Ask an Advisor: We’re in our late 50s and plan to retire in the next several years, but most of our savings is in the market. How do we protect our wealth from a downturn this close to retirement? The risk you’re describing has a name: sequence-of-returns risk. It’s one of the biggest risks facing […]

Ask an Advisor: My husband and I are in our mid-50s and hope to retire in about ten years. What should our tax planning look like as we approach retirement? Such a great question, and an important one that often goes unasked because most of us focus too much on the investment performance side. Most […]

Ask an Advisor: The Hidden Tax Problem With Maxing Out Your 401(k) as a Top Earner You’ve worked hard to get here. A high income, a growing portfolio, and the discipline to max out your 401(k) every year. By most measures, you’re doing everything right. But here’s a question worth sitting with: do you actually […]

Ask an Advisor: How to Withdraw From Investment Accounts in Early Retirement (Without Overpaying Taxes) For successful professionals, business owners, and newly retired households, early retirement presents a valuable and often overlooked opportunity for advanced tax planning. After decades focused on wealth accumulation, the transition to retirement requires a shift toward tax-efficient portfolio withdrawals, income […]

Ask an Advisor: Is the 60/40 Portfolio Still Enough for Long‑Term Investors? The traditional 60/40 portfolio split (60% stocks and 40% bonds) has long been the standard asset allocation for long-term investing. For decades, this strategy has helped investors balance growth and stability, smooth out the impact of market volatility on their portfolio, and follow […]

Ask an Advisor: Tax-Efficient Gifting Strategies for High-Net-Worth Families Thoughtful gifting can be one of the most effective ways for high-net-worth families to reduce taxes, support loved ones during their lifetimes and advance philanthropic goals.   Use the Annual Gift Tax Exclusion Strategically The IRS allows an annual gift tax exclusion, which increases periodically for […]

Ask an Advisor: Should I Include Private Equity and Credit in My 401(k)? Private equity, credit, infrastructure, real assets, and other private investments have long been inaccessible for most average investors. In fact, for decades, these alternatives have been largely reserved for institutions and ultra-high-net-worth investors.  But in August 2025, an executive order opened the […]

Ask an Advisor: What does the One Big Beautiful Bill Act Means for Business Owners? Top Tax Takeaways The One Big Beautiful Bill Act (OBBBA) introduced several important tax law changes that will impact business owners. Understanding these updates can help you plan proactively and take full advantage of the available opportunities to reduce taxable […]

Ask an Advisor: Balancing Risk and Opportunity: Is Crypto Worth a Spot in Your Portfolio? If you’ve been working hard, carving out a successful career, and building wealth the old-fashioned way, talk of investing in cryptocurrency probably raises some red flags. The volatility, regulatory uncertainty, and stories of hacked exchanges don’t exactly inspire confidence. But […]