Articles Library

Authored by: Nicholas M. Brown, CFA, CFP® For many business owners, signing a buy sell agreement feels like an important box has been checked. The owners have discussed what should happen if a partner dies, becomes disabled, retires, or leaves the company. Attorneys have prepared the documents. Everyone has signed. The agreement is placed in a file, and attention returns to running the business. But…

Authored by: Jared Virgadamo, CRPC®, CFS® For many business owners, succession planning is treated as a future decision tied to retirement or an eventual sale. In reality, the strongest transitions are often the result of years of preparation completed well before an owner is ready to step away. Building a succession strategy early can help preserve business value, create greater flexibility during…

Authored by: Erica Bourquin, CFP® For many, early retirement represents the reward for decades of disciplined work, saving, and planning. The ability to step away from a demanding career earlier in life creates opportunities to spend more time with loved ones, travelling, pursuing personal interests, or devoting time to charitable endeavors. Many retirees carefully prepare to replace their income from…

Authored by: Dale Shaw, CFP®, RICP® Changing jobs, retiring, or selling a business can create an important financial decision: what should you do with the money in an old 401(k)? For many investors, the answer may appear straightforward. Move the assets into an individual retirement account, consolidate them with another employer plan, or leave them where they are. Yet the mechanics of a rollover can…

Authored by: Erica Bourquin, CFP® A business can have strong revenue, loyal clients, and a compelling growth plan, yet still face one of its most difficult risks: losing the people who make the enterprise work. For some privately held companies, professional firms, and family-owned businesses, a small group of key employees may carry an outsized share of institutional knowledge, client relationships,…

Authored by: Derek J. Taylor A Granite Harbor Capital Perspective Most private capital vehicles specialize. A real estate fund buys and operates property. A private equity fund acquires and grows operating companies. Limited partners typically hold both exposures separately, in separate vehicles, with separate K-1s and separate tax profiles. The Mariner Fund takes a different approach. By housing investment…

Authored by: Timothy B. Smith, CFP® Retirement is often viewed as the reward for decades of hard work, but it also marks the beginning of a new set of financial decisions. For families who are charitably inclined, retirement offers unique opportunities to reduce taxes while making a lasting impact on the organizations and causes they value most. Unfortunately, many retirees treat investment decisions,…

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® For many corporate executives, changing employers triggers a long list of financial decisions. New compensation packages, equity awards, executive benefits, insurance coverage, and retirement plans all deserve attention. One of the most visible decisions is what to do with your former employer's 401(k). While important, a rollover is simply one action item…

Authored by: Dale Shaw, CFP®, RICP® A portfolio that earns ten percent in a given year may appear to outperform one that earns eight percent. On paper, the comparison seems straightforward. But for many successful investors, the more important question is not how much the portfolio earned. It is how much they kept after taxes. Taxes are one of the few factors that can consistently reduce investment…