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Donor advised funds (DAFs) empower individuals and families to manage their charitable giving in a streamlined, flexible way. This control allows a giving plan to develop and change over time, while the assets themselves can continue to grow. Depending on who provides the structure of the DAF, there may also be benefits in due diligence …

Donor Advised Funds (DAF): A Powerful Tool for a New Generation of Giving Read More »

Employee stock options have increasingly become a piece of total compensation over the last few years, particularly for people employed in high-growth industries such as technology-related sectors. But what happens if a slowing growth picture results in your firm downsizing? With all the other things to worry about when your primary source of income goes …

Managing Your Stock Options After A Layoff Read More »

Saving for retirement should be part of every stage of your work life, from your first job to your last years before retirement. A 401(k) or other similar employer-sponsored, tax-advantaged retirement savings vehicle is, for many people, the core piece of their retirement nest egg. The sooner you start, the better; however, as you move …

National 401(k) Day Is September 6: Are You on Track? Read More »

After a steep rate hike cycle in which the Fed raised rates eleven times between March of 2022 and July of 2023, for a total increase of 5.00%, rates have been on hold for the last six FOMC meetings as the Fed has assessed the success of the fight against inflation. With that battle likely …

Recalibrate Your Portfolio for a New Interest Rate Cycle Read More »

Managing Through an Unexpected Job Transition Getting laid off from a job upends almost every aspect of your world. Besides the financial impact, there may be emotional, psychological, social, and even physical implications. The goal is to turn a loss into a successful transition to the next stage of your career. Having this happen as …

You Lost Your Job. Here’s What You Do Now! Read More »

Seniors & Financial Scams As a Gen X Sandwich Generationer, I understand the crucial role we play in our families’ lives. We are not just raising our own children but also guiding our Boomer parents through the challenges of aging, including the threat of financial scams. There’s a lot to think about, plan for, and …

Seniors & Financial Scams Read More »

529 Plans and SECURE 2.0: More Flexibility   The cost of college has skyrocketed, and it raises the question of whether the cost/benefit assumptions of a college education should be revisited. The Federal Reserve did just that, with a web feature called “The Labor Market for Recent College Graduates.” This is an interactive, consistently updated …

529 Plans and SECURE 2.0: More Flexibility Read More »

https://youtu.be/y_-_kBtK7CE Mark Struthers, a Certified Retirement Counselor, hosts the Healthy and Wealthy Retirement YouTube channel, focusing on holistic aspects of retirement beyond finances, including social, physical, and emotional wellbeing. In a recent video, he discusses the impending expiration of the Tax Cuts and Jobs Act (TCJA), set for 2026, and the impact of its sunsetting …

TCJA Sunset Follow-Up – Gifting – Thoughts From The IWI Conf Read More »