Authored by: Nicholas M. Brown, CFA, CFP® Investors are navigating a unique economic landscape today, characterized by declining interest rates alongside a yield curve that seems to be shifting from an inverted state to a more typical configuration. It's a much different environment than even just 12 months ago. Understanding the dynamics of this environment and its implications for different asset…

Authored by: Brian W. Sak, CFP®, CLU®, ChFC® In a significant update for estate planning and wealth management, the Internal Revenue Service (IRS) has announced an increase in the estate and gift tax exemption for 2025. The exemption amount will rise to $13.99 million per person, up from $13.61 million in 2024. Additionally, the annual exclusion gift limit will rise to $19,000 per individual up from…

Contributed by: Tom Kelley, MBA In the dynamic world of business, preparing for succession or sale demands a meticulous approach, with business valuation standing out as a critical component. Accurately valuing your business not only sets realistic expectations but also lays the foundation for a successful transition. Here, we review the importance of accurate business valuation and explore key principles…

Contributed by: Austin Manning, CFP® In today's rapidly changing political climate, high net worth individuals and investors face unique challenges when it comes to preserving wealth. The strategies outlined below are potential financial planning and wealth management solutions to safeguard assets amidst uncertainty. Proper Diversification of Asset Classes Diversification is a fundamental strategy…

Contributed by: Nicholas E. Gonzalez, CEPA®, CRPS®, CDMA® For business owners contemplating their next steps, understanding and evaluating exit options is crucial. This article explores the fundamentals of exit options analysis, emphasizing its significance and exploring the two primary categories for private ownership transitions: "inside" and "outside" strategies. The Essence of Exit Options Analysis Exit…

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…

Contributed by: Pijus Bulvinas, CFP® In today's rapidly changing economic landscape, financial education has become more critical than ever for the next generation. With challenges such as rising student loans, economic uncertainty, and an increasingly complex financial world, it is imperative for young people to develop a strong foundation of financial literacy early on. By equipping children and…

Contributed by: Caleb Christian, CFP®, CLU®, ChFC® In the dynamic world of entrepreneurship, the resilience of your business is just as crucial as its growth. Business continuity planning (BCP) is an essential strategy that ensures your business can weather unforeseen disruptions. For entrepreneurs and small business owners, a robust business continuity plan is not just a safeguard—it's a strategic…

Contributed by: Dale Shaw, CFP®, RICP® In the world of wealth management and tax strategy, the art of giving is not only a philanthropic endeavor, but also a sophisticated approach to tax optimization. For affluent individuals, financial planners, and tax professionals, understanding the nuances of charitable deductions can significantly impact tax liabilities. This article discusses advanced strategies…