Preparing for the 2025 Tax Season
The start of a new year marks the beginning of the 2025 tax filing season. With this tax season, we also get our first taste of the major tax changes made by the “One Big Beautiful Bill” that was signed into law in 2025. Tax season often brings anxiety, but preparation is the best defense. […]
Financial Calm: The Competitive Advantage of Disciplined Investing
Many investors believe the best results come from finding the perfect stock or making the right call on interest rates. And while those choices can help, even the best investors in the world make mistakes. What separates the successful ones isn’t perfection, but the ability to stay disciplined, follow a process, and avoid emotional decisions […]
One Big Beautiful Bill
One Big Beautiful Bill: A Game-Changer for U.S. Taxes On July 4, 2025, President Trump signed into law a landmark piece of legislation known as the One Big Beautiful Bill Act (“Act”). The provisions of the Act represent the most comprehensive tax law changes since the 2017 Tax Cuts and Jobs Act (“TCJA”). In many […]
A Teacher’s Guide to Retirement Savings
As an educator, you’re dedicated to shaping the future for others, but what about your own? Planning for your financial future is just as important as the lessons you teach. Whether you’re in a public or private school, there are powerful savings strategies tailored to your path. The key is knowing which options are typically […]
Are You Investing or Speculating?
It’s easy to assume they’re the same. You buy stocks, funds, some crypto, and expect it to go up. But is that really investing? Not always. The key difference between investing and speculating often comes down to your mindset and whether your decision is part of a well-thought-out strategy or just a gut feeling. The […]
Market Outlook and Predictions
I am sitting on the floor of my den about to play PrettyPretty Princess with my 3-year-old daughter. If you have never played this game, you take turns spinning an oversized spinner trying to be the first player to collect the complete set of undersized plastic jewelry. If you can achieve this first, you are […]
When to Expect Your 1099
If you receive income from investments, dividends, education savings plans, or contract work, you’re undoubtedly familiar with IRS Form 1099. By the time April 15th rolls around, you might have even collected a hefty stack. However, what might be less clear is when you should expect to receive them. Some insist that the deadline is […]
2024 Year End Tax Planning
As with every year, it makes sense to consider tax planning moves before the end of the year that can help lower your tax bill for 2024. With this being a presidential election year, planning takes on even more importance. The general strategy of deferring income into next year and accelerating deductions into this year […]
Can I Sleep at Night?
Since the dawn of behavioral finance, many traditional economic theories have taken a backseat because of practical shortcomings. Individuals are not rational economic beings and instead make emotional decisions that are suboptimal. One practical decision-making tool that I would espouse to individuals is what I will call the sound sleep principle. When faced with tough […]
The Stressors of Parenting: Easing Financial Worry
“Powerlessness” is a word that the Surgeon General, Dr. Vivek H. Murthy, used recently to describe the modern role of parenting. Anyone who is a parent can tell you that the parenting journey, while filled with boundless joy, can also be unpredictable and stressful. In acknowledging the increasing and unpredictable stress that comes with parenting […]