Learning Center

Contributed by: Nicholas Brown, CFA, CFP In wealth management conversations, the focus often lands on asset allocation, market performance, or investment selection. Yet one of the most influential drivers of long-term after-tax wealth has nothing to do with the market at all—it’s how your investment accounts are structured. Most high-income earners and affluent families hold a combination of retirement…

What is the Qualified Business Income Deduction? The Qualified Business Income (QBI) Deduction is a tax provision introduced under the Tax Cuts and Jobs Act (TCJA) of 2017. This deduction, available under Section 199A, allows eligible taxpayers to deduct up to 20% of their qualified business income from their taxable income. The purpose of this provision is to provide a tax break to small business…

What to do with Your 401(k) after Leaving a Job: Key Considerations & Advanced Tax Strategies When navigating a job transition, whether entering retirement or an unexpected layoff, one crucial aspect that requires careful consideration is what to do with your 401(k) plan. Making informed choices is of utmost importance to safeguard your financial future. By taking stock of your existing plan and…

Contributed by: Dale Shaw, CFP®, RICP® There’s a common misconception among high-net-worth families and successful business owners: if the market is quiet and the balance sheet looks strong, doing nothing might be the safest move. After all, isn’t inaction better than a misstep? It’s a comforting idea — but a dangerous one. The truth is that wealth erosion rarely announces itself with a dramatic event.…

Ensuring compliance while managing personal investments is a significant challenge for senior executives and directors of public companies. Company trading policies often impose restrictions to prevent conflicts of interest and insider trading, making it difficult for executives to sell shares. However, Rule 10b5-1 trading plans offer a solution. This article provides an in-depth look at these plans,…

Contributed by: Nicholas Brown, CFA, CFP In wealth management conversations, the focus often lands on asset allocation, market performance, or investment selection. Yet one of the most influential drivers of long-term after-tax wealth has nothing to do with the market at all—it’s how your investment accounts are structured. Most high-income earners and affluent families hold a combination of retirement…

What is the Qualified Business Income Deduction? The Qualified Business Income (QBI) Deduction is a tax provision introduced under the Tax Cuts and Jobs Act (TCJA) of 2017. This deduction, available under Section 199A, allows eligible taxpayers to deduct up to 20% of their qualified business income from their taxable income. The purpose of this provision is to provide a tax break to small business…

What to do with Your 401(k) after Leaving a Job: Key Considerations & Advanced Tax Strategies When navigating a job transition, whether entering retirement or an unexpected layoff, one crucial aspect that requires careful consideration is what to do with your 401(k) plan. Making informed choices is of utmost importance to safeguard your financial future. By taking stock of your existing plan and…

Authored by: Brian Sak, CFP®, CLU®, ChFC® When it's time to transition a business, the structure of the deal matters just as much as the successor. Whether passing it to family, selling to key employees, or exiting through a third-party sale, each strategy carries its own tax implications—some immediate, others long-term. This article outlines the most common succession techniques, the tax challenges…

Ensuring compliance while managing personal investments is a significant challenge for senior executives and directors of public companies. Company trading policies often impose restrictions to prevent conflicts of interest and insider trading, making it difficult for executives to sell shares. However, Rule 10b5-1 trading plans offer a solution. This article provides an in-depth look at these plans,…

Contributed by: Austin Manning, CFP® In periods of market uncertainty or exuberance, investors often find themselves tempted to adjust their portfolios in reaction to short-term movements. It’s a natural impulse—markets are dynamic, news cycles are constant, and the pace of change can be dizzying. But this raises an important question for any serious investor: what is the right way to position a portfolio…

Contributed by: Timothy Smith, CFP® In the world of wealth planning, quiet legislative changes often have an outsized impact on how families and business owners structure their estates, minimize taxes, and leave a legacy. The “Big Beautiful Bill” is a prime example. Though its title may sound casual, the potential implications for charitable legacy planning are anything but. Designed to modernize and…

Contributed by: Pijus Bulvinas, CFP & Richard Dorfman, Vice President, SRS Real Estate Partners Real estate investors are constantly seeking ways to maximize their returns while minimizing their tax liabilities. For those looking to sell appreciated property without incurring significant capital gains taxes, the 1031 exchange offers a powerful solution. Named after Section 1031 of the Internal…

Authored by: Nicholas Brown, CFA, CFP® In the ever-evolving world of tax legislation, clarity and consistency are rare luxuries. Yet that is precisely what the One Big Beautiful Bill Act (the Act) aims to deliver—a sweeping tax reform package designed to bring permanence to key provisions of the Tax Cuts and Jobs Act (TCJA) and introduce several notable changes affecting high income earners, small…

Understanding Premium Financing Premium Financing represents a sophisticated financial strategy that involves the procurement of a bank loan to pay for insurance premiums. This approach is particularly advantageous for high-net-worth individuals seeking to preserve their use of capital in other areas, while securing desired life insurance coverage for liquidity planning. The Mechanics of Premium Financing Premium…

As you prepare for retirement with confidence, we wanted to share key findings from Ernst & Young's newly released 2025 study, 'Holistic Planning: Integrating Insurance Products for Better Outcomes in Retirement' The 2025 study by Ernst & Young on incorporating life insurance and guaranteed income strategies into a holistic financial plan expands on its 2021 study and further validates that…

Contributed by: Austin Manning, CFP Retirement planning for corporate executives involves far more than deciding when to exit the workforce. With deferred compensation packages, concentrated stock positions, non-qualified plans, and golden parachutes in the mix, the path to financial independence is layered with complexity. One often overlooked tool in managing this transition is the annuity – a word…

Contributed by: Caleb Christian, CFP, CLU, ChFC Reconsidering Life Insurance: Seven Misunderstandings Wealthy Families Should Avoid Among individuals with significant wealth, life insurance is often viewed as unnecessary. With assets sufficient to cover family needs, taxes, and liabilities, the assumption is that life insurance serves little purpose. Yet this view overlooks how insurance can function…