Adviser Investments and Polaris Wealth Advisory Group are now RWA Wealth Partners.

How Do Elections Impact Your Wealth?

Another election cycle has begun, and you may feel a looming anxiety about how your wealth and investment portfolio will be affected. Recent surveys show how heavily the 2024 election outcome is weighing on investors. A retirement study by Nationwide showed that 45% of respondents believe it will significantly sway their portfolios—more so than financial markets.1 This bipartisan concern spans 68% of Republican and 57% of Democratic investors surveyed. To that end, 33% of pre-retirees have already started to manage their investments more conservatively due to election uncertainty.2 Each time an election cycle revs up, people start to get nervous about their finances. In 2016, for example, 47% of investors with at least $1 million in assets3 considered reducing their market exposure around the…

How To Teach Your Family About Generational Wealth

Statistics show 90% of families lose their wealth by the third generation. Let that sink in. By the time your grandkids are set to inherit the money you earned in your lifetime, it could be gone or close to gone—unless you can overcome difficult odds. You can take steps to reduce your taxes, put together…

How To Develop an Exit Plan for Your Successful Business

Building a successful business has been your life’s work. It’s your primary source of wealth, your retirement plan and a significant point of pride. You likely have strong emotional ties to your company, so it’s hard to imagine giving up control to anyone else. But the day will come when you need to move on,…

How To Make a Zero-Tax Estate Plan a Reality for Your Legacy

Take a hard look at your estate plan. Does it show considerable tax exposure? Given the substantial increase in estate tax exemptions—rising to nearly $26 million for married couples1 in 2023—there are ample opportunities to avoid heavy taxes in today’s environment. In fact, in recent years only 0.2% of estates2 have been subject to taxation…

Why Convert From a Traditional IRA to a Roth IRA?

Retirement Plan Notebook

It’s One of the Smartest Tax Moves You Can Make. The Roth IRA may be the best retirement savings vehicle available to the American investor today. Whether you are young or old, a white-collar worker or a business owner, this type of account is a fantastic investment choice. Special features like tax-free withdrawals and the lack…

How Do Interest Rates Impact Your Estate Plan?

Trusts When Interest Rates are High

Interest rates are at generational highs and the Federal Reserve will keep them elevated into 2024. Working with an advisor who understands how interest rates affect irrevocable trusts can save you money on taxes and boost their efficacy.  How Do Interest Rates Impact Your Estate Plan? Just as rising interest rates influence your investment portfolio,…

Investing Globally

Crystal Globe

After the tech bubble burst and markets bottomed on October 9, 2002, the U.S. stock market recovered over the next five years with a 121% gain. While that may sound enviable, foreign stocks doubled the U.S. market over the same stretch, generating a 237% return. Back then, it was almost heresy to suggest that investing overseas…

Retirement Plan Strategies for High-Income Earners

If you are a doctor, lawyer, thriving business owner, successful executive or another high-income earner, this thought has probably crossed your mind: How will I maintain my lifestyle once I retire—especially if I want to retire early? You’re not alone.   In this article, we’ll look at some retirement plan strategies for high earners that…

Retirement Spending Solutions

Jar of Coins Spilling Out

We hear from many clients who feel apprehensive when they start spending their retirement savings. It can feel unnatural after you’ve been focused on saving for decades. Or… maybe you can’t wait to spend!   Either way, it’s critical that you make the transition from saving to spending using strategic retirement income withdrawal strategies, ultimately prolonging your…

RWA’s Expertise: Financial Planning for Lawyers

As a successful attorney, you’ve dedicated yourself to serving the best interests of your clients. While you are an expert in your field, your time is limited and it’s natural for you, like most lawyers, to have far less expertise when it comes to managing your personal finances. That’s where an experienced wealth management team…