Wealth Planning Articles on fathom

Wealth PlanningDecember 6, 2022

Healthcare Options in Retirement

By Thomas Bartling
Associate in Wealth Management

In this article, we discuss the healthcare options available to you in retirement, specifically if you are not yet eligible for Medicare. While costs may be rising, there are options available for you to consider, based on your personal situation. more >

Wealth PlanningNovember 22, 2022

Year-End Tax Considerations

By Christopher Murray
Practice Leader in Tax Services, Partner

For many investors, 2022 has been a year to forget. But there could be an upside to the downturn, particularly if you’re looking to reduce your tax burden. As year-end approaches, there are several tax-planning considerations to take into account. more >

Wealth PlanningSeptember 15, 2022

Managing Lock-Up Periods

By Lorraine Fox
Director in Wealth Management, Partner

During volatile markets, managing equity compensation during a lock-up period can be particularly stressful. The key is to plan ahead. Read some tips to managing your options during calm and crazy markets. more >

Wealth PlanningAugust 10, 2022

12 Long-Term Financial Planning Questions

By Aspiriant News
Leading Independent Wealth Management Firm

When we talk to clients about their money, certain questions pop up again and again. Find out what we generally say, depending on each client’s personal situation. more >

Wealth PlanningJuly 22, 2022

Aging Wisely: Stay put or move on?

By Matthew Sharp
Manager in Wealth Management

We all need to plan for where we’ll live and who will help take care for us in our later years. But there’s a lot to consider when making decisions. Learn about the pros and cons of different senior housing options. more >

Wealth PlanningJune 9, 2022

Life After Your Family Business

By Mary Ellen Krueger
Director in Wealth Management, Partner

Have you envisioned what your life will look like after you’ve transitioned from the family business? The emotional side needs succession planning too. more >

Wealth PlanningJune 3, 2022

Series I Bonds: A Bright Side of Higher Interest Rates

By Michael Weissman
Director in Wealth Management, Partner

During these days of rising inflation and interest rates, federal Series I bonds are a good savings option. Learn what they are and how they can hedge against inflation. more >

Wealth PlanningMay 16, 2022

Financial Wellness for Women: A 7-Step Guide

By Natalie Morrella
Director in Wealth Management, Partner

It’s important that women feel confident and capable of making the financial decisions for their own, as well as their family’s, financial well-being. Find out how to get started. more >

Wealth PlanningApril 13, 2022

A Woman’s Financial Guide to Successful Career Transitions

By Lorraine Fox
Director in Wealth Management, Partner

Women going through career transitions have plenty to think about. A solid financial plan can ease the burden. Learn about stock compensation, 10b5-1 plans and serving on boards. more >

Wealth PlanningMarch 25, 2022

Financial Tips for the Self-Employed

By Michelle Eversman
Director in Wealth Management, Partner

If the next chapter of your life includes serving on boards, consulting or otherwise being self-employed, find out what you need to be thinking of to make your new business venture a success. more >

Wealth PlanningMarch 3, 2022

Financial Planning Considerations for Children with Disabilities

By Lina Sanchez
Senior Associate in Wealth Management

Raising a child with disabilities can be rewarding, but it comes with many special challenges. Learn what steps you can take, and what not to do, to maintain their care and quality lifestyle. more >

Wealth PlanningFebruary 11, 2022

7 Principles of Wealth Management: A Guide for Making Successful Financial Decisions

By Sandi Bragar
Chief Client Officer, Partner

A solid foundation of basic wealth management knowledge and a clear vision of what you’d like to achieve helps stave off fear and keeps you on track to financial success. more >

Wealth PlanningJanuary 21, 2022

What To Do When A Spouse Dies: A Financial Planning Checklist

By Talia Pierluissi
Director in Wealth Management, Partner

The death of a partner is a tremendously difficult time. Keeping up with financial affairs can be overwhelming. Find out what you need to do right away and what can wait until later. more >

Wealth PlanningJanuary 12, 2022

Financial Planning for Baby: 4 Tips

By Teresa Greenip
Manager in Wealth Management

A new baby can be overwhelming with all the things you need to do. But financial matters shouldn’t be cast aside. Here are four tips to help save you money and precious time. more >

Wealth PlanningDecember 3, 2021

10 Year-End Financial Things to Do

By Tom Tracy
Managing Director in Planning Strategy & Research, Partner

As you get ready for a new year, think about what’s changed for you and any new life events you may face in 2022. Then take some of these steps to get your financial house in order. more >

Wealth PlanningOctober 28, 2021

What to Know When Choosing a Student Loan

By Jordan Overby
Director in Wealth Management, Partner

College is a significant expense for families, and most students need some help paying for it. Understand your financing options and find out what to ask private lenders. more >

Wealth PlanningOctober 8, 2021

4 Ways to Transfer Wealth to Children

By Randy Rae
Manager in Investment Advisory

Giving a child a head-start in life requires careful financial planning to achieve both your and the child’s future goals. Here are four common strategies to pass down wealth to children in a meaningful way. more >

Wealth PlanningOctober 1, 2021

Estate Planning 101: Back to Basics

By Lisa Colletti
Managing Director in Exclusive Family Office, Partner

Without an estate plan, your assets will be left to a list of your heirs determined by state law, and the courts will decide who cares for your minor children. Find out what documents you need to assure your end-of-life wishes are met. more >

Wealth PlanningSeptember 28, 2021

Estate Taxes: Gone Today, Here Tomorrow?

