While neither the acronym ESPP nor the spelled‑out version—employee stock purchase plan—sounds particularly exciting, the financial rewards can be. When employers offer an ESPP, employees often have an opportunity to benefit meaningfully by using the program strategically.
Estate planning has always been shaped by changes in tax law, but the most meaningful shift for high‑net‑worth (HNW) and ultra‑high‑net‑worth (UHNW) families is the permanent increase in the federal estate, gift, and generation‑skipping transfer (GST) tax exemptions under the One Big Beautiful Bill Act (OBBBA).
When an individual passes away, someone must step in to manage the estate, settle outstanding obligations, and help ensure that assets are transferred according to the will or applicable state law.
Many families want to provide financial help to children or grandchildren as they take meaningful steps forward, whether that’s buying a first home, paying down high‑interest debt, or launching a new business.
Everyone’s financial life changes over time, which is why financial planning for life stages is really just about understanding how your priorities evolve.
Financial literacy is an essential skill that should be introduced to children at a young age. By teaching key concepts at various stages of their development, you can help your children build the habits and knowledge needed for a secure financial future. From basic saving and investing, to budgeting and planning for retirement, this guide offers some suggestions on how to empower your children to make informed financial decisions and become financially independent.
How a strong plan can help avoid them.
Good news! The IRS has increased the employee contribution limit for 401(k) and other retirement plans for 2026.
If you have changed employers over the course of your career, you probably know not all 401(k) plans are created equal. They contain different fees, investment options, contribution limits, etc.
