News & Insights
Explore insights across key areas of financial planning, investing, and wealth strategy.
Latest Insights
Asset Location: Why Where You Invest Matters for Your Financial Plan
When most people think about investing, they focus on what they own: stocks, bonds, mutual funds, and the role each plays in building and preserving...
Year-End Mutual Fund Capital Gain Distributions: How to Plan Before the Statement Arrives
Every year around this time, investors with taxable accounts open a statement and find income they never chose to realize. Year-end capital gain...
Fiduciary, Fee-Only or Fee-Based: What the Labels Mean and Why They Matter
A prospective client recently asked us two questions in the same breath. Were we fiduciaries? And were we also fee-only? Then came the sharper...
October 2026 Market Update: What AI Spending, Interest Rates, and Economic Growth Mean for Investors
October gave investors a lot to sort through. After a strong run earlier in the year, stocks turned more volatile. Technology shares came under...
What 7% Mortgage Rates May Mean for Homeowners and the Economy
For many families, a home is more than a place to live. It may be their largest asset, their biggest monthly expense, and one of the most...
Helping Your Grandchildren Pay for College: Where a 529 Plan Fits
For many grandparents, helping with a grandchild's education is about more than tuition. It is a chance to support someone you love as they take the...
Retirement Planning
Asset Location: Why Where You Invest Matters for Your Financial Plan
When most people think about investing, they focus on what they own: stocks, bonds, mutual funds, and the role each plays in building and preserving wealth.There is another question that often gets less attention: Where are those investments held?
How Much Money Americans in Their 30s and 40s Have in Their 401(k)s
Kevan Melchiorre, CFP®, Co-Founder of Tenet Wealth Partners, recently shared his perspective with CNBC on the role of 401(k)s in retirement planning, how much workers may consider saving, and why feeling behind doesn’t mean it’s too late to revisit your retirement savings approach.
Can You Collect Social Security Benefits From an Ex-Spouse? Here’s What You Need to Know
If you’re approaching retirement after a divorce, you may have heard that you can collect Social Security benefits based on your former spouse’s work record. It’s a common question, and in many cases, the answer is yes. However, there are several important rules that determine whether you’re eligible and how much you may receive.
Tax Planning
Asset Location: Why Where You Invest Matters for Your Financial Plan
When most people think about investing, they focus on what they own: stocks, bonds, mutual funds, and the role each plays in building and preserving wealth.There is another question that often gets less attention: Where are those investments held?
Year-End Mutual Fund Capital Gain Distributions: How to Plan Before the Statement Arrives
Every year around this time, investors with taxable accounts open a statement and find income they never chose to realize. Year-end capital gain distributions from mutual funds can look like good news. They often arrive with a tax bill attached.
Helping Your Grandchildren Pay for College: Where a 529 Plan Fits
For many grandparents, helping with a grandchild’s education is about more than tuition. It is a chance to support someone you love as they take the next step toward independence. Recent changes to federal financial aid rules have also prompted families to take another look at grandparent-owned 529 accounts.
Investment Management & Financial Markets
Asset Location: Why Where You Invest Matters for Your Financial Plan
When most people think about investing, they focus on what they own: stocks, bonds, mutual funds, and the role each plays in building and preserving wealth.There is another question that often gets less attention: Where are those investments held?
Year-End Mutual Fund Capital Gain Distributions: How to Plan Before the Statement Arrives
Every year around this time, investors with taxable accounts open a statement and find income they never chose to realize. Year-end capital gain distributions from mutual funds can look like good news. They often arrive with a tax bill attached.
Fiduciary, Fee-Only or Fee-Based: What the Labels Mean and Why They Matter
A prospective client recently asked us two questions in the same breath. Were we fiduciaries? And were we also fee-only? Then came the sharper follow-up: what exactly does “fee-only” mean, and why should it matter if a firm is already a fiduciary?
Estate Planning
Helping Your Grandchildren Pay for College: Where a 529 Plan Fits
For many grandparents, helping with a grandchild’s education is about more than tuition. It is a chance to support someone you love as they take the next step toward independence. Recent changes to federal financial aid rules have also prompted families to take another look at grandparent-owned 529 accounts.