By Clay Stevens
Director in Strategic Planning, Partner

The Tax Cut and Jobs Act doubled the amount a taxpayer can transfer without gift, estate or generation-skipping transfer taxes. But that doesn’t mean you should forget about estate planning. See six considerations to discuss with a wealth manager. more >

Wealth PlanningSeptember 22, 2021

Understand Qualified Small Business Stock

By Cliff Loh
Director in Wealth Management, Partner

QSBS can be a powerful way for small-business shareholders to save on capital gain taxes. But you need to know the rules and risks. Discover wealth planning strategies for your QSBS. more >

Wealth PlanningSeptember 17, 2021

Back to School: Financial Literacy 201

By Aspiriant News
Leading Independent Wealth Management Firm

If you’d like to take your financial knowledge to the next level and help your kids understand money, then try reading one of these five books recommended by Aspiriant wealth managers. more >

Wealth PlanningSeptember 8, 2021

8 Tips to Avoid Household Employee Pitfalls

By Ginny King
Director in Wealth Management, Partner

As a family’s wealth slowly builds, so can their household staff. We talked to a household staff advisor for best practices to avoid costly management headaches and legal complications. more >

Wealth PlanningAugust 6, 2021

Considerations When Valuing Estate Assets

By Dominique Tauzin
Director in Strategic Planning

Your collectibles and other valuable assets could have a significant impact on your estate taxes after you pass. Learn how to carefully review and value personal belongings when managing an estate. more >

Wealth PlanningJuly 20, 2021

The Tax Benefits of Charitable Giving

By Ginny King
Director in Wealth Management, Partner

There are many ways to support the causes we care about most, beyond simply giving our wealth. Learn about tax benefits and strategies to make the most of your philanthropy. more >

Wealth PlanningJuly 8, 2021

Key Questions to Keeping a Home in the Family

By Randy Rae
Manager in Investment Advisory

Passing a special home to future generations requires a lot of forethought and planning. Be sure to discuss these questions with your family so it continues to be a happy place for years. more >

Wealth PlanningJune 28, 2021

Know Your Life Options with Stock Options

By Greg Schick
Director in Wealth Management, Partner

Stock options can be a great boon for wealth creation. Understand how stock options work and how they can fit into your greater financial plan. more >

Wealth PlanningJune 16, 2021

The Great Value of Father/Daughter Chats About Money

By John Collins
Director in Wealth Management, Partner

Fathers play a huge role in raising their daughters to be financially literate and independent. Taking advantage of special moments as they grow up makes the important conversations easy. more >

Wealth PlanningJune 10, 2021

Talking About Money: Where Do I Start?

By Cammie Doder
Chief Marketing Officer, Partner

We encourage people to talk about money with their family and friends to feel more comfortable when making financial decisions. Here are a few ways to get the sometimes tricky conversation started. more >

Wealth PlanningMay 26, 2021

4 Ways to Help Your Kid Become a Homeowner

By Sandi Bragar
Chief Client Officer, Partner

Many parents would like to assist their children with buying a home. Learn about various strategies you can employ to help them literally get their foot through the door. more >

Wealth PlanningMay 7, 2021

Clean Out Your Money Scripts

By Cammie Doder
Chief Marketing Officer, Partner

Money scripts are unconscious beliefs or values you pick up from family, friends and life experiences that drive your attitudes and behaviors. As part of your spring cleaning, get rid of the scripts that aren’t serving you and reorganize your financial future. more >

Wealth PlanningApril 8, 2021

What’s New in the Rescue Plan

By Tom Tracy
Managing Director in Planning Strategy & Research, Partner

In addition to providing larger stimulus checks to many people, the American Rescue Plan gives a big boost to families through Recovery Rebate qualifications and tax credits. It also provides further relief for the unemployed and those with discharged student debt. more >

Wealth PlanningMarch 30, 2021

When Is Enough Really Enough?

By Sandi Bragar
Chief Client Officer, Partner

Determining how much is enough to retire involves honest soul-searching, some visioning and then math. Here are three steps to help you figure out not just the quantity of assets you need, but the quality of life you envision. more >

Wealth PlanningMarch 23, 2021

Transferring Real Property: How to Avoid an Unexpected Tax Hike in California

By Dawn Baca
Senior Associate in Strategic Planning

Before you transfer real estate ownership in a California, be aware of what you can do … and how to do it right. Find out how Proposition 19 changed some of the property tax laws. more >

Wealth PlanningFebruary 26, 2021

Working in a Different State? Know Your Tax Liability

By Raymond Edwards
National Technical Tax Director, Partner

Have you been working in a state other than where you live during the pandemic? Then you may have to file income taxes in multiple states. Find out why and how it could affect you. more >

