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Planning

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Trades Tariffs - The Good, The Bad, & The Ugly
5 minutes read

Trades Tariffs - The Good, The Bad, & The Ugly

Authored by: Nicholas M. Brown, CFA, CFP In their 2016 book War By Other Means, Robert Blackwill and Jennifer Harris argue that the United States has historically lagged in leveraging economic tools to achieve political objectives. That same year, the country elected a president who made economic policies—particularly trade tariffs—a central pillar of his foreign policy approach. As President Trump…
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The Role of Private Equity in Business Transitions
3 minutes read

The Role of Private Equity in Business Transitions

Contributed by: Tom Kelley, MBA For many business owners, transitioning a company—whether through sale, succession, or strategic restructuring—is one of the most significant milestones of their professional and financial lives. This process often involves navigating complex decisions about legacy, value realization, and future growth. Private equity (PE) can play a critical role in facilitating these…
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Tax Reform Under a Republican Led Congress and Presidency
6 minutes read

Tax Reform Under a Republican Led Congress and Presidency

Authored by: Brian W. Sak, CFP, CLU, ChFC With a Republican administration and Congress in power, potential tax reform measures could significantly impact high-net-worth individuals, small business owners, and corporate executives. While the specific proposals remain uncertain, historical legislative priorities offer insight into the possible changes on the horizon. This article explores the key areas…
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The Role of Trusts in Estate Planning
3 minutes read

The Role of Trusts in Estate Planning

Contributed by: Austin Manning, CFP Estate planning is an essential component of managing and preserving wealth, particularly for families, business owners, and executives with significant assets. Among the many tools available, trusts stand out as a versatile and effective way to protect, manage, and transfer wealth in alignment with your wishes. Understanding the role of trusts in estate planning…
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Planning for Intergenerational Wealth with Intentionality
3 minutes read

Planning for Intergenerational Wealth with Intentionality

Contributed by: Nicholas E. Gonzalez, CEPA, CRPS, CDMA For many families with significant wealth, creating a lasting legacy that benefits future generations is a paramount goal. Intergenerational wealth planning goes beyond simply transferring assets—it requires a thoughtful approach to ensure that your values, priorities, and financial strategies align to serve your family well over time. At Granite…
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Unlocking the Potential of 1031 Exchanges for Real Estate
5 minutes read

Unlocking the Potential of 1031 Exchanges for Real Estate

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…
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Investments

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Unlocking the Potential of 1031 Exchanges for Real Estate
5 minutes read

Unlocking the Potential of 1031 Exchanges for Real Estate

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…
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Planning for Educational Investments for Future Generations
3 minutes read

Planning for Educational Investments for Future Generations

Contributed by: Nicholas E. Gonzalez, CEPA, CRPS, CDMA Investing in the education of future generations is one of the most impactful legacies a family can create. For many affluent families, this means going beyond standard savings plans and exploring sophisticated strategies that ensure educational goals are met while maintaining financial stability. Granite Harbor Advisors understands the unique…
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Understanding Net Unrealized Appreciation (NUA) for Oil & Gas Executives 
5 minutes read

Understanding Net Unrealized Appreciation (NUA) for Oil & Gas Executives 

Contributed by: Tom Kelley, MBA As an executive in the oil and gas industry, particularly for leading companies like ConocoPhillips, Exxon, or BP, strategic financial planning is essential to managing your wealth effectively. One powerful tool that may be available to you is Net Unrealized Appreciation (NUA), a tax strategy that could significantly enhance your retirement distribution plans. In this…
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Navigating Rule 10b5-1 Trading Plans: A Detailed Guide
4 minutes read

Navigating Rule 10b5-1 Trading Plans: A Detailed Guide

Contributed by: Nicholas E. Gonzalez, CEPA®, CRPS® 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…
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The Power of Tax Diversified Investing: A Wealth Advisor's Perspective
4 minutes read

The Power of Tax Diversified Investing: A Wealth Advisor's Perspective

Contributed by: Caleb Christian CFP®, CLU®, ChFC® “In this world, nothing is certain except death and taxes.” This famous quote from Benjamin Franklin emphasizes an often-overlooked aspect of investing: tax diversification. While many investors focus on traditional diversification strategies—spreading their assets across various stocks, bonds, and asset classes—it’s equally important to consider ways…
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Understanding the 83(b) Election: A Strategic Tax Move for Business Leaders
4 minutes read

Understanding the 83(b) Election: A Strategic Tax Move for Business Leaders

Contributed by: Nicholas E. Gonzalez, CEPA®, CRPS® The 83(b) election is an essential tax planning strategy that can significantly impact the financial outcomes of business owners, C-suite executives, and founders. This article dives into the specifics of what an 83(b) election is, its tax implications, how it pertains to stock awards, when it should be considered, and the potential outcomes of making…
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Insurance

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Understanding the Risks and Benefits of Self Insurance
3 minutes read

Understanding the Risks and Benefits of Self Insurance

Contributed by: Caleb Christian, CFP, CLU, ChFC For successful individuals and business owners, self insurance can seem like an appealing alternative to traditional insurance. By taking on the financial responsibility of covering potential losses rather than transferring risk to an insurance provider, self insurance may offer greater control and cost savings—but it also comes with significant risks.…
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Understanding Life Settlement: Recognizing the market value of your life insurance
4 minutes read

Understanding Life Settlement: Recognizing the market value of your life insurance

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, policyholders should consider a life settlement. When used strategically as part of a comprehensive financial…
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How Annuities Can Transform Your RMD Strategy
4 minutes read

How Annuities Can Transform Your RMD Strategy

Authored by: Tom Kelley, MBA The SECURE 2.0 Act, signed into law in December 2022, introduced significant updates to retirement planning rules, including changes to required minimum distributions (RMDs). These adjustments offer retirees more flexibility to manage their savings effectively while opening new opportunities for incorporating annuities into retirement plans. Among these, annuities stand…
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The Importance of Life Insurance in Retirement Planning During the Great Wealth Transfer
7 minutes read

The Importance of Life Insurance in Retirement Planning During the Great Wealth Transfer

The “Great Wealth Transfer” refers to the monumental shift of wealth from the Baby Boomer generation to its heirs. Over the next few decades, an estimated $84 trillion will be transferred to younger generations. This unprecedented movement of assets presents opportunities, but also challenges, for families seeking to secure their financial futures through the seamless transfer of wealth from one generation…
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Using Life Insurance to Transfer Wealth

Using Life Insurance to Transfer Wealth

Using Life Insurance to Transfer Wealth Life insurance can be a useful tool to accomplish many different planning goals. Specifically, if you are investing for a purpose that extends beyond your lifetime, like preserving wealth for generations to come, then life insurance can be a very attractive investment vehicle. Download our infographic to see how a well-designed life insurance strategy can be a tax-efficient way to transfer wealth and protect your legacy.
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Unraveling the Secrets of Cash Value Life Insurance
3 minutes read

Unraveling the Secrets of Cash Value Life Insurance

Cash Value Life Insurance, also known as permanent life insurance, combines a death benefit with an investment component called the cash value. In a cash value life insurance policy, part of each premium you pay is allocated towards insuring your life, while the remaining portion is dedicated to building up a cash value. The cash value portion of your policy grows tax-deferred, and if structured properly,…
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