and avoiding many pitfalls. As published in Rethinking65 By Mallon FitzPatrick Wealth transfer starts with a comprehensive wealth plan to analyze the whole financial picture, including the balance sheet and cash flow. One goal of the transfer […]
3 Questions with Robertson Stephens featuring Head of Wealth Planning, Mallon FitzPatrick
February 20, 2024 – Chief Marketing Officer Louis Calabrese hosts Mallon FitzPatrick to talk about what you need to do to prepare for the expiration of the Tax Cuts and Jobs Act, gifting concerns and solutions, and why we should look at Roth conversions now. Disclosures Investment advisory services offered through Robertson Stephens Wealth Management, […]
Wealth-Planning Moves for 2024
As published in Rethinking65 Tax Cut and Jobs Act (TCJA) provisions are set to expire in less than two years. Making changes to position clients may take a lot of time. By Mallon FitzPatrick and Alicia Denton January 26, 2024 – Last year brought higher yields, changes to retirement and 529-plans, high inflation, and hopefully […]
What Better Bond Yields Mean for the 4% Retirement Withdrawal Rule
December 13, 2023 – Principal and Managing Director, Mallon FitzPatrick, CFP®, CLU® was featured in Barron’s to discuss ‘What Better Bond Yields Mean for the 4% Retirement Withdrawal Rule.’ “The 4% rule answers a specific question, which is how much can I take from an account or set of accounts without depleting them over a […]
Retirement Plans for Highly Compensated Individuals
By Victoria Jung, CFP® December 1, 2023 – Retiring comfortably requires careful planning and preparation. Making the most of your post-work years is an exercise in flexibility and deliberation that begins long before you start to settle down and unwind; for many, the process continues well into retirement itself. Fortunately for high-income earners, there is […]
How Advisors Can Help Clients Solve The Roth 401(k) Puzzle
November 2, 2023 – Principal and Managing Director, Mallon FitzPatrick was featured in Financial Advisor Magazine discussing ‘How Advisors Can Help Clients Solve The Roth 401 (k) Puzzle.’ “The mega backdoor Roth can be a prudent strategy” FitzPatrick said. “Wait a month [after the initial contribution] and then move the funds.” Read the full piece here.