Wealth PlanningJanuary 28, 2021

Get a Fresh Start on Your Finances

By Aspiriant News
Leading Independent Wealth Management Firm

Aspiriant wealth managers offer a dozen tips on budgeting, taxes, saving, spending, managing income, protecting your assets and more to help you start the new year off right with your money. more >

Wealth PlanningJanuary 25, 2021

Highlights of the Latest COVID-19 Legislation

By Tom Tracy
Managing Director in Planning Strategy & Research, Partner

The latest economic stimulus legislation goes beyond extending some coronavirus-related financial relief measures. It adds other tax benefits for those impacted by natural disasters and more. more >

Wealth PlanningDecember 23, 2020

Choosing the Best Way to Give

By Aspiriant News
Leading Independent Wealth Management Firm

When you’re ready to start a long-term giving program, choosing the right philanthropic vehicle can feel challenging. Here’s how a family office team can walk you through the steps to leaving an impactful legacy. more >

Wealth PlanningDecember 4, 2020

How to Know When You’ve Outgrown Your Financial Advisor

By Lisa Colletti
Managing Director in Exclusive Family Office, Partner

If you’ve been working with a financial plan and building your wealth over the years, there may come a time when you’ll need a higher level of advisory service. See what that may look like. more >

Wealth PlanningNovember 2, 2020

Why You Should Designate Trusted Contacts

By Ami S. Aranha
Director in Wealth Management, Partner

Financial crimes are on the rise, and people with diminishing capacity or other vulnerabilities are the biggest targets. Designating a trusted contact today can help your financial advisors protect you from exploitation in the future. more >

Wealth PlanningOctober 23, 2020

SPACS: What They Are and Who’s Considering Them

By Randy Rae
Manager in Investment Advisory

Special purpose acquisition companies have become a popular way for companies to go public. Learn more about them to decide whether your firm should merge with a SPAC. more >

Wealth PlanningOctober 8, 2020

What to Do About Potential California Property Tax Changes

By Dawn Baca
Senior Associate in Strategic Planning

Two ballot measures would make some of the most sweeping changes to California property tax law in 42 years, if passed. Find out how they may affect property owners and what you can do to plan ahead. more >

Wealth PlanningOctober 1, 2020

6 Financial Tips for (F)Unemployment

By Nick Ruzette
Manager in Wealth Management

Unemployment can be a stressful time. But it’s much easier if you plan ahead. Learn what you need to do to take care of yourself financially while you move on to bigger and better things. more >

Wealth PlanningSeptember 24, 2020

The 2020 Election and Estate Planning

By Rachel Lee
Senior Associate in Strategic Planning

A change in the presidential administration may result in higher taxes for estates, property transferred at death and capital gains. Learn why it’s important to review your estate plan now. more >

Wealth PlanningSeptember 17, 2020

Goals-Based Investing for Women

By Linda Kitchens
Director in Wealth Management, Partner

A goals-based approach to wealth management considers where you currently are in your financial journey and where you ultimately want to go. Discover the four simple steps to getting there. more >

Wealth PlanningSeptember 4, 2020

A 5-Step Guide to Layered Savings

By Jason Shemtob
Director in Wealth Management, Partner

If you’re on a clear road for professional success, it’s essential that you begin planning for financial success. Find out how to set up a layered savings strategy and download our checklist to get started. more >

Wealth PlanningAugust 12, 2020

5 Steps for Divorce Planning

By Sandra Conners
Director in Wealth Management, Partner

No matter what stage your marriage is in, it's important to understand your personal financial situation. If it’s starting to look like the marriage is ending, thinking ahead and taking essential steps early can empower you to exit a divorce financially empowered. more >

Wealth PlanningJuly 17, 2020

Your Role as Future Family Business Leader

By Nathan S. Kublank
Director in Wealth Management, Partner

Taking actionable steps now to cultivate your leadership skills will ensure you become the leader who helps your family business beat the odds and continue to thrive long into the future. more >

Wealth PlanningJune 17, 2020

What the Pandemic Has Done to Loans

By Lydia Walz
Associate in Wealth Management

Interest rates are at an all-time low as the economy slumps during the pandemic. Find out what this means for your mortgage and loans to family and friends. more >

Wealth PlanningJune 8, 2020

Helping Your Community Heal

By Lisa Colletti
Managing Director in Exclusive Family Office, Partner

Many community groups have greater needs as a result of the pandemic, and the CARES Act encourages charitable giving. Learn tips on how to broaden your philanthropy with purpose. more >

Wealth PlanningMay 1, 2020

COVID-19 and 529 Plans

By Myles D Rush
Director in Wealth Management, Partner

Received a refund for college housing that you paid with your 529 plan? Learn what to do with it so you don’t pay taxes or penalties. more >

Wealth PlanningApril 23, 2020

When to Say “I Do” to a Prenup

A marital agreement is sometimes a thorny topic for an engaged couple. But setting expectations early can be a healthy way of tackling the often-taboo subject of money — laying the groundwork for a happy marriage. more >

Wealth PlanningApril 16, 2020

Estate Planning Opportunities During Down Markets

By Rachel Lee
Senior Associate in Strategic Planning

Although the coronavirus is turning the economy and markets sour at the moment, transferring assets at today’s reduced values means you could save on estate and gift taxes. more >

