Long-term care is one of the most significant — and most underestimated — risks facing retirees, affecting not only finances but also spouses and family caregivers. In this first installment, we explore what long-term care truly is, the likelihood of needing it, and why planning for it is ultimately about protecting both partners and the health of the entire family.
Beginning with the 2026 tax filing season, the IRS will phase out paper refund checks as part of a Treasury-wide move toward fully electronic federal payments. This change is designed to improve security, reduce delays, and speed up refunds—making it especially important for taxpayers to have electronic payment information ready when filing.
Part 6 of the OBBBA Deep Dive explores the law’s lesser-known provisions — including new deductions for seniors, overtime, and tips — and why these “smaller” changes can have an outsized impact on real-world tax planning.
Part 5 explores Trump Accounts, a new children’s savings vehicle created under OBBBA, explaining how they work, where they fit in the planning landscape, and why their long-term structure and restrictions make thoughtful coordination essential.
Geopolitical events can create short-term market uncertainty, but history shows their long-term impact on diversified portfolios is often limited. By understanding how these events typically influence markets—especially through energy prices—investors can stay focused on fundamentals and avoid reacting to headlines.
Estate planning is more than having documents in place—it’s about ensuring every detail works together to reflect what matters most. When account titling, beneficiary designations, and key authorizations are aligned with your intentions, your plan creates clarity, dignity, and peace of mind for the people you love.