Revocable vs. Irrevocable Trusts: Do You Give Up Control?
Trusts can play an important role in an estate plan, but the terminology often creates confusion. One question we hear frequently is: “What is the difference between a revocable living trust and an irrevocable trust, and would I be giving up control by creating a revocable trust?” The short answer is generally no. In fact, retaining control is one of the defining characteristics of a revocable living trust.
How Advanced Estate Planning Can Maximize Family Wealth Transfer
For many people, accumulated wealth represents far more than just a financial figure. It reflects years of dedication, careful saving, and personal...
Cash Flow Planning
October 2026 Market Update: What AI Spending, Interest Rates, and Economic Growth Mean for Investors
After a strong run earlier in the year, stocks turned more volatile. Technology shares came under pressure as investors weighed the rising cost of artificial intelligence (AI). The Federal Reserve held interest rates steady, inflation stayed above the Fed’s target, and the U.S. economy continued to grow at a solid pace.
What 7% Mortgage Rates May Mean for Homeowners and the Economy
For many families, a home is more than a place to live. It may be their largest asset, their biggest monthly expense, and one of the most significant financial decisions they make.
Housing also plays an important role in the broader economy, accounting for roughly 15% to 18% of U.S. economic activity.¹ Changes in the housing market can ripple through household finances, consumer spending, and the economy more broadly.
What Financial Independence Really Means
For many people, financial independence is often framed as a number—a savings milestone, retirement target, or investment benchmark to achieve. But...
Business Owners / Executive Planning
Financial Planning for Healthcare Practice Owners: Balancing Business Success and Personal Goals
Building and managing a healthcare practice often requires balancing far more than patient care alone. Practice owners frequently navigate...
Using a Roth IRA for Children in a Family Business
A Roth IRA can be a powerful way for small business owners to build wealth for the next generation. Learn how this strategy works and why starting early can make a lasting impact.
Integrating Equity Compensation Into Your Financial Plan
Equity compensation can be a powerful wealth-building tool—but only when thoughtfully integrated into your financial plan. Learn how to manage risk, taxes, and concentration exposure.
Insurance Planning
Understanding Medicare Planning: IRMAA, Costs & Key Retirement Decisions
Medicare is one of the most important — and misunderstood — components of retirement planning. From IRMAA income cliffs to coverage decisions like Medigap vs. Medicare Advantage, the choices you make can significantly impact your long-term financial plan.
Assess Life Insurance Needs
If your family relies on your income, it's critical to consider having enough life insurance to provide for them after you pass away. But too often,...
Prevent a Rift: Money Tips for Newlyweds
One survey found that 35% of couples attribute stress in their relationship to financial issues. This could explain why some experts say financial...
Charitable Planning
Why Donating Appreciated Stock May Be More Tax-Efficient Than Selling It
Donating appreciated stock instead of selling it may help reduce capital gains taxes while supporting your charitable goals more efficiently.
Navigating Tax Law Changes for 2026 Tax Planning
Significant tax law changes taking effect in 2026 may impact retirement contributions, deductions, and Social Security taxation. Understanding how these updates fit into your broader financial plan can help you identify opportunities and avoid unintended consequences.
How Qualified Charitable Distributions (QCDs) Can Lower Your Tax Bill in Retirement
For many retirees, charitable giving is about more than generosity - it’s also a way to align financial strategy with personal values. Qualified...
Medical Professionals
Financial Planning for Healthcare Practice Owners: Balancing Business Success and Personal Goals
Building and managing a healthcare practice often requires balancing far more than patient care alone. Practice owners frequently navigate...
Filling the gap: Advanced retirement plan strategies for dentists
Article originally appeared in Dental Economics, the world’s leading print and digital practice management journal for the dental profession. Click...
Cash Balance Plans: A Powerful Retirement Strategy for High Earners
As a high-income professional or business owner, you may be looking for additional ways to save tax-efficiently for retirement beyond traditional...