Legacy Blog
Protect Your Credit in Minutes
Whether it’s in a commercial, on a website, or during a meeting with a financial professional, you’ve probably heard the advice to freeze your credit....
Social Security: How It Works and How to Make Smarter Claiming Decisions
Social Security is an important, and often essential, part of a retirement plan. Originally created as “Old-Age Insurance” during the Great Depression to help prevent widespread poverty...
Net Unrealized Appreciation (NUA): A Powerful but Often Misunderstood Tax Strategy
If you have accumulated employer stock inside your 401(k), one of the most important planning decisions you will make is how that stock is distributed...
How to Think About Crypto, Risk, and Whether It Belongs in Your Financial Plan
The cryptocurrency conversation has evolved dramatically. What started as an underground digital experiment is now discussed at dinner tables, in boardrooms, and even in financial...
Required Minimum Distributions: What They Are and How to Plan Ahead
Required Minimum Distributions (RMDs) are mandatory withdrawals from certain tax deferred retirement accounts, including Traditional IRAs, Traditional 401(k)s, and 403(b)s. The IRS requires these distributions because contributions to these accounts were...
Using a Pledged Asset Line of Credit: How It Works, When It Helps, and the Risks to Consider
As portfolios grow, financial decisions tend to get more complex. One question I hear more often from high-net-worth families, retirees, and business owners is whether...
Trump Accounts: What They Are, Who Qualifies, and How They Work
The IRS has recently released initial guidance on Trump Accounts, a new type of tax-advantaged account designed to help families save and invest for children....
2026 401(k) Contribution Limits and Roth Catch-Up Changes
The IRS has announced the new 401(k) contribution limits for 2026, giving retirement savers the opportunity to set aside more for the future. Alongside these...
The AMT Trap: How to Exercise Stock Options Without Overpaying in Taxes
For many executives, the largest tax surprises do not come from salaries or bonuses but from stock options. Among the most confusing and costly issues...
Roth Conversions: A Smart Strategy for Tax-Free Income in Retirement
One of the biggest challenges in retirement is managing taxable income. Without proper planning, withdrawals from pre-tax accounts like Traditional IRAs and 401(k)s can unintentionally...
Government Shutdowns Impact on Markets
Washington is back in the headlines as the federal government faces a shutdown if policymakers can’t reach a new funding agreement. Political drama in Washington...
Inheriting an Annuity: What Are Your Options?
Losing a loved one is never easy. Along with the emotions of grief, families are often left to sort through financial accounts and decisions that...
Let’s See if We’re the Right Fit
Our first meeting is more of a friendly conversation than a formal consultation. It’s a chance for us to get acquainted and for you to share a bit about yourself. And we promise….we won’t use confusing financial jargon.
