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The two go hand in hand when preparing your heirs. Timing discussions around money while clearly communicating your financial values with heirs can be tricky. You may already be asking yourself: How will I help them understand this is more about passing on a legacy than money? What financial knowledge and decision-making skills do my heirs currently have? Will my family understand the importance of charitable giving as much as I do? We’ve compiled some insights below to help

Why Tax Timing, Retirement Income, and a New Catch-up Rule Matter For years, the traditional-versus-Roth 401(k) decision has been framed as a simple tradeoff: pay taxes now or pay them later. For many investors in their peak earning years, that’s made the traditional (pre-tax) option feel like the obvious call. Take the deduction now. Save while your income is high. But 401(k)s have a way of making simple choices less simple over time. A large pre-tax balance can create mor

When one partner retires while the other continues working, routines shift, roles evolve and free time takes on new significance. One person may have a flexible schedule while the other still has work demands, deadlines and meetings. This can affect how time is spent, days are structured, household responsibilities are handled and even how spending decisions feel. This in-between phase, often called the gap years, refers to the period when one spouse is retired and the other

A Poem By Chris Doughty As the weather darkens, they stick around and face the coming storms and cold, they prepare by shedding their coats to bravely face the coming Winter, foreshadowed by the nippy nights, and the smell of autumn. They will remain, as tried and true, to see us through another winter. Their job is done for the season they have gone through the storms, shed a limb, Been a home for a growing family. They have gone through birth and regeneration They have a

Rapid advances in artificial intelligence, persistent geopolitical tensions – particularly the conflict in Iran – and ongoing trade uncertainty have kept headlines loud and emotions elevated, ultimately demanding investors remain adaptive and disciplined. In this kind of environment, the biggest mistakes come from reacting to noise rather than fundamentals. Instead, investors who stay focused on long‑term objectives and respond thoughtfully instead of emotionally are best pos

As we reach the halfway point of 2026, I find myself reflecting on two things: gratitude and perspective. First, thank you. Thank you for the confidence you place in our team, for allowing us to walk alongside your family, and for trusting us with something far more important than investments—your hopes, your retirement, your legacy, and the people you love most. The first six months of this year have certainly given us no shortage of headlines. Markets have swung sharply. I

Remember when your day wasn’t complete without a little playtime? Simple childhood pleasures – like teaming up for a game of kickball, constructing forts out of bedsheets or even making up silly songs – eventually get crowded out by the responsibilities and constant demands of adulthood. But the science is clear: Playtime and other “childish” behaviors that we tend to outgrow in adulthood help us feel grounded, connected and alive. Rediscovering them later in life can help m

For those of us who have spent our lives helping families navigate markets, inflation, and retirement, the passing of Alan Greenspan marks the end of an extraordinary era. Greenspan served as Chairman of the Federal Reserve from 1987 to 2006, under four different U.S. presidents, making him one of the most influential economic policymakers in American history. While history will continue to debate some of his decisions, there is little debate that he helped shape one of the m

This year, America celebrates an extraordinary milestone—our nation's 250th birthday. It is a moment to celebrate, but perhaps even more importantly, a moment to reflect. None of us founded this country. We inherited it. An inheritance built by men and women who sacrificed comfort for conviction, security for freedom, and certainty for hope. They believed that generations they would never meet deserved the opportunity to live lives of liberty, opportunity, and purpose. One of

AI is reshaping careers, education paths, and even how we define “school.” It’s only natural to wonder: “does saving for college still make sense???” The answer isn’t to abandon planning, it’s to broaden how we think about it. Education isn’t disappearing, it’s diversifying, and college is no longer the only path. Learning still carries a cost which is why 529 plans have quietly evolved. They can now be used for trade schools, certifications, specialized training, apprentices

THE FACTS: They are swift and visceral. They come without warning. Their length of stay is unknown. They are not pleasant when they are around. They leave scars on those who react poorly. They are temporary and necessary. They are vital to the long-term return. They are essential to the health of a long-term bull market. Corrections come upon us from time to time and are vital to the long-term health of the market. No one knows when corrections will come or go, but it’s impo

And here's how - As the Great Depression deepened and political tensions rose at home and overseas, leaders in the US devised an event intended to stoke the national pride and raise morale. They decided on a universal exhibition – a World’s Fair – this one in Chicago, on the 100th anniversary of the city’s founding. “Science Finds, Industry Applies, Man Conforms" was the exhibition’s motto, an affirmation that mankind’s greatness lies downstream from its yearning for discove