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Inheriting Wealth Near Retirement: How to Avoid Tax Traps and Family Conflict

It happens in a phone call. One minute you are planning your standard retirement timeline, and the next, your financial reality has shifted overnight. Receiving a significant inheritance in your...

From Stock Options to Stress: How One Executive Finally Found Financial Peace

Robert stared at the glowing "Execute" button on his computer screen, his hand trembling slightly on the mouse. In ten minutes, the market would close, and another batch of his RSUs was set to vest...

Who Are the Best Wealth Managers? (And How to Avoid Choosing the Wrong One)

If you are reading this, you probably typed “best wealth managers near me” into Google hoping for a simple answer. Instead, you likely found a confusing mix of results. You see advertisements for...

When to Sell Your RSUs: A 5-Step Tax Strategy for Tech and Pharma Executives

Whether you’re an executive at a pharmaceutical giant or an engineer at a tech firm, your compensation package probably feels like a double-edged sword. On one hand, your employer stock incentives...

Why Your AI Financial Advisor Might Be Gaslighting You

We’ve all had that one intern who, when asked a question, would rather make up a convincing lie than simply say, “I don’t know.” Well, it turns out most AI models are just like that intern... only...

The Tax Bill That Almost Broke a Growing Business (And How Tim Fixed It)

Tim stared at the bold, black ink on the letter from the IRS, his hands shaking. Just a couple of years ago, he was worried about the survival of his business; now, his massive tax bill made that...

Why "Normal" Prices Aren’t Coming Back

A client recently asked if we’re ever going back to the Fed’s 2% inflation target. The short answer: prepare to stay annoyed. We were spoiled in the 2010s with a 1.8% average. That decade was a...

Tax Deductions for Small Businesses

Tax Deductions for Small Businesses There are lots of tax deductions that a small business owner can utilize. This situation is much more complicated and valuable than for the average...

Are Adjustable‑Rate Mortgages the Right Fit for Your Financial Plans?

With interest rates continuing to shift, many homeowners and buyers are exploring mortgage options that provide both flexibility and early affordability. One option worth considering is the...

How Can You Plan For The Rising Cost of Long‑Term Care?

Aging brings new considerations, and planning for long-term care has become increasingly important. With care costs continuing to rise nationwide, many families are looking for ways to prepare...

How to Get Out of an Annuity (Without Losing More Money)

If you regret buying an annuity, you are not alone. Many people were persuaded by a sales rep with promises like “guaranteed income” or “no downside risk,” only to discover later that: Fees are...

Is a 401(k) Plan Right for Your Small Business?

Many small business owners have long believed that 401(k) plans are too complex or expensive. But is this really the case? With recent updates through SECURE 2.0, offering a 401(k) is becoming more...

4 Financial Planning Questions You Need To Ask Before Year-End

As the year draws to a close, it’s the perfect moment to take charge of your financial journey. We understand that managing finances can be daunting, but making proactive decisions now can truly...

Crypto & Liquidity

Crypto, specifically Bitcoin, has consistently been a strong leading indicator of liquidity constraints. Bitcoin has had a 0.9 or greater correlation with global liquidity. What does this mean?...

Three-Quarters Gone: A Lesson in Scarcity

How Much Gold Is Left To Be Mined? A recent chart showed all the gold ever mined since, well, forever, would form a single, 22-meter cube. The amount left to mine – the stuff that’s currently worth...

Personalized Wealth Management in Apex, NC

Wealth Management for High-Net-Worth Families Wealth Management is more than choosing investments. When you have over $1 million to invest, the stakes feel higher. Taxes matter more. Risk matters...

5 Smart Moves to Lower Your Business Tax Bill

The slower pace of summer provides an ideal opportunity for strategic financial planning. While tax season may seem far off, now is the perfect time to take proactive steps that can lead to...

The Only Investment Strategy That Wins Every Decade

Diversified Wealth Management The attached chart of asset class returns by decade is a great reminder: Nobody gets to be right all the time. Look at the 1930s and 2000s. Stocks (S&P 500) were down,...

Smart Wealth Management: Is Tax-Loss Harvesting Right for Your Portfolio?

As the days grow shorter and the leaves turn vibrant shades of red and gold, it's not just the trees that can benefit from a little pruning. Autumn is an ideal time to assess and adjust your...

Should I Exercise My Stock Options as Soon as They Vest?

The Dilemma Every Tech Executive Faces If you’ve ever stared at your vesting schedule and wondered “Should I exercise my options now or wait?” – you’re not alone. Among tech employees, this exact...

Roth IRA Conversion Q&A: Your Guide to Smart Retirement Planning

Taking Control of Retirement Amid Market ShiftsIn a world of financial uncertainty, taking control of your retirement plan remains more crucial than ever. Recent market fluctuations have prompted...

