News and Commentary

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 […]

Are You Prepared for Sunsetting Tax Provisions? By Sean Deviney, CFP®*

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Posted on May 15, 2025 by Sean Deviney

Many of the provisions contained in the current tax law are set to expire on Dec. 31, 2025, signaling an immediate need for individuals to assess their existing estate plans to maintain long-term tax efficiency. Whether or not the current administration extends these laws, engaging in planning now can help reduce risks of potentially higher […]

Estate Tax Relief for Ultra-High-Net-Worth Families by Lee F. Hediger

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Posted on April 13, 2025 by Lee Hediger
Lee F. Hediger PWA Director and Miami Financial Advisor Registered Representative of PWA Securities, LLC

Effective Jan. 1, 2025, the federal estate tax exemption increased to $13.99 million, or $27.98 million for married couples filing joint tax returns. This means that individual taxpayers can transfer up to $13.99 million in assets to their heirs (or up to $27.98 million for married couples filing jointly) during life or at death without […]

Avoiding Emotions and Knee-Jerk Reactions in Times of Market Volatility By Scott Montgomery, CLU, ChFC

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Posted on April 11, 2025 by Scott Montgomery

Equity markets offer investors numerous opportunities to build wealth, but they also entail significant risks, including market volatility. While stock prices may rise and fall for various reasons, extended periods of uncertainty can roil markets and prompt investors to make rash financial decisions based on emotions rather than facts. The current surge in volatility is […]

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