Insights

The investment industry knows that opportunities marketed as providing favorable tax benefits elicit a strong response from investors. The prospect of reducing or even eliminating taxes can be so attractive that some investors will commit to an investment strategy without fully understanding it – what may be touted as “tax advantaged” can be interpreted as […]

Traditional asset allocation models typically reduce risk as an investor ages. This approach is designed to provide lifetime income and reduce volatility. But what about the investor who can more than comfortably cover their lifetime spending needs? Does this approach still make sense? With reasonable assumptions, high net worth individuals and families – defined in […]

With the market-driven growth in assets among high net worth families, we are noticing a developing trend of older generations providing financial support to their adult children or grandchildren. This expansion of support can range from helping out with day-to-day spending to funding major expenditures such as a home purchase. In our view, this trend […]

Business owners embrace and endure a long, laborious journey for the opportunity to forge their own path, pursue their passions, and hopefully gain financial freedom. Beyond a sense of personal accomplishment, the greatest reward often comes in the form of a successful sale transaction, potentially the most important financial event of a lifetime. The liquidity […]

A current topic of conversation with clients recently has been considering accelerating (or “bunching”) charitable contributions into 2025 due to recent changes in the tax code resulting from the One, Big, Beautiful Bill (OBBB). In some instances, those conversations have also included considering the use of a donor advised fund. In summary, there are minor […]