Government Shutdown

Government ShutdownWe are on our 5th government shutdown over the past 40 years. We had two in 1996, one in 2014 and 2019 and now one in 2025. The past shutdowns have lasted 5, 21, 16, and 34 days,...

Fee-Only Financial Planning: The Ultimate FAQ Guide

Welcome to the definitive guide on fee-only financial planning! Whether you're just beginning your financial journey or looking to refine your strategies, understanding the nuances of fee-only...

How Are High Net Worth Individuals Investing?

High net worth (HNW) individuals are increasingly allocating a greater share of their assets to independent Registered Investment Advisers (RIAs) and fee-only firms, moving away from traditional...

Is Bitcoin Getting Boring?

Remember Bitcoin's early days? Pure chaos. The daily price swings were wild enough to make your coffee spill. Our attached chart shows exactly that – a history of wild volatility. But look closely...

Why Tax-Loss Harvesting Might Just Be the Fall Cleaning Your Finances Need

As the days grow shorter and the leaves turn vibrant shades of red and gold, it's not just the trees that can benefit from a little pruning. Autumn is an ideal time to assess and adjust your...

A History of Interest Rates in One Chart

A Look at Interest Rates Over the Last 70 Years Looking at this chart of historical interest rates is a bit like scrolling through old photos of your parents. You see them in the '80s, all big hair...

Invest Smarter By Understanding Your Risk Tolerance

Understanding risk tolerance in investing is like trying to decide if you're comfortable with bungee jumping or would rather stick to watching Netflix on the couch. It’s all about knowing your...

Is That Really the IRS Calling? Five Clues It’s Probably a Scam (and Why You Shouldn't Panic)

We've all been there: your phone rings, and the caller claims to be from the IRS. Cue the heart palpitations and frantic search for last year's tax records! Here’s how you can spot an IRS scam...

The Big Beautiful Bill

The Big Beautiful Bill What was in this Big Beautiful Bill and how does it affect you? Most of the bill affected taxes, so that is what I will focus on here.The best thing it did was...

We're Building for Machines, Not People

I was looking at this chart the other day. It shows that we're about to spend more on data centers than on offices. Which, if you're a human who works in an office, is either a little bit insulting...

Financial Planning: A Strategic Advantage for HNW Individuals During Financial Planning Month

1. Embracing Proactive Wealth ManagementOctober, National Financial Planning Month, serves as a timely reminder for high-net-worth (HNW) individuals to revisit and refine their financial strategies...

Dot-Com Bubble Vs AI Surge: Same Story, Different Ending?

Dot Com Boom & Bubble Vs Artificial Intelligence I got an email the other day with a chart. It was from some financial analysts – people who get paid to stare at lines on a screen. And this chart,...

Business Taxes: Unlock These 5 Key Moves to Lower Your Tax Bill

As summer comes to an end, it’s an ideal moment to look ahead and financially strategize. While tax season feels distant, taking proactive steps now can lead to significant savings on your business...

Should I do a Roth Conversion?

Thinking about the twists and turns on the road to retirement? It's easy to get caught up in the unpredictability of market changes, but there’s a way to regain control: the Roth IRA conversion....

Understanding OBBBA: A New Era for Seniors

Navigating Legislative ChangesLegislative shifts can be unsettling, especially for seniors who are planning their financial future and healthcare needs. The newly signed One Big Beautiful Bill Act...

Avoid Costly Year-End Tax Surprises for Your Business

As the year quickly comes to a close, many business owners find themselves caught off guard by unforeseen tax challenges. Without proper preparation, these costly surprises can jeopardize the best...

Rethinking 401(k)s: A Guide for Small Businesses

Challenging Outdated PerceptionsThe notion that 401(k) plans are too complex or expensive for small businesses is outdated and needs rethinking. As a small business owner, you already juggle...

Harvard's $50 Billion Liquidity Crunch

Harvard is reportedly issuing $1.2 billion debt to raise cash. Seems their $50 billion endowment, much like that emergency stash of cash you swore you wouldn't touch, isn't exactly liquid when you...

I have saved for decades. Now what?

From Saver to Strategist: Taking Control of Your Retirement FinancesYou've diligently saved for retirement, and now you're wondering, "What's next?" It's a common feeling. After decades of...

Social Security Fairness Act: Key Changes & Benefits You Need To Know

On January 5, 2025, a pivotal change unfolded for millions of retirees across the nation. The signing of the Social Security Fairness Act marked the dissolution of antiquated provisions that had...

Navigating Life Insurance Trends for 2025

As we step into 2025, understanding life insurance trends becomes paramount for securing your financial future and protecting your family. Updated statistics are vital tools that enable us to make...

Investment Comparison: Lump Sum VS Dollar Cost Averaging

Do you have some extra cash you want to invest, but not sure if this is a good time to go "all-in"? Well, here's a chart that demonstrates how two different approaches might work out. See that blue...