News and Commentary

The Reality of Investing: A Look into Behavioral Finance By Shane Phillips, CFA, CAIA, CFP ®

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Posted on August 06, 2025 by Shane Phillips
Shane Phillips, CFA, CAIA, CFP® PWA Senior Portfolio Manager and Financial Advisor Registered Representative of PWA Securities, LLC

Most versions of economic theory assume humans are rational beings who will make the best decisions given the facts of their current circumstances. Unfortunately, a theory is not reality. People commonly make financial decisions based on irrational and inefficient cognitive biases and other psychological factors that ultimately influence fluctuations in the public equity markets. To […]

Families Have More Options for Using 529 College Savings Plans by Sean Deviney, CFP®*

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Posted on August 04, 2025 by Sean Deviney
Sean Deviney, CFP® Fort Lauderdale PWA Director and Financial Advisor Registered Representative of PWA Securities, LLC

529 plans provide families at all income levels with a tax-advantaged method for funding their children’s future education. Generally, contributions are invested and allowed to grow free of federal income tax when withdrawals are used to pay qualifying higher-education expenses, including tuition and fees for an undergrad or graduate school student; room and board, subject […]

Planning for the Unexpected by Kathleen Marteney, CRPC®

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Posted on July 30, 2025 by Kathleen Marteney

For some, the COVID pandemic may seem like a distant memory. However, if there is one lesson we learned from that period it’s that no one is immune from a job loss, a business closing, or a life-threatening illness. When these challenges occur, it is often too late to develop plans that you can put […]

Assessing Long-Term Care Insurance Options by Scott Montgomery, CLU, ChFC

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Posted on July 21, 2025 by Scott Montgomery
Scott Montgomery, CLU, ChFC PWA Director and Fort Lauderdale Financial Advisor Registered Representative of PWA Securities, LLC

When most people think of retirement, they imagine spending their time traveling and pursuing hobbies and activities that bring them joy. Few consider that as life expectancies increase, so too do the risks that individuals will eventually require costly long-term care for assistance with daily living activities. By failing to prepare in advance of this reality, […]

Retirement Planning Demands Time and Effort By Olga Ismail

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Posted on July 16, 2025 by Olga Ismail

Memorable vacations do not happen by chance. They require a certain level of effort and planning to ensure that you stay within your budget and maximize your actual time away for fun, sightseeing and relaxation. The more you plan, the more likely your getaway will meet your expectations. With this in mind, it is surprising […]

Do Foreign Persons Have U.S. Estate Tax Responsibilities? By Melvin Perez, CFP®

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Posted on July 14, 2025 by Melvin Perez

It is no secret that the U.S. tax code is complicated. Compliance with U.S. tax laws is particularly onerous for foreign persons, especially when considering that different rules apply for income and estate tax purposes, and neither depends on an individual’s immigration status. For income tax purposes, the U.S. presumes foreign persons to be nonresident […]

Asset Protection Strategies for Physicians by Sean Deviney, CFP®*

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Posted on July 09, 2025 by Sean Deviney

Physicians and other healthcare providers recognize the inherent risks of their profession, including legal and financial exposure to claims of medical malpractice. However, this professional liability is merely the tip of the iceberg when considering the complex legal landscape that all professionals must navigate when operating a business, employing staff, owning property, and even driving […]

Should You Consider a Roth IRA Conversion of Your Retirement Savings? By Lee F. Hediger

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Posted on July 07, 2025 by Lee Hediger
Lee F. Hediger PWA Director and Miami Financial Advisor Registered Representative of PWA Securities, LLC

Individual retirement accounts (IRAs) and 401(k)s serve an important purpose in estate planning, helping individuals save during their prime earning years to provide a financially secure retirement in the future. Contributions to these plans today reduce your taxable income in the year of contribution and grow tax-deferred until you take distributions in retirement. However, with […]

5 Common Mistakes to Avoid When Establishing Trusts By Brendan T. Hayes

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Posted on July 02, 2025 by Brendan Hayes

Trusts are essential to estate planning, regardless of your financial means. After all, you do not have to be a millionaire to protect your family members and plan for their continual care after you are gone. With a trust, you can help ensure that your wishes are followed, and your assets are transferred to heirs […]

Maximize Retirement Savings with After-Tax Contributions to a 401(k) by Olga Ismail, AIF®

Posted on June 25, 2025

High-income earners who max out their 401(k) with pre-tax dollars each year may have additional opportunities to supersize their retirement savings with after-tax contributions that can be withdrawn tax-free in the future, depending on their employer’s plan documents. Annual Pre-Tax Contribution Limits to Employer-Sponsored 401(k) Plans Each year, the IRS sets the maximum amount that […]

Joining an Independent Broker-Dealer Can Strengthen Financial Advisors’ Capabilities, Help to Improve Client Services by Eric Zeitlin

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Posted on June 23, 2025 by Eric Zeitlin

Gone are the days when large, institutional banks and wirehouses were the only ones with pockets deep enough to arm financial advisors with the tools needed to attract and retain wealthy clients. Today, independent brokers/dealers and registered investment advisories associated with independent wealth management firms have access to a wide array of customizable strategies and […]

Converting 529 Savings to a Roth IRA Helps Kids Kick-Start Their Retirement Savings By Brendan T. Hayes

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Posted on June 11, 2025 by Brendan Hayes

Investors with remaining balances in 529 college-savings plans may roll unused balances into tax-free Roth IRAs for the benefit of named beneficiaries without risk of penalties or income-tax exposure. This provides young people with an opportunity to start saving for their future via an investment vehicle that offers tax-free growth and tax-free withdrawals in retirement. […]

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