When we talk about rebalancing a portfolio, one of the first questions we often hear is, “Do you think the market is about to go down?” The answer is usually much less exciting. We have no idea. Rebalancing isn’t a…
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Day Trading Might Cost You More Than You Think
There are few things more tempting than watching someone on social media make day trading look effortless. A few clicks. A few lucky trades. Screenshots of huge gains. It can seem like anyone with a trading app and enough confidence…
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Cash Balance Plans Explained: How High Earners Can Save More for Retirement
Maxing out your 401(k) can feel like a major retirement milestone…until you realize you’d still like to save more and potentially reduce a sizable tax bill. For high earners, business owners, and professionals, a cash balance plan can open the…
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“With or Without You”: Can Your Retirement Plan Stand on Its Own?
As summer continues, so does our series exploring timeless financial lessons inspired by some of the biggest hits of the 1980s. If you’re in your 50s or 60s, these songs probably bring back more than just great memories; they remind…
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5 Beneficiary Designations You Should Have
Most people know they need a will, but far fewer realize that beneficiary designations often control where money actually goes. That means if your designations are outdated, missing, or incomplete, your assets may not pass the way you intended. It’s…
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How to Protect Digital Assets in an Estate Plan
For many high-net-worth families, estate planning conversations center around tangible and financial assets: investment portfolios, real estate, and business interests. Yet an increasingly significant portion of a client’s life now exists in a place traditional planning often overlooks: the digital…
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RMD Rules for Trusts Inheriting an IRA: Timing Is Everything
By now, you’ve learned that when a trust inherits an IRA, several layers of rules come into play — from see-through status to trust type and beneficiary class. The final big piece is understanding Required Minimum Distributions (RMDs) and how they differ…
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