Wealth PlanningApril 9, 2020

The CARES Act and Small Businesses

By Raymond Edwards
National Technical Tax Director, Partner

In addition to helping individuals, the CARES Act aims to prop up the economy by sustaining small businesses through the coronavirus pandemic. Find out about loan programs and tax provisions in the law. more >

Wealth PlanningApril 2, 2020

CARES Act for Individuals

By Lisa Colletti
Managing Director in Exclusive Family Office, Partner

To help us through the coronavirus pandemic, the federal CARES Act brings financial relief in the areas of retirement savings, charitable contributions, direct payments, student loans, unemployment insurance and more. more >

Wealth PlanningMarch 24, 2020

9 Behavioral Risks to Investing

By Sandi Bragar
Chief Client Officer, Partner

During volatile markets, our emotions and biases can lead us to make unwise decisions that jeopardize a well-thought-out financial plan. Learn about common investing behaviors to avoid and how to stay calm. more >

Wealth PlanningMarch 13, 2020

Jargon Busting: Demystifying Investing

By Sandi Bragar
Chief Client Officer, Partner

During turbulent financial markets, it’s helpful to understand the industry lingo. Learn general investment and tax terms to help you be a more confidant investor. more >

Wealth PlanningMarch 3, 2020

You’ve Heard of the Prenup. What About a No-Nup?

By Lydia Walz
Associate in Wealth Management

When living with your significant other, financial matters are unavoidable. Equity, fairness and protecting your own personal interests are important areas to discuss. Learn how a cohabitation agreement can help set clear expectations. more >

Wealth PlanningFebruary 20, 2020

Why a Direct Listing Might Be a Good Idea

By Randy Rae
Manager in Investment Advisory

Direct listings of companies going public are on the rise. Find out if a direct listing is right for your firm and what it means for your shares. more >

Wealth PlanningFebruary 13, 2020

6 Groups Impacted by the SECURE Act

By Matthew Sharp
Manager in Wealth Management

The SECURE Act brings a lot of changes to the retirement landscape and beyond. Read about the special provisions to find out who benefits and who may pay additional taxes. more >

Wealth PlanningJanuary 21, 2020

Relationships When Women Inherit Wealth

By Sandi Bragar
Chief Client Officer, Partner

When a woman receives a large inheritance, it can have a big impact on her marriage. A doctoral candidate in clinical psychology who studied these relationship dynamics shares her findings and how couples with wealth can navigate challenges. more >

Wealth PlanningJanuary 8, 2020

15 Money-Smart Things to Do
for the New Year

By Aspiriant News
Leading Independent Wealth Management Firm

Our experts offer a range of financial tips to help you save money, minimize taxes and be more organized in 2020. more >

Wealth PlanningNovember 22, 2019

Wealth Transfer and the Gift Tax Exclusion

By Rachel Lee
Senior Associate in Strategic Planning

The gift tax exclusion can help you pass along your wealth to loved ones tax-free and reduce estate taxes. Learn about the different strategies you can use. more >

Wealth PlanningOctober 18, 2019

Wealth Planning Your Employee Benefits

By Jordan Overby
Director in Wealth Management, Partner

It’s open enrollment season. Understand the basics of employer-provided health care insurance and retirement savings plans so you can craft a benefit plan that aligns with your personal and financial needs. more >

Wealth PlanningOctober 2, 2019

Take Charge of Your Financial Journey

By Sandi Bragar
Chief Client Officer, Partner

When it comes to building and preserving wealth, women have unique strengths and challenges. Play up your strengths and overcome challenges by following these steps on your financial journey. more >

Wealth PlanningAugust 30, 2019

Family Business Succession Considerations

By Nathan S. Kublank
Director in Wealth Management, Partner

Often family business owners believe the company is their best long-term investment. But other factors need to be considered before transferring the company to the next generation. Learn how to evaluate the risks and rewards. more >

Wealth PlanningAugust 15, 2019

What To Do With RSUs

By Lorraine Fox
Director in Wealth Management, Partner

Restricted stock units are a popular way for tech companies and start-ups to compensate employees. Learn how to value them, their tax treatment and the potential consequences of holding too much. more >

Wealth PlanningAugust 1, 2019

How to Escape the Emotional Investing Trap

By Sandi Bragar
Chief Client Officer, Partner

The word “loss” is often used casually and imperfectly in the investment world. But in reality, a limited number of situations actually lead to true investment losses. Here are a few of the most common and ways to avoid them. more >

Wealth PlanningJuly 22, 2019

Reasonable Compensation & the Family Business

By Rachel Lee
Senior Associate in Strategic Planning

Employing family members is a natural part of a family business. But it must be done carefully to avoid a visit from the IRS. Here are some important guidelines to follow. more >

Wealth PlanningJune 19, 2019

Aspiriant’s Smart Summer Reading List

By Aspiriant News
Leading Independent Wealth Management Firm

This summer, read a good book (or listen to a podcast) to discover how money impacts our society, secrets to wealth, or how your emotions play into your financial decisions. Aspiriant advisors offer up 10 top reads. more >

