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Latest From Our Blog

Five Important Tax Changes Coming in 2025

As we step into 2025, several tax changes are set to affect individuals. Staying informed about these changes can help you make the most of new opportunities and avoid potential pitfalls. Here’s a breakdown of five key updates to keep on your radar for 2025:

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Shocking Discovery About Alloy Wealth Management

When choosing a financial advisor, trust and transparency are paramount. That’s why it’s crucial to investigate claims and verify information before entrusting your money to any firm. Recently, we uncovered some alarming inconsistencies about a financial services firm based in Charlotte, NC—Alloy Wealth Management.

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December 2024 Charts

Private Credit Performance. A comparison of returns across various fixed-income categories reveals that private credit has been outperforming other classes. No surprise we've seen a private credit boom with yield ~2x it's counterparts.

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Understanding the Widow’s Tax Penalty: A Hidden Retirement Risk

One of the most overlooked risks that married couples face when planning for retirement is something known as the Widow’s Tax Penalty. This penalty occurs at the death of the first spouse and can have a significant impact on the surviving spouse’s financial well-being. In this post, we’ll explain how this penalty works, its potential impact on a couple’s retirement plan, and practical steps you can take to minimize it.

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Should You Consider a Roth IRA Conversion?

If you're wondering if you should pay taxes early through a Roth IRA conversion—especially when that means shrinking your investment amount initially—you’re not alone. After all, conventional wisdom says to defer taxes as long as possible. But for many savers, particularly those with large traditional IRAs, Roth conversions can be a valuable strategy.

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What's the Catch with a Free Financial Plan?

Advisors advertising free plans might claim to be fiduciary advisors, which means they’re legally obligated to act in your best interest. However, this claim can be misleading. While they may technically operate as fiduciaries at certain times, they might also recommend commission products that serve their financial interests more than yours.

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