News and Commentary

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. […]

Women Need to Plan for their Long-Term Care By Olga Ismail

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Posted on June 09, 2025 by Olga Ismail

No one wants to think about spending their golden years in a nursing home or with round-the-clock nursing assistance for basic self-care tasks, such as eating, dressing, bathing and using the bathroom. Yet, according to the U.S. Department of Health and Human Services, someone turning age 65 today has an almost 70 percent chance of […]

What is Private Placement Life Insurance, and How Can it Help High-Net-Worth Investors Maximize Tax Efficiency? By Eric P. Zeitlin

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Posted on June 03, 2025 by Eric Zeitlin

The more wealth a family acquires, the more tools they need to preserve those assets for future generations and protect them from the long arms of tax agencies in the U.S. and abroad. One such tool earning the attention of family offices and ultra-high-net-worth individuals worldwide is private placement life insurance (PPLI). In the simplest […]

Millennials Spark a FIRE to Achieve Financial Independence, Retire Early By Shane Phillips, CFA, CAIA, CFP ®

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Posted on May 27, 2025 by Shane Phillips

A growing movement of investors aspires to work for shorter periods, supercharging their savings and investing during their early years and enabling them to retire at a younger age than the generations before them. This strategy, referred to as Financial Independence, Retire Early (FIRE), may sound like a good plan, but it can be challenging […]

4 Savings Strategies for Recent College Grads By Brendan T. Hayes

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Posted on May 20, 2025 by Brendan Hayes

As college graduates embark on their professional careers, they should consider the following savings strategies to help prepare them for a sound financial future. Like most things in life, the earlier you start planning and preparing, the more likely you will achieve your goals. Employer-Sponsored Savings Plans While retirement may seem like a long way […]

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