Wealth PlanningJune 11, 2019

How to Become a Successful Philanthropist

By Ginny King
Director in Wealth Management, Partner

It’s easy to feel bombarded and obligated to donate to a wide range of charities. If you want to leave meaningful gifts, it’s best to write a philanthropic mission statement to guide your decisions. more >

Wealth PlanningMay 10, 2019

Money Tips for Kids

By Aspiriant News
Leading Independent Wealth Management Firm

Children learn best by witnessing people exemplify strong ethics and wise decision-making. That is especially true when it comes to financial management. This Mother’s Day, we asked two Aspiriant wealth managers how they talk to their kids about money. more >

Wealth PlanningApril 30, 2019

To Roth or Not to Roth

By Lorraine Fox
Director in Wealth Management, Partner

By paying taxes on income today, you can have tax-free earnings in retirement with a Roth 401(k). Find out why a Roth 401(k) may be a better savings option for employees with higher income. more >

Wealth PlanningApril 17, 2019

The True Meaning of Financial Freedom

By Sandi Bragar
Chief Client Officer, Partner

Having the power to make your own financial decisions, without being manipulated or victimized by another, is key to independence. Find out three ways education can help end financial abuse. more >

Wealth PlanningApril 11, 2019

Diversify Outside Your Family Business

By Mary Ellen Krueger
Director in Wealth Management, Partner

A private business is often a family’s largest single asset, leading to additional risks that concentrated wealth brings. Learn about four diversification strategies to sustain your wealth regardless of the company’s success. more >

Wealth PlanningFebruary 22, 2019

Mapping a Path to College Admission

By Jordan Overby
Director in Wealth Management, Partner

Getting into college isn’t as easy as it used to be. We spoke with a private college counselor for tips on how to navigate the tough terrain of the admissions process and financing. more >

Wealth PlanningJanuary 16, 2019

Big Disasters Leading to Higher Insurance Rates

By Lani Kapur
Director in Wealth Management, Partner

Catastrophic wildfires and hurricanes are leading to higher property insurance bills. Learn why and what you can do to keep costs down while maintaining good coverage for your exclusive home. more >

Wealth PlanningJanuary 9, 2019

New Year Resolution: Talk About Money

By Sandi Bragar
Chief Client Officer, Partner

This year, why not set a resolution that will have lasting benefits? Sandi Bragar offers tips on how to find your money mojo through conversation. more >

Wealth PlanningDecember 6, 2018

Guide to Renting vs. Buying

By Matthew Sharp
Manager in Wealth Management

Today’s young professionals are giving greater thought before deciding to invest in a home. Learn about current homeownership trends among millennials, as well as the pros and cons of renting and buying. more >

Wealth PlanningNovember 14, 2018

How to Raise Charitable Children

By Bradley A. Weber
Director in Wealth Management, Partner

When it comes to raising children with a giving mindset, it’s important to focus on teaching them empathy. Learn five tips from a client who specializes in helping families create successful giving plans. more >

Wealth PlanningNovember 9, 2018

Planning for Long-Term Care

By Gregory P. Fasig
Director in Wealth Management, Partner

As the way we receive care later in life is changing, so are our options for how to pay for it. Learn some of the current trends in financing elderly care and when you and your family should start planning. more >

Wealth PlanningOctober 15, 2018

All About the LLCs

By Aspiriant News
Leading Independent Wealth Management Firm

Limited liability companies offer several advantages to holding and protecting assets. But they require management and have additional costs. Learn about LLC basics, including the benefits and pitfalls of this special structure. more >

Wealth PlanningOctober 3, 2018

The Emotional Side of Money

By Sandi Bragar
Chief Client Officer, Partner

When crafting a wealth transfer plan, it’s important to know there are two sides of money: the intellectual side and the emotional side. Learn how tackling the emotional aspects first leads to a more satisfying plan for you and future generations. more >

Wealth PlanningSeptember 11, 2018

Know What Type of FA You’re Hiring

By Aspiriant News
Leading Independent Wealth Management Firm

The term “financial advisor” can mean many things. For young professionals who are just starting to plan for the long term, it’s important to know the significant differences between an RIA, broker-dealer and robo-advisor. more >

Wealth PlanningAugust 20, 2018

Using the New Tax Law for Your Child

By Jason Kiss
Director in Wealth Management, Partner

By hiring your child for chores around the home or to work at your family business, you can transfer assets and help them save more for their future, thanks to the new tax law. Learn how. more >

Wealth PlanningAugust 13, 2018

Setting a Wealth Transfer Framework

By Sandi Bragar
Chief Client Officer, Partner

Not having a wealth transfer plan is a plan in and of itself. You’re just allowing the government to implement one for you. Learn how a wealth transfer framework helps you plan with intention. more >

Wealth PlanningJuly 16, 2018

Rising Rates Make Cash More Interesting

By Randy Rae
Manager in Investment Advisory

With extremely low interest rates, investors were told for a long time to hold as little cash in money market accounts as possible. But as short-term interest rates rise, investors have more options to earn income. Randy Rae describes four cash options. more >

Wealth PlanningJune 28, 2018

When Does a Family Foundation Make Sense?

