Market Insights
Investments: Why the Dollar Left Gold For much of our nation’s history, the value of the U.S. dollar was actually tied to something… gold. This seems hard to believe, especially for younger generations, as for decades now we have lived in a society that cherishes fiat currency, or a government-issued currency that is not backed […]
What Happens to Your ESOP When You Retire? NUA vs. IRA Rollover
What happens to your ESOP when you retire? For employees approaching retirement, deciding whether to roll an ESOP into an IRA, use Net Unrealized Appreciation (NUA), or diversify employer stock can have significant tax and retirement-planning implications. Learn how ESOP distributions, NUA strategies, IRA rollovers, and privately held company stock can fit into a more tax-aware retirement strategy.
Market Insights
Investments: The Rise of the 401(k) Investor Americans’ retirement savings have become increasingly tied to the fate of the stock market. Workers across nearly every age group are investing large portions of their 401(k)s and other employer-sponsored retirement plans in stocks. According to Vanguard data reported by The Wall Street Journal, workers in their late […]
Market Insights
Investments: Is 2% Inflation Still Attainable? Just when it looked like there was a good chance the Federal Reserve would hold rates steady, ongoing tensions in Iran and persistent inflation have put pressure on the Fed to raise interest rates. According to the CME Group Fed Watch tool, the odds are about 50/50 on a […]
IRMAA & Roth Conversions : How Medicare Surcharges Affect Your Retirement Income Plan
When implementing Roth conversions, it is important to keep in mind that doing so could impact your Medicare premiums, even before age 65. This is through something called IRMAA, or Income-Related Monthly Adjustment Amount. Realizing additional income could push you into the next 2026 IRMAA bracket and thus increase your Medicare Part B and D […]
Market Insights
Investments: Bond Backlash A lot has happened over the past week in bond markets. Earlier in the week, long-term bond yields, particularly 10-year and 30-year treasury bonds, had been steadily rising to levels not seen since before the Great Financial Crisis in 2008. Much of this rise can be attributed to factors such as the […]
Market Insights
Investments: Dire Situation The rise of artificial intelligence has carried markets to record heights since the downturn of 2022. Along the way, it has also generated extraordinary returns for a handful of investors and hedge funds. One example is Situational Awareness, a grandiose AI-focused hedge fund led by 24-year-old former OpenAI employee Leopold Aschenbrenner. The […]
Market Insights
Investments: Cash Flow Dried Up? Almost seven months into 2026, investors have certainly experienced an up and down year so far. The S&P 500 continues to shrug off fears associated with the war in Iran, as the market has continued to march higher since early April. Even though inflation has been rising, the main factor […]
Planning for a Business Exit: How to Maximize Value, Gain Clarity, and Exit on Your Terms
Many business owners see their company as much more than a source of income. It represents years of sacrifice, hard work, risk, and perseverance. It’s typically the largest asset they own, and their primary source of financial security for the future. Despite its importance, many business owners spend far more time planning for and enjoying […]
Market Insights
Investments: Earnings Continue to Soar As we begin the third quarter of 2026, the stock market continues to climb higher amidst war in Iran and a gridlock in the Strait of Hormuz. So, how is the market still reaching all time highs? There are a lot of reasons why, but the biggest reason is, wait […]