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Tax Efficiency Articles

Income Tax Planning in Early Retirement: Strategies for HNWIs
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Income Tax Planning in Early Retirement: Strategies for HNWIs

Anyone entering retirement must manage the tax implications that come with shifting their primary income source from their employer to other income streams like social security. But for high-net-worth individuals (HNWIs) with robust portfolios, income tax planning can be particularly complex. Retiri...
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Cash flow in early retirement: Six considerations for high-net-worth individuals
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Cash flow in early retirement: Six considerations for high-net-worth individuals

Many people dream of retiring early so they can spend more time with family and their passions outside of work. But early retirement can present some unique risks, even for high-net-worth individuals. To ensure financial goals are met, thoughtful planning is required, particularly when it comes to c...
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Benefits of Private Placement Life Insurance (PPLI) for the Ultra-Affluent
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Benefits of Private Placement Life Insurance (PPLI) for the Ultra-Affluent

Tax rates are currently at or near historic lows. But ask just about anyone and the expectation is that taxes are sure to increase in the future. So, finding tax-efficient shelters for wealth accumulation is important for protecting long-term portfolio value and accomplishing tax planning goals. For...
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IRA Changes: How New Legislation Could Impact Affluent Individuals
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IRA Changes: How New Legislation Could Impact Affluent Individuals

Major changes could be coming for IRAs if proposed legislation becomes law. A new bill currently making its way through the federal legislature would not only increase the top marginal tax rate, but would change the rules around IRAs, including prohibiting Roth IRA conversions for individuals over a...
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Stock Compensation Strategies: How to Balance Risk and Achieve Tax Efficiency
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Stock Compensation Strategies: How to Balance Risk and Achieve Tax Efficiency

Many corporate executives receive stock as part of their total compensation package. This not only helps align personal goals and company objectives while rewarding top talent with appreciable assets, but many executives enjoy tying their finances, in part, to their employer. They believe in their c...
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10 Tax Proposals that Could Impact Affluent Families
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10 Tax Proposals that Could Impact Affluent Families

On the campaign trail and now in office, President Biden has promised to enact new tax legislation aimed at making sure wealthy Americans “pay their fair share.” To that end, a number of legislative proposals are currently working their way through the House Ways and Means Committee. Those proposa...
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For the 99.5 Percent Act
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For the 99.5 Percent Act

On March 25th, Senator Bernie Sanders introduced the “For the 99.5 Percent Act.” This proposal has the potential to represent a significant reduction in the gift and estate tax exemptions that are currently available. Families that were not previously subject to those taxes could now be impacted. If...
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Financial Planning for a Biden Presidency
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Financial Planning for a Biden Presidency

Following the 2020 election, Biden is in the White House and Democrats hold the majority in Congress. While it’s a 50/50 split in the Senate, Vice President Kamala Harris can act as a tie-breaking vote, giving Democrats more leverage to pass legislation. With this current makeup, the likelihood of n...
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2021 Proposed Tax Changes
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2021 Proposed Tax Changes

It’s hard to believe we are already several weeks into 2021! Here is a quick review of the current balance of power in Washington: Democrats have secured a slim majority in the house, split the senate 50/50 with Kamala Harris serving as the tiebreaker, along with a Biden presidency. So what does t...
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