By Dawn Baca
Senior Associate in Strategic Planning

If you’d like your family to support charities in a significant, long-term way, consider a private family foundation. Learn the tax advantages, family benefits and legal requirements of this philanthropic financial structure. more >

Wealth PlanningJune 6, 2018

Avoid Accusations with a 10b5-1 Plan

By Lorraine Fox
Director in Wealth Management, Partner

If you’re a high-ranking company official with a concentration of company equity, a 10b5-1 plan is the smart way to trade shares and diversify your portfolio while avoiding scrutiny by the SEC. more >

Wealth PlanningMay 25, 2018

6 Steps to Leaving an Impactful Legacy

By Gregory P. Fasig
Director in Wealth Management, Partner

After defining your legacy, how do you go about making it real? Greg Fasig follows up his previous article with actionable steps to give your time and money in ways that last generations. more >

Wealth PlanningMay 4, 2018

Get Your Financial Planning Docs in Order

By Aspiriant News
Leading Independent Wealth Management Firm

Spring cleaning your home office may seem overwhelming. It’s easier if you start by organizing these five essential financial documents that help your advisors and family manage your financial affairs. more >

Wealth PlanningApril 24, 2018

What Do Your Advisor's Designations Mean?

By Aspiriant News
Leading Independent Wealth Management Firm

How do you know if you need a CFP or a CFA, or both? We explain some of the most common professional designations so you can select the right financial advisor to help you achieve your goals. more >

Wealth PlanningApril 6, 2018

5 Common Tax Myths Debunked

By Aspiriant News
Leading Independent Wealth Management Firm

As you finalize your 2017 taxes and prepare for the new federal tax law this year, save time and money by avoiding these common tax misunderstandings, from documentation to state taxes, which our wealth managers clarify. more >

Wealth PlanningApril 4, 2018

Maximize the QBI Deduction

By Aspiriant News
Leading Independent Wealth Management Firm

The new qualified business income (QBI) deduction provides a new reason for small business owners to reconsider how they distribute profits to themselves. Learn why your business structure and compensation method matter. more >

Wealth PlanningMarch 27, 2018

3 Questions to Define Your Legacy

By Gregory P. Fasig
Director in Wealth Management, Partner

Leaving a legacy is about more than just giving money. It’s about the influence you have on others. We all leave a legacy to some extent. Find out how to clearly define your legacy so that you can have a lasting, beneficial impact. more >

Wealth PlanningMarch 8, 2018

2018 Tax Planning: 10 Steps to Take Now

By Tom Tracy
Managing Director in Planning Strategy & Research, Partner

With the new tax law, year-round holistic tax planning and a sound understanding of your income and deductions can help you identify opportunities and strategies to achieve a more efficient tax result. Here are some planning tips for 2018. more >

Wealth PlanningMarch 1, 2018

Cybersecurity After Equifax

By Greg Schick
Director in Wealth Management, Partner

The combination of big-data techniques and massive data breaches means that all consumers, especially the wealthy, are at risk for targeted and sophisticated attacks on their identity. Learn how the game has changed, which risks you should be most concerned about, and how to protect yourself. more >

Wealth PlanningFebruary 22, 2018

Understanding the QBI Deduction

By Aspiriant News
Leading Independent Wealth Management Firm

The new deduction for Qualified Business Income, also known as pass-through income, is one of the most complicated provisions of the tax act. Ray Edwards explains how the new deduction works for certain business owners and investors. more >

Wealth PlanningFebruary 14, 2018

How Do You Know Your Advisor Cares?

By Aspiriant News
Leading Independent Wealth Management Firm

There are thousands of wealth managers to choose from. Whether times are good or bad, it’s important to have a trusted financial partner who cares about you, not just your portfolio. Here are six signs to tell when you’ve found the perfect match. more >

Wealth PlanningFebruary 5, 2018

Tax Reform: Optimizing Your Mortgage

By Sandi Bragar
Chief Client Officer, Partner

The tax act cuts the amount of home loan interest you can deduct from your income taxes. Should you still get a home loan? Wealth manager Sandi Bragar explains the changes in the tax law and why it still might be a good idea to mortgage your home. more >

Wealth PlanningJanuary 22, 2018

Is the Current Mild Market the New Normal?

By Helen A. Dietz
Managing Director in Total Wealth Management, Partner

Last year was record-breaking for its low volatility, helping investors to see strong returns. While the economic expansion could continue, find out why a market correction is likely at some point, which requires careful risk management. more >

Wealth PlanningJanuary 9, 2018

Grandparents Paying for College

The gift of higher education is one that can have a long-lasting impact on your grandchild’s future. But what’s the best way to go about it? Learn the financial considerations — from gift taxes to financial aid — that should be made in partnership with the parents. more >

Wealth PlanningDecember 27, 2017

What’s Next After Early Success?

