What’s Coming in 2025? Potential Tax Changes on the Horizon
While 2024’s changes are mostly refinements, 2025 could be a big year for tax shifts. Here’s what’s on the table: ✅ Tax Brackets May Go Up – If Congress doesn’t act, the 2017 tax cuts expire in 2026, meaning higher tax rates for most filers. ✅ Estate Tax Exemptions Could Drop – The current $13.6M […]
2024 Tax Changes: What’s New for the 2024 Tax Year?
Tax season is here, and with it come some important changes that could impact your retirement savings, required distributions, and tax strategies. Whether you’re contributing to an IRA, planning for retirement, or looking to optimize your investments, it’s important to stay ahead of the latest updates. Even more importantly, 2025 could bring some major tax […]
DeepSeek: A Flash in the Pan or a Game-Changer?
Alright, let’s talk about DeepSeek—the latest AI company that’s got everyone either panicking or strategizing. A few weeks ago, some of the biggest names in tech lost billions in market cap, and fingers pointed straight at this Chinese startup. Why? Because DeepSeek allegedly trained a cutting-edge AI model on 800 old Nvidia A100 chips instead […]
Is DeepSeek a Threat to Nvidia and the Magnificent Seven? Not Quite.
This week, AI investors had a bit of a panic moment. The culprit? A Chinese AI startup called DeepSeek, which claims its open-source large language model (LLM), R1, can compete with OpenAI’s GPT-4, Meta’s Llama, and Google’s Gemini—but at a much lower cost. That was enough to send stocks in the AI space tumbling. But […]
Tax Break Now, Decide Later: Unlock the Benefits of Donor-Advised Funds
Every year, as December approaches, we hear a familiar story: clients want to make a meaningful donation and take advantage of the associated tax benefits, but they haven’t yet decided which charities to support. For many, Donor-Advised Funds (DAFs) are the perfect solution. Take, for instance, a client who came to us last year, hoping […]
Maximize Your 401(k) Potential: Leveraging Financial Advice to Manage Self-Directed Accounts and PCRAs
Jay, a professional in his mid-40s, was frustrated with the limited growth of his company-sponsored 401(k) plan. The restricted investment options and lack of active management left him concerned about the long-term growth of his retirement portfolio. Seeking a better solution, he turned to us for guidance. Jay wanted to explore how an investment advisor […]
Maximize Your Stock Grants: Strategies for RSU and ESPP Success
When managing stocks acquired through employee plans such as RSUs (Restricted Stock Units) and ESPP (Employee Stock Purchase Plan) stock grants, understanding the right selling strategy is crucial to minimize taxes and manage portfolio risk. This guide walks you through a step-by-step approach to determine the optimal order for selling these stocks, diversify a concentrated […]
The Yield Curve Normalizes: Time to Worry or Stay the Course?
The U.S. Treasury yield curve is a widely watched economic indicator, often viewed as a harbinger of future recessions. The recent normalization of the yield curve—after an inversion lasting over 16 months—has sparked widespread discussion about its implications for the economy and markets. While the yield curve has historically been a reliable recession predictor, there […]
How to Safeguard a Large Single Stock Holding: 7 Effective Strategies.
Recently, an investor expressed a concern that is often shared by corporate employees who have large stock grants from their companies. Over the years, his stock grants had accumulated into a significant, concentrated portfolio of Apple shares, representing the bulk of his net worth. While he believed in the company’s future, he knew that holding […]
iPhones with IQ: How Apple Intelligence Could Start a New Era of ‘Smart’ for a $4 Trillion Future.
By the end of October 2024, Apple is expected to make several innovations that could have significant implications for the company’s performance, especially with the next generation of iPhones. One of the most anticipated developments is Apple’s expansion into artificial intelligence, which is expected to drive further growth, possibly pushing the company toward a $4 […]
