Professional Employer Organizations (PEOs) can be helpful. They simplify payroll, HR, benefits administration, and compliance, especially for growing companies. Because of that convenience, many business owners assume it also makes sense to use the PEO’s bundled 401(k). In practice, that’s often a mistake. A retirement plan is a long-term commitment
I review a lot of 401(k) plans for business owners. And here’s the truth most people don’t want to hear:Most of them are technically “fine.”They pass compliance tests. Contributions go in. Statements go out. But financially?They’re often inefficient, outdated, and quietly costing owners tens—or even hundreds—of thousands of dollars over
Most wealthy individuals invest in real estate for one primary reason: taxes. And to be clear, that logic isn’t flawed. Real estate can be an extremely effective tax-planning tool. Depreciation, income deferral, and long-term capital gains treatment can meaningfully improve after-tax outcomes when structured properly. The issue isn’t that people
Hybrid securities occupy a space between traditional stocks and bonds. These investments combine income producing features of debt with the growth potential of equity. Companies issue hybrid securities to raise capital while maintaining financial flexibility. Common Types: Preferred Stock & Convertible Bonds Preferred stock represents one of the most common
If you’re thinking about selling your business in 2026, the decisions you make before you go to market will matter far more than the deal terms themselves. For most of my career, I’ve helped business owners exit their companies and transition into the next chapter of their lives. More recently,
Financial markets produce a constant stream of headlines that react to daily price movements, economic data, and global events. News cycles and social media amplify this information, creating a sense of urgency that can feel difficult to ignore. However, short term market noise rarely provides useful insight for investors with
Choosing where to hold short term cash plays a critical role in financial planning. High yield savings accounts, certificates of deposit, and money market funds all offer ways to earn interest while prioritizing capital preservation. Each option serves a distinct purpose. The Big Three: HYSA vs. CD vs. Money Market
Scroll YouTube, TikTok, or Instagram long enough and you’ll find hundreds of videos confidently telling you that you don’t need a financial advisor. After 13 years as a financial advisor, working with everyone from recent graduates to retirees worth $50 million, I can tell you something important: Sometimes they’re right.
“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
Download the Full Q4 2025 Market Report (PDF) As we close out 2025, it is worth pausing to celebrate another strong year of performance and take a moment to realize how unusual this year truly was. I would encourage you to quickly glance at the annual market return slide-deck below