The principles of efficiency, consistency, and composure bind swimming and financial success together. In both, it’s not about how hard you work, but how smartly you move forward.
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On July 4th, 2025 the “big, beautiful bill” was signed into law. There are many changes/updates included in the new law from taxation and spending to national defense. While there are many opinions regarding the costs and benefits of the new law, we wanted to take time to outline the provisions that directly relate to our clients and their taxes.
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Required Minimum Distributions (RMDs) have been around for many years. Over the past few years, updates have been made via Secure Act 1.0 and Secure Act 2.0 so we wanted to provide a reminder and update on how the current rule works.
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Did you know that your monthly Medicare cost adjusts based on your income? While most retirees may know this, many pre-retirees do not. It is important for those who are not receiving Medicare benefits yet to understand the rules so that financial planning decisions can be made ahead of time to reduce or avoid the impact of this additional expense.
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Over the years working with worried clients it has become obvious that going through the financial planning process and reviewing existing plans in the context of a changing financial environment helps alleviate worries.
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Just like you can train your body to be stronger, you can train your mind to focus in a way that promotes clarity and good habits. This skill isn’t just helpful for managing daily stress—it can also be a game-changer when it comes to financial and investment decisions.
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Over the past 3 years, the word “inflation” has dominated the headlines. In the current environment, there seems to be some confusion among investors and consumers regarding this term and what is happening. Therefore, we thought it would be a good idea to go over some of the key “flation” terms and clarify what each means and where we are today.
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For most, achieving financial success isn’t about picking the right stock, saving to the right account, or even finding the perfect advisory firm. Financial success is most often achieved through discipline, intention, and consistency.
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Target Date funds have grown in popularity over the last decade especially inside employer benefit plans such as 401Ks. On the surface, they all seem to be exactly the same. First, you pick your fund based on your anticipated retirement date. Then you let the manager handle the rest – they utilize their glide path and make the portfolio more conservative as you approach retirement. While true, behind the scenes there are subtle differences that investors should be aware.
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As the year winds down, it is always a good idea to review your tax situation to determine if there are ways to reduce your tax liability or take advantage of financial planning opportunities that may exist. Here are several items that may warrant consideration prior to the end of the year.
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