From Chaos to Clarity: Organizing Your Household Cash Flow After a Busy Holiday Season
January arrives with credit card statements that tell the story of December's generous spirit. Gift purchases, travel expenses, hosting costs, and festive celebrations add up faster than most families anticipate. The holiday season creates a unique cash flow challenge that extends well beyond the decorations coming down and the leftover cookies disappearing from your kitchen counter. More than half of Americans expect to carry holiday debt that takes months to pay...
2026 Market Outlook: What Analysts Expect for Stocks, Bonds, and Real Assets
Wall Street analysts are penciling in their 2026 forecasts, and the numbers tell a story that's equal parts optimism and caution. After three consecutive years of double-digit stock gains, major investment banks see another year of growth ahead, though perhaps at a more measured pace. Bonds might finally deliver the stability investors have been waiting for, while gold continues its record-breaking run on the back of geopolitical uncertainty and central...
Plan Now, Benefit Later: How Charitable Trusts Can Reduce Future Tax Burdens
Tax planning and charitable giving might seem like separate conversations. One focuses on keeping more of what you earn, the other on giving money away. But for high-net-worth individuals, these two goals can work together in ways most people never consider. The right charitable structure reshapes your tax picture for years or even decades to come. The timing matters more than usual right now. Tax laws changed significantly in 2025, and...
How to Decide if It’s Time to Upgrade Your Policy
The life insurance policy you bought five years ago made perfect sense at the time. You were single, renting an apartment, and your biggest financial obligation was probably a car payment. Fast forward to today, and you're married with two kids, a mortgage, and aging parents who might need help down the road. That original policy? It might be outdated now. Upgrading your life insurance feels like one of those tasks...