Blog
What’s on our mind? You can read about it in our blog. Whether it’s ideas from the investment world or concepts from the financial industry, you can read about it here. Some posts are geared specifically for business owners, so even if you don't own a business, you're welcome to share them wiith the business owners in your life. Keep checking in. We’re glad to have you reading along.
Continuing Care Retirement Communities: What They Cost, How They Work, and When to Start Preparing
Why Is This Conversation So Important Right Now? The U.S. is in the middle of a sustained demographic shift. More than 61 million adults are aged 65 and older as of 2025, and that number is projected to reach approximately 82 million...
Read MoreWhen Should I Start Taking Social Security: 5 Factors to Consider
Social Security decisions are often framed as a single question: “When should I start drawing benefits?” That question matters, but it can also be limiting. The better question is: how does Social Security fit into my overall...
Read MoreTeaching Teens and Young Adults Financial Literacy Through Real-Life Decision Making
If you are a parent of a teen or young adult, how do you teach them to make confident money decisions before the stakes are high? Teaching teens and young adults about money is less about formal instruction and more about repeated...
Read MoreHelping Adult Children Buy a Home: How to Gift a Down Payment The Smart Way
Key TakeawaysHere are some questions this blog aims to answer:How can parents or grandparents help with a down payment for adult children?What are ways to gift a down payment, and how do the annual gift tax exclusion and lifetime...
Read MoreThree Numbers Every Woman Should Know
Key TakeawaysHow much wealth are women on track to control in the next decade, and why does that matter?What does the life expectancy gap between women and men mean for how long money needs to last?How common is it for women to be...
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Tax Prep vs. Tax Strategy: The Difference Matters More Than You Think
Key TakeawaysTreat tax strategy as a continuous process, not a once-a-year filing exercise.Coordinate with financial and tax professionals throughout the year to identify opportunities for efficiency.Review contribution limits,...
Read MoreUnderstanding the Emotions Behind Financial Decisions
Key TakeawaysEmotions and biases might influence financial choices more often than most people realize.Behavioral patterns, such as loss aversion, familiarity bias, and herd mentality, can impact long-term results.Recognizing emotional...
Read MoreInflation, Costs, and Fear of Rising Prices
External events, like supply shortages and inflation, make running a successful business even more challenging. In today’s inflation market, business owners can be forced to make decisions they’re uncomfortable with, especially in...
Read MoreGood Intentions, Empty Promises
As a business owner, your employees put added stock into the things you say, how you say them, and when you say them. This is why it’s extremely important to avoid making empty promises based on good intentions. Let’s look at some ways...
Read MoreMeet Bonnie Moseley, Senior Wealth Advisor
In case you haven't met her yet, we are thrilled to introduce the newest member of our team, Bonnie Moseley!Bonnie is an Investment Advisor and CERTIFIED FINANCIAL PLANNER® professional with over 30 years of experience guiding...
Read MoreDealing With Complex Co-Ownership Setups
Co-owned businesses come with numerous complexities. One of the biggest challenges for co-owners is determining how to approach the exit of another co-owner, especially when that co-owner cannot or will not exit gracefully. Let’s look...
Read MoreGoal Setting That Sticks: Simple Ways to Turn January Motivation into Lasting Wins
Key Takeaways and Suggestions for Successful Goal Setting Use SMART Goals for Clarity and FocusSet goals that are Specific, Measurable, Achievable, Relevant, and Time-bound. This proven method helps break big ambitions into manageable...
Read MoreYear-End Giving Strategies: Tax-Smart and Impactful
Key Takeaways A third of annual donations: About one-third of all charitable contributions are made in December. Donating before December 31 may offer tax advantages. New rules starting in 2026 (via the OBBB Act) may affect deductions...
Read MoreNepo Baby Business Planning
The sense of pride in building a business and keeping it in the family can be a huge motivator for business owners. But transferring a business to children for its own sake can have consequential risks for your future, your business,...
Read MoreThe True Costs of Caring for Aging Parents
Key Takeaways Caring for aging parents is a growing reality for many Americans. The number of family caregivers in the U.S. has jumped to 63 million, a 45 percent increase over the past decade, making 1 in every 4 Americans a...
Read MoreWhat Does Your Exit Map Look Like?
Most business owners have never exited their businesses before. Just like taking a big trip to a new place requires good planning to truly enjoy it, so too does a successful business exit. While the details will certainly differ based...
Read MoreMoney Talks: How to Use Holiday Gatherings to Start Family Financial Conversations
Key Takeaways Year-end holidays may be a good time to initiate a discussion about financial matters that may impact your family. If you have adult children, you may want to discuss your financial situation, estate strategy, and legal...
Read MoreShould You Pay Off Your Mortgage Early?
Receiving a bonus, inheritance, or an increase in income often prompts a key financial question: Should I use this money to pay off my mortgage, or invest it? At first glance, the answer might seem simple. But in reality, it requires...
Read MoreA 2025 Guide to Protecting Seniors from Fraud
If you’ve found yourself stepping into a more active role in your parents’ financial lives, you’re not alone. Some of us are helping aging parents navigate everything from healthcare decisions to bill payments—and increasingly, we’re...
