The holidays bring joy and celebration — but also a significant rise in scams targeting shoppers and busy households. This overview highlights the most common seasonal frauds and simple steps you can take to protect your finances and personal information.
Part 2 of the OBBBA series explores how the new state and local tax (SALT) deduction rules—raising the cap from $10,000 to $40,000 for many households—create both opportunities and new complexities. With phaseouts beginning at $500,000 of income and potential year-end strategies to consider, now is the time to review how these changes may affect your 2025 tax plan.
Tax-loss and tax-gain harvesting are two strategies that can help investors make the most of market swings by intentionally realizing losses or gains at the right time to manage taxes more efficiently. When used thoughtfully, these approaches can reduce lifetime tax costs and keep portfolios aligned with long-term goals.
Beginning in 2026, high earners earning over $145,000 will be required to make their 401(k) catch-up contributions as Roth (after-tax) contributions rather than traditional pre-tax ones. While this change eliminates an upfront tax break, it also creates an opportunity for greater tax diversification and tax-free income in retirement.
Receiving a financial windfall — whether from a bonus, inheritance, or business event — can bring both excitement and uncertainty. This article outlines how to pause, plan, and prioritize your next steps so your newfound resources align with your long-term goals, family values, and financial well-being.
Incapacity planning ensures that your financial decisions continue to reflect your values even if your ability to manage money changes. By preparing early, we can protect your goals, safeguard your legacy, and support the people you trust most.