By Aspiriant News
Leading Independent Wealth Management Firm

Reaching financial success from your hard work at a young age may leave you feeling a bit lost. Learn how to set a new vision for a fulfilling future. more >

Wealth PlanningDecember 21, 2017

Congress Passes Tax Overhaul

By Raymond Edwards
National Technical Tax Director, Partner

Congress moved at a swift pace to deliver a tax overhaul bill to President Donald Trump. The House of Representatives and Senate made a number of amendments to their bills to reach a compromise. Here’s a summary of the final changes. more >

Wealth PlanningDecember 8, 2017

Retiring from the C-Suite

By Lorraine Fox
Director in Wealth Management, Partner

For top executives, thinking about what you will do in your later years is essential to having a sound financial plan and being emotionally prepared for retirement. Read how an Aspiriant client successfully transitioned into a slower-paced lifestyle. more >

Wealth PlanningNovember 28, 2017

Year-End Planning and Tax Reform

By Aspiriant News
Leading Independent Wealth Management Firm

Congress is making headway in passing historic tax reform that would dramatically change tax rates and reduce the number of deductions. Find out how the current bills compare and what it means for your 2017 year-end tax planning. more >

Wealth PlanningNovember 21, 2017

The Key to Giving Illiquid Stock

By Helen A. Dietz
Managing Director in Total Wealth Management, Partner

Donating illiquid stock and other assets is a great way to support your favorite charities and save taxes. But it’s more complicated than giving public securities. Wealth managers Helen A. Dietz and Cliff Loh explain why a team approach is the best way to go about it. more >

Wealth PlanningNovember 14, 2017

Making It On Your Own: Insurance

By Aspiriant News
Leading Independent Wealth Management Firm

Even when you have it all figured out, life can throw you a curveball. That’s why insurance is important to minimize the impact of the unexpected and help you get back on sound financial ground. Read about the basic coverages you need in the final chapter of our educational series for young adults. more >

Wealth PlanningNovember 7, 2017

Avoid Roadblocks on the Safe Route to Retirement

By Aspiriant News
Leading Independent Wealth Management Firm

Keeping most of your money in cash or a single stock can be riskier than you may think. Read about how a diversified strategy helped one couple meet their retirement goals sooner. more >

Wealth PlanningOctober 16, 2017

Freeze Your Assets Before a Liquidity Event

By Dawn Baca
Senior Associate in Strategic Planning

Planning before acting often results in many benefits. This can be especially true when you’re facing a liquidity event like the sale of a business. Dawn Baca explains two strategies that can help reduce estate taxes. more >

Wealth PlanningOctober 2, 2017

Making It On Your Own: Investing

By Aspiriant News
Leading Independent Wealth Management Firm

When you’re young, you’ve got amazing dynamics on your side to start investing for retirement or longer-term goals. Get empowered to invest by learning the basics in this chapter of our financial education series for young adults. more >

Wealth PlanningSeptember 22, 2017

Avoid Liquidity Event Tax Traps

By Jason Kiss
Director in Wealth Management, Partner

Frequently, new clients come to us asking for help managing their money after they’ve received a huge payout from a liquidity event at work. If they had come to us before the event, we could have helped them keep more of their hard earnings. more >

Wealth PlanningAugust 28, 2017

Making It On Your Own: Credit

By Aspiriant News
Leading Independent Wealth Management Firm

Credit is a fact of life in America. It’s easy to get and easy to use. But how you use credit will impact your finances throughout your lifetime. Learn how to establish healthy credit habits in the latest chapter of our financial literacy series for young adults. more >

Wealth PlanningAugust 21, 2017

Should You Name a Relative as Trustee?

By Mary Ellen Krueger
Director in Wealth Management, Partner

Serving as trustee to a family trust is a major responsibility. Learn about the pros and cons of choosing a relative to manage the trust and how a professional trustee can help. more >

Wealth PlanningAugust 7, 2017

Estate Planning Checkup

Think you have a solid estate plan in place for your heirs? If it’s been a while since you established it, it’s probably time for a review. Melissa Punim details key estate planning considerations you should review each year. more >

Wealth PlanningJuly 21, 2017

Making It On Your Own: Saving

By Aspiriant News
Leading Independent Wealth Management Firm

When you’re first starting out, your financial stability and future wealth depend on good saving habits. Learn about the three buckets of savings in the third post of our financial education series for young adults. more >

Wealth PlanningJune 22, 2017

3 Strategies for Exercising Incentive Stock Options

By Lorraine Fox
Director in Wealth Management, Partner

Company-provided stock options, especially ISOs, can be a boon for employees of start-ups experiencing skyrocketing growth. The trick is managing the income taxes. more >

Wealth PlanningJune 13, 2017

Making It On Your Own: Taxes

By Aspiriant News
Leading Independent Wealth Management Firm

For first-time filers, taxes may seem daunting at first. But they're actually pretty easy. Aspiriant wealth managers explain the basics in the second post of our financial education series for young adults. more >

Wealth PlanningMay 5, 2017

Making It On Your Own: Budgeting

The money you’ll make during your lifetime is only half the story. How you manage your money is the key to reaching your personal goals. And it starts with setting a reasonable budget. more >

Wealth PlanningMarch 24, 2017

When Tech Deals Go Well

By Lorraine Fox
Director in Wealth Management, Partner

Incentive stock options, or ISOs, can make a huge impact on reaching one’s life goals. But success requires careful financial planning until that big liquidity event. Here’s one example. more >

