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

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

Couple Discussing Retirement Plan

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 you…

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…

4 Ways to Maximize Your Equity Compensation

People Reviewing Stats

Stock options have become a larger part of our clients’ overall compensation in recent years—but how employers structure their offering varies widely and maximizing the benefit can be tricky.   We’ve touched on the basics of employment-based stock options in the past. There are several different types of options, including Incentive Stock Options (ISOs), Non-Qualified Stock Options…

HSA Spells Tax-Free Investing

Tax Max to Min

It might seem like the holy grail every investor is looking for: A way to shelter a portion of your income for spending later in life—without having to pay taxes on it, unlike with an IRA. What’s the vehicle that can make this a reality? A health savings account (HSA). If you qualify, HSAs are worth…

Estate-Planning Checklist: Must-Haves

Notebook and Calendar

Drawing upon Adviser Investments’ decades of experience, our comprehensive estate and legacy planning checklist includes a glossary of key terms and identifies five critical estate planning must-haves. Once completed, your final wishes will be honored and your family will be unburdened, with appropriate time to grieve instead of picking up the pieces you left behind….

Advanced Trusts: 4 Ways to Protect Your Estate

People at Table Discussing Estate Planning

Traditionally, when we talk about estate planning tools, we focus on revocable trusts—an incredibly important and versatile wealth management tool. But that’s not the end of the story. In some cases, an irrevocable trust may be more appropriate for your needs. Today, we look at four types that can come in handy.   Irrevocable Life Insurance Trust (ILIT). An ILIT is…