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 […]

Ask an Advisor: High-Net-Worth Tax Planning After the One Big Beautiful Bill Act: What Smart Moves Should I Consider Now? The expiration of many provisions of the 2017 Tax Cuts and Jobs Act (TCJA) at the end of 2025 created significant uncertainty for high-income taxpayers. The passage of the One Big Beautiful Bill Act (OBBBA) […]

Ask an Advisor: I’ve heard there are ways I can use my business to start saving for my kids. What is the best way to do this? That’s smart thinking! It takes true entrepreneurial spirit to see your business not only as a vehicle for your own success, but also as a way to give […]