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Changes for equity investors and potential actions to consider in response On July 3, 2025, Congress passed and on July 4th the President signed into law the “One Big Beautiful Bill Act” (OBBBA), a sweeping fiscal package aimed at tax reform, business incentives, and federal budget adjustments. While broad in scope, the bill contains several provisions that could have material implications for public equity markets. Here are five of the most financially significant changes f

As we pass the halfway point of the year—July 2 marks day 183 of 365—it’s the perfect time to pause, reflect, and re-align your financial strategy. A mid-year financial check-in can help you stay on track, adapt to changes, and make the most of the months ahead. Whether you’re planning for retirement, managing a portfolio, or simply trying to stay organized, here are seven steps worth taking now: 1. Revisit Your Goals Are you still on track to hit your financial goals for the

The proposed 2025 Senate tax legislation introduces some of the most sweeping changes to tax policy since 2017—bringing fresh opportunities, potential pitfalls, and new strategies for preserving and growing wealth.

The recently released 2025 Social Security and Medicare Trustees Report offers a fresh look at the financial outlook of two of America’s most vital retirement programs. While the report confirms continued pressure on funding, it also underscores the importance of proactive retirement and healthcare planning. Read the Full Report Social Security: Funding Timeline and Projections The Old-Age and Survivors Insurance (OASI) Trust Fund, which supports retirement and survivor benef

Introduction Retirement brings a welcome shift—from saving diligently to drawing down your nest egg. But it also introduces a new risk that many investors overlook: sequence of returns risk. Even if you’ve saved enough and invested wisely, poor market performance in the early years of retirement can significantly affect your long-term financial outcomes. Understanding this risk—and taking steps to mitigate it—can help improve your chances of maintaining financial confidence i

In a major victory for retirees across the country, the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) have officially been repealed. The Social Security Fairness Act (H.R. 82) was signed into law by President Biden on January 5, 2025, eliminating both provisions and restoring full Social Security benefits to millions of Americans. Even better—the repeal is retroactive to January 1, 2024. What Were WEP and GPO? For decades, WEP and GPO reduced or

When it comes to building a sustainable income plan in retirement, managing risk and access to funds becomes just as important as generating returns. One popular approach that balances these priorities is the 3-Bucket Strategy—a framework that divides your retirement savings into three distinct “buckets,” each with a specific time horizon, risk level, and purpose. Whether you're five years away from retirement or already enjoying your golden years, the 3-bucket strategy can o

For many small business owners, retirement planning tends to focus on their own future—but what about creating retirement opportunities for employees? Offering a small business 401(k) plan not only helps you secure your own financial future but also attracts and retains valuable talent in an increasingly competitive job market. The good news? Modern 401(k) plans are more accessible and affordable than ever, even for businesses with just a handful of employees. Why Consider a

Choosing a financial advisor is a meaningful step toward building a confident and intentional financial future. Whether you're preparing for retirement, investing for long-term goals, or navigating a major life change, the right advisor can bring clarity, structure, and strategy to your decision-making. But not all advisors operate the same way—so how do you find someone who’s the right fit? Start by asking the right questions. Here are three key questions to help you evaluat

Taxes are a certainty—but surprise tax bills or unexpected refunds don’t have to be. One of the simplest ways to take control of your annual tax outcome is by understanding and adjusting your IRS Form W-4. Whether you’re starting a new job, going through a major life change, or just want more control over your paycheck and tax liability, your W-4 is the tool to make it happen. What Is Form W-4? Form W-4, officially known as the Employee's Withholding Certificate, is a form yo

When building a long-term retirement plan, Roth IRAs are often part of the conversation due to their tax-free growth and tax-free qualified withdrawals. But there are multiple ways to get money into a Roth IRA—and they are not all the same. Let’s break down three distinct strategies: Backdoor Roth IRA Conversion Regular Roth IRA Conversion Regular Roth IRA Contribution While all three result in money inside a Roth IRA, the source of the funds and the tax implications are very

Financial planning is not a one-time event—it’s an ongoing process that requires regular attention. Life circumstances, market conditions, and tax laws change over time, making periodic financial check-ups an essential part of maintaining a well-structured financial plan. Why Financial Check-Ups Matter Just as routine medical exams help detect potential health concerns before they escalate, financial check-ups serve a similar role in evaluating your financial well-being and m