Many investors focus on 401(k)s and IRAs, but one of the most tax-efficient tools often gets overlooked. Health Savings Accounts (HSAs) are commonly viewed as a short-term healthcare spending account, but that undersells their true potential. When used strategically, an HSA can function as a stealth retirement account with unique advantages that few other accounts can match ...
With two kids currently in college and my third about to be, I think a lot about school and all the long hours and hard work needed to accomplish their goals. School, like most worthwhile pursuits, demands discipline. And honestly, it’s not that different from investing ...
From phishing emails and text scams to AI-generated impersonation schemes, today's criminals use sophisticated technology and psychological tactics to exploit trust, create urgency, and gain access to sensitive information. A single click, compromised password, or convincing phone call can lead to significant financial and emotional consequences ...
I recently attended a conference in Washington, D.C., alongside a group of women from across the financial planning industry, each with different roles, backgrounds, and client experiences. As stories were shared about planning techniques and client situations, my biggest takeaway wasn’t found in the technical details. It came from the idea of challenging the role individuals play in their financial life ...
Like much of the world, you may have spent a whole weekend watching the winner of The Masters Tournament slip on the green jacket and take home millions of dollars in prize money. But just a few miles away, thousands of homeowners in Augusta, Georgia may be having an even more tax-efficient week, quietly earning income that the IRS never sees ...
April Fools! Here’s the spoiler: We have not cracked the code on market timing. And most importantly, neither has anyone else. While that may sound like an April Fools’ reveal, it’s actually one of the most important investment truths we can share. The idea that someone can consistently predict when to get in and out of the market (whether based on headlines, forecasts, or intuition) is not supported by evidence. What the data shows, time and again, is that market timing is unreliable at best, and harmful at most often.