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For many families, the cost of college is one of the biggest financial milestones they will plan for. Parents often want to help, whether by saving, offering guidance, or supporting their student’s decisions—but the process can feel overwhelming. The good news: with thoughtful coordination of  savings ,  scholarships/grants , and  student loans , families can build a manageable strategy that supports both the student’s future and the parent’s long-term financial wellbeing. Be

As the year draws to a close, it’s the perfect time to pause, reflect, and take proactive steps to align your financial life with your goals. A structured year-end review ensures you’re maximizing opportunities for tax efficiency, fine-tuning your investments, and entering the new year with confidence. Below, you’ll find two tailored checklists—one for individuals still in their working years and another for those enjoying retirement. For Working Individuals: Positioning for

For many real estate investors, one of the most valuable tax planning opportunities is qualifying for  Real Estate Professional (RE Pro) status  with the IRS. Achieving this designation can change how your rental activity is treated for tax purposes, potentially allowing you to deduct real estate losses against wages, business income, or other non-passive income. But qualifying is not easy—the IRS sets strict criteria, and you must meet all requirements within the same tax ye