I’ve heard from a few (very informed!) clients about the new federal tax credit that is proposed for 2027. Here is what we know thus far. In early October 2026, the Department of Treasury and the IRS proposed regulations to implement the new Federal Scholarship Tax Credit, commonly referred to as the Education Freedom Tax […]

I talked with a client about the annual adjustment to social security this week – let’s take a look. Every year, the Social Security Administration (SSA) announces an inflation adjustment for social security benefits. This allows for the retirement/disability benefits being paid to 76 million Americans to keep pace with inflation. Last week, the SSA […]

Perhaps it is the time of year – leaves start to change, daylight hours decline, and the calendar starts to feel as though it’s on fast-forward as we approach the end of another year. Whatever the reasons, this is the time of year clients start to “check in” on what needs to be taken care […]

I was talking with a client a few weeks ago about cash flow and a few other items, and he brought up frustration over taxes – namely that he always ends up having to pay in a large amount upon filing his return in April. I had a feeling this might be a more common […]

For many investors, a key element of their investment portfolio is their employer sponsored retirement plan (called a 401k, 403b, etc – depending on your employer type). These plans allow for automated savings via payroll withholdings, come with a preset menu of investments, and often include an employer match – making them very popular with […]

Trump Accounts, another savings vehicle available to Americans, is now up and running and ready for use. Given its political tenor, many have steered clear or are confused as to its purpose. A client asked about them this week and as with anything available to investors, it’s worth understanding better before moving forward According to […]

I talked with a client this week about the various social security claiming strategies. It’s an important question for everyone to consider so let’s take a closer look. Social security is a US federal insurance program funded by payroll taxes. It provides guaranteed, inflation-adjusted monthly income to eligible retirees, as well as disabled workers and […]

There are certain questions I receive quite frequently given my profession. One of the most popular goes something like this “So, I read an article that the market is going to crash in the next year. What do you think I should do?” I had someone ask this question again recently and thought it was […]

I talked with two clients this week about the pros/cons of funding purchases. I wrote about a similar topic a little while ago (the decision to finance or pay cash here). This time, the questions center more around what type of account to pull cash from – a pre-tax retirement account or a non-retirement/brokerage account. […]

This week’s question came to me from a client who was in the market for a new car and asked for some advice. After a very lengthy discussion about car financing and negotiating (I LOVE this topic so I had a lot to say, as always haha!), she asked a final question. If I have […]