For decades, investors relied on the 60/40 portfolio — 60% stocks, 40% bonds — as the cornerstone of wealth management. That mix worked well in an era of steady growth, declining interest rates, and predictable market cycles. But as the last few years have shown, these older strategies no longer necessarily hold. Business owners and […]
Selling a business is often the biggest financial transaction of an owner’s life. Yet studies show that up to 90% of liquidity events fail — and of those that succeed, most owners leave 50–100% of potential value on the table.1 The difference between a disappointing outcome and a transformative one often comes down to one […]
We see moments like this all the time with clients: cash is tight, an opportunity arises, or a personal expense demands immediate funding. One option that often comes up is borrowing from your 401(k).1 It can feel tempting — after all, you’re borrowing from yourself. But like most financial decisions, the reality is more nuanced. […]
As families grow their wealth, their financial lives naturally become more complex. We’ve observed while performance still matters, the real edge often comes from tax planning for high-net-worth individuals. For high-net-worth (HNW) and ultra-high-net-worth (UHNW) families, one of the most overlooked and misunderstood levers is the Roth conversion. Done right, a Roth conversion is more […]
If you’ve built up savings in a traditional IRA or workplace plan like a 401(k) or 403(b), congratulations — you’ve taken advantage of years of tax-deferred growth. The trade-off? Eventually, the IRS requires you to start pulling money out. These withdrawals are referred to as required minimum distributions (RMDs). Handled wisely, RMDs can be a […]
When markets become volatile, most investors fall back on the traditional 60/40 portfolio: 60% stocks, 40% bonds. However, as many learned in 2022, stocks and bonds can decline simultaneously. Business owners and families relying solely on these asset classes risk missing a key piece of the puzzle: alternative investments. Two of the most powerful and […]
Selling a business is often the biggest financial transaction of an owner’s life. Yet, studies show that up to 90% of liquidity events fail — and of those that succeed, most owners leave 50–100% of potential value on the table.1 The difference between a disappointing outcome and a transformative one often comes down to one […]
When you’ve spent years building a business, the last thing you want is to see your hard-earned wealth eroded by unnecessary taxes. For many high-net-worth families and entrepreneurs, the priority isn’t always higher returns — it’s keeping more of what you earn. One of the most powerful tools to achieve that today is direct indexing. […]
Every business owner knows the feeling: you work hard, grow revenues, and build equity, only to realize the dollar in your hand buys less each year. Costs for real estate, education, and healthcare keep climbing, while wages and savings often fail to keep pace. It’s not just inflation in the headlines — it’s a deeper […]
Selling a business is often described as the ultimate victory. Years of hard work, sacrifice, and persistence finally pay off with a major liquidity event. But for many founders, what follows isn’t celebration — it’s confusion, regret, or even a sense of loss. This phenomenon, sometimes called the Founder’s Exit Paradox, highlights a crucial truth: […]