Read MorePursuing Trends Vs. Using Fundamentals
Differentiating your business is an important element of growing it successfully. But how should you draw the line between pursuing the newest trends and sticking with the fundamentals? Let’s walk through a process that can help you...
Read MoreSmart Moves to Consider Before Year-End
The final months of the year can sneak up quickly, and with them come deadlines, decisions, and distractions. Before the holiday season takes over your calendar, fall can be a valuable window to revisit your financial strategy and...
Read MoreDon’t Be a Pest: Exiting With Grace
Letting go of the business you own may be one of the hardest things you’ll ever have to do. A key goal of Exit Planning is positioning you to exit on your terms. But even when an exit goes perfectly, some business owners remain drawn...
Read MoreBreaking Down the One Big Beautiful Bill Act: What You Need to Know
The Tax Cuts and Jobs Act of 2017 (TCJA) included lower federal income tax brackets, bigger standard deductions, and higher gift and estate tax exemptions, among other provisions. The law stipulated that some of those tax breaks would...
Read MoreHow Involved Should You Be in Exit Planning?
A big hurdle that business owners struggle to get over when creating an Exit Plan is, “I don’t have enough time to do all that.” On its surface, it’s an intuitive argument. Planning for a business exit is indeed a lot of work. It’s...
Read MoreWhy More Families Are Choosing to Gift Wealth Earlier—and How to Do It
Estate management isn’t just about what happens after you’re gone— it’s also about what you can do now to help manage future estate taxes, transfer wealth strategically, and attempt to create a meaningful impact during your lifetime....
Read MoreWhat You Need to Know About the 2025 Changes to Inherited IRA Rules
The rules regarding inherited IRAs have changed in the last five years, and failing to comply with the new requirements may result in IRS penalties. These changes affect people inheriting IRAs and those looking to leave retirement...
Read MoreBeyond Salary: Understanding Your Total Compensation
Compensation is more than just a number on a paycheck. Whether you're exploring new opportunities, preparing for a promotion, or evaluating your current benefits, it’s important to understand the full value of your total...
Read MoreExit Planning Offers Assurance
Running a business is one of the most fulfilling things you’ll likely ever do. Despite the time and money it costs you, you dedicate everything you have to position it to be successful. With all the effort you pour into your business,...
Read MoreDon't Armchair Quarterback Your Exit
"How hard can planning my exit really be? I already made it valuable, so all I need to do is find someone to buy it for what I want, right?" If you've ever watched a professional football game, you might be familiar with the...
Read MoreTaking Care of Your Business Family
Many business owners eventually reach a crossroads where their families want them to slow down and take it easy, even if they aren't ready to. This can be even more challenging if, as one business owner put it, you "feel more...
Read MoreSaying Goodbye Without Leaving
For many business owners, the business is more than a means to make money—it's a part of their identity and a link to the past. This can make the idea of leaving it, and committing to the planning required to leave it...
Read MoreReducing Taxes Via Exit Planning
Yeah, I'm the taxman. And you're working for no one but me. -George Harrison Selling your business comes with major tax implications. You likely don't want to pay any more than the minimum in taxes when you sell. With planning,...
Read MoreDiversifying Your Business Success
Running a successful business that generates wealth is incredibly satisfying. If there's a downside to it, it's that much of that wealth is generally illiquid, unless you sell the business or invest outside of your business. ...
Read MoreAddressing Disagreements Among Co-Owners
When you co-own a business, you likely don’t go into it thinking, “One day, we may loathe each other.” But over time, goals, ambitions, and the economy itself can change, creating strife among co-owners. And it...
Read MoreBusiness Planning Is Relationship Building
Planning for a successful future can seem like an event—a thing you do in the course of business. However, in many cases, this planning is much more like a relationship: with your loved ones who rely on you, with your employees,...
Read MoreControlling the Uncontrollable Parts of Ownership
A common tragedy for business owners is facing a life-changing event, such as a sudden death or illness that devastates the business, without a plan. While these events may seem uncontrollable in the moment, the good news is that with...
Read MoreHow to Clarify Your Brilliant Processes
Many successful business owners are successful because they think about things differently than most people. Others may recognize your personal brilliance and say to themselves, “I wish I could understand how she does it...
Read MoreDealing With Outside Expectations of Your Wealth
As a successful business owner, the people closest to you likely rely heavily on you. They may also have expectations regarding your wealth. Your plans for how you’ll disperse your wealth, and the expectations others may have,...
Read MoreHow to Identify Internal Next-Level Managers
Next-level managers are an integral part of planning for a successful future. They can come from inside or outside of the company, and you often have a choice about where you find them.Many business owners want to install next-level...
Read MoreWorking Through A Co-Owners Death
The death of a co-owner is a tragedy for many reasons. For many co-owned businesses, co-owners are also close friends. What makes the suffering worse is when the death of a co-owner hurts the business in the months and years after the...
Read MoreWhy You Shouldn’t Do Everything
Why You Shouldn’t Do EverythingWhen you started your business, you might have done a lot of the heavy lifting alone. It’s something to be proud of. As businesses grow, they tend to become more complex. Many business...
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