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As your advisor, we want to provide perspective on what the “One Big Beautiful Bill” means for you and your financial planning. As you have likely seen, President Trump signed the major new tax and spending bill into law after Congress approved it. This is a comprehensive tax and spending bill, with over 900 pages,…
As we move into the final stretch of the year, markets are climbing in the face of mixed signals from the economy and politics. Economic data remain uneven—growth is holding up, but the labor market has softened. Trade and tariff policy remain unpredictable, immigration flows have slowed, and the effects of tighter monetary policy in…
What Is a Donor-Advised Fund? A Donor-Advised Fund is a charitable giving account that allows you to contribute assets today, receive an immediate tax deduction, and recommend grants to qualified charities over time. You can think of it as a personal foundation without the administrative burden. Key Features and Benefits • Immediate Tax Deduction in Year…
Most people think they have to leave their job before they can move money out of their 401(k) but that’s not always the case. If you’re over age 59½ and still working, many retirement plans allow what’s called an in-service rollover. This little-known strategy lets you roll over some or all of your 401(k) funds…
As we move into the second half of 2025, markets are contending with a mix of geopolitical tensions, shifting trade dynamics, and slower U.S. economic growth. Tariffs and trade negotiations with countries like China, India, and the U.K. continue to dominate headlines, and the resulting uncertainty has added a layer of volatility to global markets.…
Understanding Qualified Higher Education Expenses for Your 529 Plan We wanted to address some common questions regarding what qualifies as “Qualified Higher Education Expenses” for distributions from a 529 Plan. Understanding these guidelines is crucial to ensuring that you maximize the benefits of your 529 Plan. Allowable Expenses The following expenses are generally eligible…
Market Update: Q1 2025 With Q1 2025 now behind us, markets have navigated a shifting terrain of opportunities and uncertainties, driven by a new Trump administration’s push for tariffs, tax cuts, and deregulation. We are witnessing a significant global economic transition, marked by a new U.S. administration under President Trump, which has launched initiatives including…
Market Rundown 2024 As we close out 2024, markets reflect a year of profound global and economic shifts. The inauguration of a new U.S. president has introduced policy shifts to address persistent economic challenges, such as inflation control, infrastructure investment, and energy transition. These efforts are expected to shape domestic markets and influence global trade…
Market Rundown Q3 2024 As we approach the final stretch of 2024, the crispness of fall sets in, leaves drift to the ground, and daylight fades a little earlier each day—definitely a shift in mood. While the cool air marks the season’s change, one reassuring constant remains: the markets continue to show resilience and growth.…
In today’s world, it’s important to plan your finances wisely. Creative charitable giving strategies, such as Qualified Charitable Distributions (QCDs) are a way to increase your charitable impact while reducing potential taxes. What’s a Qualified Charitable Distribution (QCD)? It’s a direct transfer from your IRA to a qualified charity that counts towards the money you’re…