2025 Tax Reference Guide
Stay current of the latest tax changes with our 2025 Tax Rates, Schedules, and Contribution Limits with our latest 2025 Tax Reference Guide.
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2026 Tax Reference Guide
2026 Tax Rates, Schedules, and Contribution Limits with our 2026 Tax Reference Guide.
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15 MINUTES WATCH
15-Minute Quarter: 2025 Annual Market Review
2025 Annual Market Summary
Welcome to another episode of The 15-Minute Quarter! Each quarter, Granite Harbor Advisors presents a 15-minute overview of the last 90 days in the market and answers many common questions we have received.
In this edition, Nicholas Brown, CFA, CFP®, reviews key events from 2025, providing insightful commentary on current events and market performance.
Mariner Capital Fund Investor FAQ
This document addresses frequently asked questions about Mariner Fund I to help qualified investors better understand the fund’s objectives, structure, and investment approach.
This collateral is provided for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only to qualified investors by means of a private placement memorandum and other offering documents, which should be read in their entirety. Private investment services offered through Granite Harbor Capital, LLC, a wholly owned subsidiary of Granite Harbor Advisors, Inc., a Registered Investment Adviser. Mariner Fund I is not and will not be registered under the U.S. Investment Company Act of 1940 or the Securities Act of 1933.
Mariner Capital Fund Investor Overview
This handout offers a high-level overview of Mariner Fund I, an opportunity fund designed to provide diversified access to select private equity, real estate, and private credit opportunities. It outlines the fund’s purpose, investment approach, and key considerations for qualified investors.
This collateral is provided for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only to qualified investors by means of a private placement memorandum and other offering documents, which should be read in their entirety. Private investment services offered through Granite Harbor Capital, LLC, a wholly owned subsidiary of Granite Harbor Advisors, Inc., a Registered Investment Adviser. Mariner Fund I is not and will not be registered under the U.S. Investment Company Act of 1940 or the Securities Act of 1933.
6 minutes read
Private Market Investments in High-Net-Worth Portfolios
Authored by: Derek J. Taylor
For high net worth investors, portfolio construction extends well beyond traditional public markets. While public equities and fixed income remain foundational, they are increasingly insufficient on their own to address the complexity of modern wealth objectives—capital preservation, long-term growth, income generation, and downside resilience across market cycles.
At Granite…
Planning
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3 minutes read
Opening the back door to tax-free earnings
As covered in our 401(k) – Super Roth article, a Roth IRA offers an attractive tax benefit. But, what do you do if you do not have a 401(k) or your 401(k) does not allow post-tax contributions? The answer is the Backdoor Roth which is the conversion from a Traditional to a Roth IRA.
Both the Super Roth and Back Door options are for people who exceed the income limits (single filers that make over $168,000…
4 minutes read
Navigating a Job Transition
Mostly gone are the days where someone spends their entire career working for one company. Talented executives have become “free agents” and can transition between companies as needed. When planned, these job transitions can be an exciting time.
Sometimes factors beyond our control force us to endure an unplanned job transition. This can add stress, usually at the worst possible time, as a variety…
7 minutes read
Are Your Trusts Working as Intended?
Contributed by: Brian Sak, CFP®, CLU®, ChFC®
For wealthy families, business owners, and executives—particularly those with complex estate plans—trusts are often a key component of multigenerational wealth transfer, asset protection, and tax minimization strategies. Yet too often, trusts are created, then left dormant or mismanaged. As a result, what was once a well-designed structure can quietly unravel.
At…
5 minutes read
Charitable Giving and Impact Investing in an Uncertain Economy
Contributed by: Timothy Smith, CFP®
Economic uncertainty has a way of making even the most values-driven investors pause. When markets are volatile, inflation is persistent, and headlines feel relentlessly negative, charitable giving and impact investing are often the first areas questioned. Should generosity wait for more stable times? Does impact investing still make sense when returns feel less…
Mariner Capital Fund Investor FAQ
This document addresses frequently asked questions about Mariner Fund I to help qualified investors better understand the fund’s objectives, structure, and investment approach.
This collateral is provided for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only to qualified investors by means of a private placement memorandum and other offering documents, which should be read in their entirety. Private investment services offered through Granite Harbor Capital, LLC, a wholly owned subsidiary of Granite Harbor Advisors, Inc., a Registered Investment Adviser. Mariner Fund I is not and will not be registered under the U.S. Investment Company Act of 1940 or the Securities Act of 1933.
Mariner Capital Fund Investor Overview
This handout offers a high-level overview of Mariner Fund I, an opportunity fund designed to provide diversified access to select private equity, real estate, and private credit opportunities. It outlines the fund’s purpose, investment approach, and key considerations for qualified investors.
This collateral is provided for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities. Any such offer or solicitation will be made only to qualified investors by means of a private placement memorandum and other offering documents, which should be read in their entirety. Private investment services offered through Granite Harbor Capital, LLC, a wholly owned subsidiary of Granite Harbor Advisors, Inc., a Registered Investment Adviser. Mariner Fund I is not and will not be registered under the U.S. Investment Company Act of 1940 or the Securities Act of 1933.
Investments
View all Investments
3 minutes read
Opening the back door to tax-free earnings
As covered in our 401(k) – Super Roth article, a Roth IRA offers an attractive tax benefit. But, what do you do if you do not have a 401(k) or your 401(k) does not allow post-tax contributions? The answer is the Backdoor Roth which is the conversion from a Traditional to a Roth IRA.
Both the Super Roth and Back Door options are for people who exceed the income limits (single filers that make over $168,000…
6 minutes read
Private Market Investments in High-Net-Worth Portfolios
Authored by: Derek J. Taylor
For high net worth investors, portfolio construction extends well beyond traditional public markets. While public equities and fixed income remain foundational, they are increasingly insufficient on their own to address the complexity of modern wealth objectives—capital preservation, long-term growth, income generation, and downside resilience across market cycles.
At Granite…
11 minutes read
The Ultimate Guide to Private Market Investing
Getting Started with Private Markets as part of a Comprehensive Investment Strategy for Accredited Investors.
Private Market Investing has become increasingly popular over the years as investors seek higher returns in a low-interest-rate environment and an alternative to the daily volatility of the public markets1. Private Markets can be a profitable venture for the right investor. While investing…
4 minutes read
Navigating Rule 10b5-1 Trading Plans: A Detailed Guide
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,…
7 minutes read
Positioning Portfolios for Long-Term Success: Strategic Allocation vs. Tactical Allocation
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…
Integrating Public & Private Market Access
With the expansion of Private Markets, Granite Harbor recognizes the significance of offering effective exposure to a growing asset class in investment portfolios.
Insurance
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Why High-Net-Worth Individuals Should Consider Long Term Care
Nearly 70% of Americans over 65 will require long-term care, and for high-net-worth couples the challenge is not paying for it, but preserving portfolios, protecting spousal income, and safeguarding legacy goals—making proactive LTC planning a vital part of wealth management.
3 minutes read
Understanding Premium Financing: A Strategic Approach to Wealth Building
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…
How and Why Wealthy Families Use Life Insurance
Many people think about life insurance as financial protection against premature death. The death benefit to be paid is a replacement for lost income and helps keep the family going.
But most affluent families aren’t overly concerned with income replacement. Instead, wealthy families use life insurance to protect assets because of the specific tax benefits and ROI it can provide.
2 minutes read
Holistic Planning: Integrating Insurance Products for Better Outcomes in Retirement
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…
5 minutes read
Income Strategies for Retiring Executives
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…
5 minutes read
Reconsidering Life Insurance
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…