News and Commentary

Widows, Widowers Have an Easier Time Electing Portability of Deceased Spouses’ Unused Estate Tax Exemptions By Scott Montgomery, CLU, ChFC

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Posted on March 26, 2025 by Scott Montgomery

Widows and widowers who missed the deadline to claim a deceased spouse’s unused estate and lifetime gift tax exemptions as their own have up to five years to make this portability election and shield more of their wealth from future tax liabilities. Understanding Portability U.S. tax laws provide individuals with a federal lifetime gift and […]

Provenance Wealth Advisors Welcomes CEO and President Peter Mottek

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Posted on March 24, 2025 by Peter Mottek

Provenance Wealth Advisors, an independent RIA firm, has named Peter Mottek chief executive officer and president. Managing Director Eric Zeitlin is advancing to chairman of the board and Richard A. Berkowitz, JD, CPA, has been named chairman emeritus. With over 35 years in the industry, Mottek joins PWA after leading TD Bank’s US Wealth and […]

4 Strategies to Apply During Life to Reduce Estate Taxes After Death By Eric P. Zeitlin

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Posted on March 18, 2025 by Eric Zeitlin

Ultra-high-net-worth individuals with estates valued above the $13.99 million estate-tax lifetime-exclusion amount in 2025 (or $27.98 million for married couples filing joint tax returns) have several opportunities to reduce their estate tax liabilities at death while preserving wealth for future generations while they are alive. Give Multiple Gifts During Life. Making annual exclusion gifts enables […]

Special Needs Trusts Can Help Improve a Disabled Family Member’s Quality of Life by Lee F. Hediger

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

Caring for a family member with a physical, intellectual or emotional disability can be costly. Everyday expenses can include food and shelter, specialized medications, assistive devices, special education, transportation, at-home nursing care, and much more. Over time, these expenses will almost certainly increase. Families must engage in advanced planning to ensure that a loved one […]

The Valuable but Often Forgotten Tool of Successful Solopreneurs and Gig Workers By Sean Deviney, CFP®*

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Posted on February 26, 2025 by Sean Deviney

Starting a small business can be an exciting venture for anyone seeking career and financial independence. However, the planning and processes required to achieve those goals can be daunting. Entrepreneurs must consider how they will make money today and save enough to ensure a successful retirement for themselves in the future. One option to consider […]

Why Invest in Stocks? by Shane Phillips, CFA, CAIA, CFP®

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Posted on February 20, 2025 by Shane Phillips

The decision to invest in stocks is one that individuals must take the time to consider carefully, weighing the risks and rewards in the context of their unique facts and circumstances. In general, stocks carry far greater risks than other investments, such as bonds and cash. Investors must contend with market volatility based on economic […]

What is Asset Diversification and Why is it Important? by Olga Ismail, AIF®

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Posted on February 04, 2025 by Olga Ismail

Asset diversification is an investment strategy designed to help investors minimize exposure to market volatility while attempting to maximize opportunities for high returns over the long term. While diversifying assets does not guarantee any investment objective will be met, spreading out investable dollars over a diverse mix of stocks, bonds, cash and other assets could […]

Maintaining the Power of your Power of Attorney By Brendan T. Hayes

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Posted on January 30, 2025 by Brendan Hayes

A power of attorney is a legal document in which you grant to someone else the authority to oversee your financial affairs and make prudent decisions on your behalf if and when you are unable to do so on your own.  Those decisions could be as mundane as paying household bills during a temporary period […]

A Fair Inheritance is in the Eye of the Beholder By Lee F. Hediger

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Posted on January 22, 2025 by Lee Hediger

Leaving behind a lasting legacy and providing for surviving family members in the event of an individual’s death or disability takes time, patience and consideration of a broad range of non-financial issues. While there are times when an unequal division of property among heirs is preferable, consideration should be given how surviving family members will […]

Age is More than A Number When Planning for Retirement By Sean Deviney, CFP®*

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Posted on January 14, 2025 by Sean Deviney

After years of diligent saving, you probably built a significant nest egg to afford a comfortable retirement, but that doesn’t mean you’re ready to put your feet up and coast through your golden years. Preparing for retirement requires having a plan in place to address your spending habits, rising healthcare costs, changing tax laws and […]

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