“Generational wealth” is one of the most overused phrases in personal finance. Someone receives an inheritance from a grandparent, and suddenly it’s labeled generational wealth. But if we are being precise, most inheritances don’t qualify. The data consistently shows that the average inheritance lasts only one to two generations. That
The fourth quarter of 2025 delivered strong results, with most markets posting gains. International Developed markets led the way, returning 5.20%, followed by Emerging markets at 4.73%. The U.S. Stock market gained 2.4%, while the U.S. Bond market rose 1.10% and the Global Bond market (ex-U.S.) increased 0.52%. The Global
Many people consider annuities as a way to generate steady income during retirement. A $500,000 annuity can provide predictable monthly payments, but the exact amount depends on several factors. Understanding how annuities work and evaluating whether they match your financial goals is essential before making a decision. How Annuities Work
Investors often face a common question when they have money ready to invest. Should they invest all at once or spread the investment over time. Both approaches can help build wealth, but each works best in different situations. Understanding how they compare can help you make a confident and informed
January offers a natural reset. A new year creates momentum, and the financial habits you build now can shape your progress for the rest of 2026 and beyond. Strong financial habits do not require drastic changes. They require consistency, intention, and a clear plan. Here are the best financial habits
One lesser-known tax strategy allows you to rent out your personal residence without reporting the income. Commonly called the “Augusta Rule” or “Masters Exemption”, this provision lets you rent your home for a limited number of days each year without recognizing the rental income on your individual tax return. Section
A Health Savings Account, or HSA, offers families more than just a way to pay for medical expenses. With the right strategy, it can become a powerful tool for long-term wealth building. Many people think of an HSA only as a healthcare account, but it also provides unique tax advantages
“What happens to my investments if the world goes sideways?” That’s what Mary asked me last week, right after she finished running a client’s therapy session and doom-scrolling through her three-page news feed. The headlines were bleak, and like many smart investors, she wanted to know what to do when
The 3rd quarter of 2025 delivered strong performance across global stock markets, with Emerging Market Stocks leading the gains at 10.64%, followed by U.S. Stocks at 8.18%, International Developed Stocks at 5.33%, Global Real Estate at 4.22%, the U.S. Bond Market at 2.03%, and the Global Bond Market at 0.49%.
Buying a new home marks one of the biggest financial decisions you will ever make. While the process can feel exciting, it also requires a clear understanding of your financial situation. Many buyers begin house hunting without a solid grasp of how much they can truly afford. If you want