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Taxes will most likely be your largest strain on cash flow as you enter retirement. Having a clear understanding of your current tax situation is half the battle. Being…

Retirement savings rules have recently undergone significant changes with the implementation of SECURE 2.0. From age changes for required minimum distributions (RMDs) to more opportunities to save with catch-up contributions, read on to learn some of the fundamental changes from this legislation and...

The recent collapses of Silicon Valley Bank (SVB) and Signature Bank (Signature) resulted in two of the three biggest bank collapses in U.S. history, behind the 2008 collapse of Washington Mutual. This has created uncertainty over the stability and liquidity of all banks, especially for those with...

In the 21st century, endless information is accessible in the palm of our hands. With a few clicks, we can find the basic information we need to make financial decisions quickly and easily. But for some of us, basic information is not enough. Additionally, we tend to have limited amounts of time f...

Ask the Right Questions Not all financial advisors are the same. Asking the right questions can help you find the right advisor for your specific goals. However, you may not be aware of what questions to ask or even what a good answer would be. You may find this concise s...

It takes no planning to leave an inheritance, you just have to pass away owning something. However, most wealthy families are more interested in leaving a legacy, which does require significant thought and planning. The Dilemma John has worked his entire life to achieve success in both his p...

Join Managing Partner, Brian Sak as he unpacks the potential tax legislation that is slated as part of the Biden Tax Proposal. While time will only tell which of these…

Taxes will most likely be your largest strain on cash flow as you enter retirement. Having a clear understanding of your current tax situation is half the battle. Being…

It takes no planning to leave an inheritance. You simply have to pass away owning something. If you wish to leave a meaningful legacy to future generations, it takes…

Are you considering early retirement? Did you just receive a severance? Many would love to be able to retire early, but just not sure if they can. There are some…

Join our trusted colleagues and estate planning attorneys, Benjamin Kelly and Amy Koontz as we discuss the key factors to consider in crafting your family's estate plan.…

Our trusted business advisor and friend, Gene Roberts joins us about the importance of having structure in your business. Structure for effective accountability, and structure…

Bitcoin: It's hot...It's not....Here is a brief educational video about the basics of cryptocurrency. Gain an understanding of the risks, and potential applications of…

Q4 - 2022 Quarterly Market Summary Welcome to another episode of The 15-minute Quarter! Each quarter Granite Harbor Advisors presents a 15-minute overview of the…

Q3 - 2022 Quarterly Market Summary "Paying the Risk Premium" is the title of this episode. As you may know, our investment philosophy is built upon scientifically…

Q1 - 2021 Quarterly Market Summary A full year after the start of the pandemic, we reflect back on the victory lap small cap stocks have taken over the last year.…

Q2 - 2021 Quarterly Market Summary "Everything is Bigger Everywhere" is the title of this quarterly summary as global equity markets surge. Oil prices hit a two-year…

Q3 - 2021 Quarterly Market Summary With the exception of emerging markets, the global equity markets were pretty quiet along with the global fixed income markets.…

Do you have a life insurance policy that you no longer want or need? Do you have expiring term insurance that you don't wish to convert? Do you have a cash need now and…

Read to see how a well-designed life insurance strategy can be a tax-efficient way to transfer wealth and protect your legacy

A Guide to Understanding the Financial Benefits of life insurance strategies

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...

Many people think of life insurance in rather uninspired terms. They generally consider it a liability and an expense that shows up in cash flow projections, not a true asset. This is sometimes why investors will surrender a policy or let one lapse. But before doing either of those things, policyh...

Good estate planning answers three key questions: Where does your stuff go? Who is in charge? And what are the rules? Life insurance can be one of the most tax-efficient ways to answer these questions because it can limit tax exposure while protecting and facilitating generational wealth. Here’s a l...