Financial Planning
Teaching Generosity to Kids
When people think about the legacy they hope to leave, they often think about passing down financial security, family traditions, or cherished memories. Yet one of the most meaningful legacies we hear our clients talk about is raising children and grandchildren who are generous with their time, talents, and treasure. We are told in Proverbs…
How Charitable Planning Can Create More Impact and More Clarity
Many families we work with are generous by nature. They give to their church, support ministries, respond to needs in their community, help friends raise support, and make year-end gifts to organizations they care about. That kind of generosity is good. But over time, some families begin asking a deeper question: Are we giving in…
Why High Earners Still Need a Financial Plan
IT’S NOT ABOUT EARNINGS You’re a type A personality. You worked hard in college and entered a lucrative career. You have a great work ethic and even greater earnings potential. So, there’s no need to make a financial plan, right? Not exactly. A bigger paycheck doesn’t guarantee success. No matter how many zeros are behind…
Mid-Year Tax Planning: Creating Opportunities Before Year-End
A few years ago, we worked with a client who was surprised to learn that a portion of his Social Security benefits became taxable at the state level. The issue wasn’t a major mistake or an unusual transaction. In fact, his income simply ended up slightly above New Mexico’s income threshold for exempting Social Security…
Why Bonds Deserve a Second Look
For years, bonds were the forgotten corner of investing. When interest rates sat near historic lows, many investors understandably focused their attention on stocks. Growth opportunities felt abundant, and bonds often seemed… boring. But in today’s environment of elevated inflation and higher interest rates, bonds are becoming attractive again, not because they’re exciting, but because…