Category: Financial Planning
-
Retirement isn’t the end of the financial journey—it’s a critical transition that requires just as much strategy as the years spent saving. For those on the brink of retirement, how you withdraw your savings can make or break your financial independence. It’s not enough to have a large nest egg. You need a plan to…
-
Congress may debate the future of the estate tax, but families with real wealth don’t wait to see how the vote goes. An ILIT (Irrevocable Life Insurance Trust) estate planning strategy remains one of the most reliable ways to protect your legacy—regardless of shifting laws. Today’s proposals to repeal estate taxes sound promising, but history…
-
When tax season rolls around, couples face a decision that can have a big impact on their finances: should they file jointly or separately? Most married couples default to filing jointly—and with good reason. But there are cases where “Married Filing Separately” (MFS) isn’t just a technical option, it’s a smart financial safeguard. The challenge…
-
Options are a type of financial instrument known as derivatives. This means their value is based on (or “derived” from) something else—usually a stock or index. Think of options like a coupon that lets you buy or sell something at a set price before a certain date. Just like a coupon at the store, the…
-
If you’re a high-income W-2 earner—earning $300K, $500K, or more—you’ve probably thought about how to keep more of what you earn and do something meaningful with it. Taxes can feel like a black hole, especially when your income spikes due to bonuses, equity vesting, or stock sales. If you’re looking to reduce that tax hit…