Financial planning

Insights and perspectives on financial planning and wealth management topics.

Financial planning content

Financial planning

Paying off a mortgage before retirement may be an important goal for many investors, potentially giving them greater flexibility and peace of mind in retirement. Here are three strategies to help clients understand their options for paying off a mortgage.
Financial planning

Learn how a down market could be an ideal opportunity for some investors to consider a Roth conversion to potentially lower taxes over the long run.
Financial planning

Learn how high-net worth individuals can support their favorite charities and generate an income stream for themselves or another beneficiary through the use of charitable remainder trusts.
Financial planning

Learn more about Social Security and factors everyone should consider as they decide when to start taking benefits.
Financial planning

Learn more about intrafamily loans and why they can be attractive alternatives to traditional gifting for ultra-high-net worth families wishing to help younger generations make a purchase or invest for the future.
Financial planning

When looking to transfer large amounts of assets to future generations, consider selling assets to an intentionally defective grantor trust (IDGT) to potentially create greater tax savings than other gifting strategies.
Financial planning

Most investors have heard about risk tolerance, but when they need to withdraw from growth or savings to support a lifestyle liquidity shortfall, another factor to be mindful of is risk capacity. Learn more about how to determine risk capacity when constructing portfolios.
Financial planning

If your clients own company stock in a qualified employer-sponsored retirement plan – like a 401(k) or employee stock ownership plan (ESOP) – and they’re at least 59 ½ or separated from the employer, the Net Unrealized Appreciation (NUA) tax rules may save them money.
Financial planning

Learn more about the 4% rule, a popular method for investors that could potentially produce retirement income from their portfolio to increase their probability of not outliving their money.

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