Wealth PlanningMarch 14, 2017

Addiction and Financial Management

By John Collins
Director in Wealth Management, Partner

Sometimes protecting a family’s assets can go beyond suitable investments and tax-saving strategies. Learn how your wealth manager can also help your family through an addiction. more >

Wealth PlanningMarch 6, 2017

Making Sense of Bonds and Rising Rates

By Gavin Neil
Director in Wealth Management, Partner

As the Fed plans to push up interest rates, are you wondering if you should sell your bonds for stocks? Learn why rising rates are not necessarily a bad thing for a diversified, long-term investment portfolio. more >

Wealth PlanningFebruary 23, 2017

Reverse Mortgage Strategies

By Talia Pierluissi
Director in Wealth Management, Partner

A reverse mortgage can be a good way to supplement retirement income. Talia Pierluissi explains reverse mortgages and describes strategies to potentially help retirees reduce the risk of running out of money too soon. more >

Wealth PlanningFebruary 6, 2017

Divorce Disability Insurance

By David Muchow
Director in Wealth Management, Partner

When working through a divorce settlement, it’s important to factor in the possibility of a permanent disability impacting support payments. Special divorce disability insurance may help assure continuity and peace of mind. more >

Wealth PlanningJanuary 20, 2017

10 Common Credit Traps of the Wealthy

By Sandi Bragar
Chief Client Officer, Partner

If you’re wealthy, you don’t need to worry about your credit profile, right? Sandi explains why that’s not true and offers tips on how to maintain a great credit score and use credit to your advantage. more >

Wealth PlanningDecember 16, 2016

Year-End Income Tax Planning

By Raymond Edwards
National Technical Tax Director, Partner

Republican income tax proposals to reduce rates at the top end and cap itemized deductions make year-end tax planning as important as ever. Ray Edwards details strategies to potentially minimize your tax bill. more >

Wealth PlanningDecember 15, 2016

How to Form a Winning Financial Strategy

By Lorraine Fox
Director in Wealth Management, Partner

Too many professional athletes find themselves in financial distress or victims of investment scams. It’s a problem anyone could face. Lorraine Fox shares her insights as to how common pitfalls can be avoided. more >

Wealth PlanningDecember 6, 2016

The End of Estate Taxes?

By Clay Stevens
Director in Strategic Planning, Partner

Even if the new Republican-held White House and Congress repeal the estate tax, the question of how long it will last and other uncertainties still make estate planning a good idea. Clay Stevens explains why. more >

Wealth PlanningDecember 1, 2016

The 3 Stages of Financial Planning for Elders

By Lisa Colletti
Managing Director in Exclusive Family Office, Partner

For many adult children, caring for their aging parents is a challenging responsibility. The best way to prepare is to start planning with them now, before crisis strikes. It's easier if you break down the process into three phases. more >

Wealth PlanningNovember 22, 2016

Selecting From the Credit Card Cornucopia

By Tom Tracy
Managing Director in Planning Strategy & Research, Partner

Choosing the right credit card for you depends on your unique spending patterns, desire for simplicity versus benefit optimization, and willingness to pay an annual fee to obtain better rewards. more >

Wealth PlanningNovember 11, 2016

5 Steps to Starting a Giving Plan

By Nikki Michelini
Director in Wealth Management, Partner

The process of establishing a giving plan is a lot easier — and can even be more fun — if you break it down. more >

Wealth PlanningOctober 27, 2016

A Look at Continuing Care Retirement Communities

By Myles D Rush
Director in Wealth Management, Partner

If you’re thinking about moving to a retirement community at some point, Continuing Care Retirement Communities are an increasingly popular and unique housing option for senior living. more >

Wealth PlanningOctober 21, 2016

Finding Inspiration From Value Stocks

By Greg Schick
Director in Wealth Management, Partner

While it may feel more comfortable to chase performance, taking a rigorous, systematic approach to your investment portfolio will steer you toward fundamental value and away from speculative excess. more >

Wealth PlanningSeptember 16, 2016

Is Life Insurance the Best Estate Tax Solution?

By Tim Reynolds
Former Partner of Aspiriant

Life insurance has long been sold as a solution for paying burdensome estate and generation skipping taxes. It’s simple and free of income tax — it’s all you need to do, right? more >

Wealth PlanningAugust 29, 2016

Financial Planning for Women

By Aspiriant News
Leading Independent Wealth Management Firm

Today, women are far more motivated, knowledgeable and involved in their financial lives than earlier generations. more >

Wealth PlanningAugust 19, 2016

Financial Parenting: 5 Important Lessons for Your Young Children

By Lisa Colletti
Managing Director in Exclusive Family Office, Partner

As a professional financial advisor, sometimes I find it impossible to leave my work at the office. Here are five memories that serve as financial lessons that are important to teach your kids. more >

Wealth PlanningMay 27, 2016

7 Tips to Help You Avoid an Audit

No matter how wealthy you are, there are some situations and common mistakes that increase your odds of being audited. more >

Wealth PlanningMay 27, 2016

Struck Money? Here’s What To Do Next

By Aspiriant News
Leading Independent Wealth Management Firm

While becoming a self-made millionaire is a dream for many, the reality of sudden wealth can actually bring with it a myriad of challenges that some may not know how to deal with. more >