Hot Takes with a Long-Term Point-of-View

We dig deep into comprehensive financial planning and investment management topics, current events, and market performance.


Explore more than a decade’s worth of time-tested tips and thoughtful commentary on the financial world, current events, and even our firm. 

Health Savings Accounts (HSAs)

Health savings accounts are triple tax-advantaged. These accounts have become increasingly popular, as they allow employees access to a tax-deferred means of saving money to pay for medical costs now and in retirement.

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Converting a Traditional IRA to a Roth IRA

Roth IRA conversions have gained popularity, thanks to the removal of the income cap on conversions several years ago. A Roth IRA allows your principal and earnings to grow completely tax-free, because contributions are made to a Roth IRA after tax.

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The Pros and Cons of High Inflation

Inflation is the loss of purchasing power over time, meaning that your money buys less than what it did in the past. Historically, inflation has averaged approximately 3% per year. However, we’re in an extremely high inflationary period right now—over the 12 months ended June 30, 2022, the Consumer Price Index for All Urban Consumers (CPI-U), a measure of inflation, increased 9.1%, the highest level since 1981.

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Tax Cuts and Jobs Act of 2017

This major tax reform will benefit corporations and the mega-wealthy beginning in 2018. For many individuals, the new law will add complexity. Many of the new provisions expire after December 31, 2025, at which time tax rules revert back to 2017 law. We’ve compiled a list of the provisions that will likely affect our individual clients. Stay tuned for new tax strategies that will emerge from these rules.

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Political, Charitable, and Government Gifts

For many, the inauguration of a new President has sparked a renewed interest in government, politics, and making a difference. Did you know that you can make a tax-deductible gift to pay down the federal debt and earmark it for a specific federal agency?

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Estimated Taxes

Paying taxes is often a balancing act. You want to pay just enough to avoid penalties yet avoid giving the government an interest-free loan. There

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