Plan for America’s Growing National Debt Crisis
The United States is on an unsustainable fiscal trajectory. As of mid-2025, the national debt has surged past $36 trillion, representing over 120% of the country’s gross domestic product (GDP). The interest payments alone are [...]
The SALT Tax: History, Debate & Financial Impact
Proper planning can help mitigate the cap and optimize overall tax efficiency. As a financial advisor, one of the more frequently misunderstood aspects of tax planning is the “SALT” deduction – short for State [...]
Planning for a Longer Retirement is a Must-Do
Conduct a Thorough Longevity Risk Assessment Using Modern Planning Tools. Perhaps the most daunting challenge facing today’s retirees is longevity risk – the possibility that retirement savings will be depleted while the retiree is [...]
Living Your Retirement Life
Retirement Readiness: Flexibility, Resilience, and Risk Protection. Today’s retirees face a retirement landscape that looks markedly different from previous generations. Longer lifespans, fluctuating markets, rising healthcare costs, and evolving lifestyle expectations have introduced new [...]
Implications of the U.S. Credit Rating Downgrade
More of a signal about long-term fiscal challenges, not an immediate worry. The recent downgrade of U.S. sovereign debt by Moody’s marks a significant moment in American financial history. For the first time, all [...]
Tax-Loss Harvesting Amid Volatility
Recent market volatility can understandably spark anxiety among investors. However, seasoned investors and financial professionals recognize these moments as opportunities to strategically manage taxes. One such strategy is tax-loss harvesting – a tactic designed to [...]
Tariffs, Trade Wars and Guacamole
Avocados have transformed from a niche fruit into a staple of the American diet, reflecting broader economic and trade dynamics. For investors and consumers alike, the avocado economy serves as a compelling case study in [...]
Is the S&P 500 Really Just a Technology Fund?
Still a strong investment tool, but its growing tech weight presents a challenge. For decades, the S&P 500 Index has been considered the gold standard for broad market exposure. Investors have relied on it for [...]