SECURE Act 2.0 offers a creative solution for funding Roth IRAs for the youngest members of our families by leveraging excess 529 plan savings.

One of our founding goals in 1998 was to find really talented teammates and create a culture that would engage and inspire them.

The second quarter of 2023 is off to an interesting start. For the most part, investment markets performed well in April and first quarter earnings season is shaping up better than expected.

Lifetime gifts remove the asset, and any future asset appreciation, from the donor’s taxable estate.

Recent Perspectives articles have called attention to the newly passed SECURE 2.0 Act of 2022, which initiated several retirement plan changes and enhancements.

While the strategy of aggressively raising rates can affect various aspects of consumers’ lives, it also creates an opportunity to reevaluate and refresh the traditional financial planning guidance that has been in place for the past decade.

During our meetings with grandparents, a common topic is leaving assets to their grandchildren. While direct gifting, paying for tuition or medical bills, or funding 529 educational savings accounts are all effective techniques, this article focuses on another popular technique: establishing trusts for grandchildren. We will explore the different types of trusts, incentivizing them, and […]

There are a lot of headlines out there questioning the safety and liquidity of our banking system after the recent failures of Silicon Valley Bank and Signature Bank.

Executive compensation is the combination of salary, benefits and bonuses offered to executives and other top management in exchange for their efforts on behalf of an employer.

In 2022, there were nearly 7.8 million reports of suspicious activities related to taxpayer returns according to the Identity Theft Tax Refund Fraud Information Sharing Mission & Analysis Center, a partnership between the IRS, companies and states. Most of these suspicious activities related to online tax fraud.

Is “rothification” even a word? Probably not, but to me it seems a fitting term to describe several of the changes in store for retirement plans as a result of new legislation signed by Congress at the end of 2022.

Retirement is an ongoing process of emotional adjustments.

With the capital markets closed in observance of Presidents’ Day, we created a day for our teammates to give back to the communities in which we live, work, and play. We call this day our Day of Caring.

Our national debt has garnered a lot of attention this year, both for its absolute size and for the possibility that our elected friends in Washington might fail to raise its ceiling.

Most estate plans skip the idea of using incentive distribution provisions to induce behavioral changes in the estate beneficiaries. A common estate distribution regime uses milestone ages, e.g., 25% at age 25, 50% at age 30, and the balance to be distributed at age 35.

Behavioral biases are beliefs or behaviors that can unconsciously influence our financial decision-making. One example is loss aversion, where the pain of losing (money) is more powerful than the pleasure of gaining.

On December 29, 2022, President Biden signed the Consolidated Appropriations Act, 2023. The legislation contains significant retirement provisions in what is called the SECURE 2.0 Act of 2022 (“the Act”).

Cross-testing is a calculation method used for allocating employer discretionary profit-sharing contributions. This is often used alongside 401(k) and safe harbor contributions to maximize annual contribution limits (usually targeted to owners or highly compensated employees) at the lowest overall cost to the company.