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The future you want, the money to do it.
Education is a key component of our planning and investment process. We share our expertise with you through our blog so that you can have a deeper understanding of your finances and the decisions surrounding them.
The Latest From Our Blog
A Pre-Retiree’s Year-End Tax Planning Checklist: 5 Strategic Moves
While the last few months of the year are dedicated to holiday shopping, family gatherings, and time spent with loved ones, consider making room in your schedule to check on your finances. As you prepare for retirement, these last several weeks of the year present a critical opportunity to adjust contributions, rebalance accounts, and fine tune...
3 Required Minimum Distribution (RMD) Tax Strategies
Once retirees reach age 73 (as per the latest SECURE Act changes), they must start taking Required Minimum Distributions (RMDs) from tax-deferred accounts such as 401(k)s and traditional IRAs. Failure to comply can result in hefty penalties. Understanding and managing RMDs is important to maintaining tax efficiency and financial stability....
Family Legacy Planning: What You Can & Can’t Control
Legacy planning can feel overwhelming when you consider all the variables that might affect your family's future, including market ups and downs, tax law changes, family dynamics, and economic uncertainty. The key to family legacy planning is understanding which factors you can control and which you cannot.1 Whether you're approaching retirement...
6 Headlines & How They’re Shaping Our Q4 Market Outlook
Trade tensions, renewed geopolitical negotiations, mixed signals from the banking sector, and the U.S. government shutdown are creating noise around the Q4 market outlook. Meanwhile, the prospect of near-term Federal Reserve rate cuts and resilient corporate earnings are balancing sentiment. Credent’s Investment Policy Committee (IPC) continues...
Build a Charitable Giving Strategy That Protects Your Legacy
After decades of building wealth, you may wonder how your assets can support the causes you care about, whether that's your local children’s hospital, alma mater, or food bank, creating a legacy you’re proud of. The big question is: Does your charitable giving strategy align with the legacy you want to leave while ensuring your family’s future...
Estate Planning? Consider These Frequently Asked Questions
Many individuals put off planning their estate. Perhaps this is due to a misconception that estate planning is only necessary for the wealthy or only involves tax planning, which can be done “later.” Or perhaps people get caught up in the frequently asked questions of estate planning, overwhelmed and unsure what to do first. The fact is,...
What to Know After the Fed Rate Cut Announcement
A week ago, the Federal Reserve cut interest rates by 0.25%, as expected. What should investors know after this Fed rate cut announcement? What’s happened in the markets, what are experts watching, and how should people invest moving forward? The fact that the Fed cut rates “as expected” is notable. The market outcomes have proven to be nothing...
Asset Location Strategy: A Tax Concept Most Investors Never Consider
When planning for retirement, most families focus on building a well-diversified portfolio. In fact, you may have spent countless hours discussing asset allocation with your advisor, making sure you have the right balance for your age and risk tolerance. But did you know that where you hold these investments — your asset location strategy — can...
5 Tax Mistakes Costing Retirees & Pre-Retirees Thousands
Many pre-retirees approaching retirement focus exclusively on accumulating wealth while overlooking a crucial factor that could cost them: inefficient tax planning. A well-executed tax strategy that avoids common tax mistakes can save thousands of dollars in retirement.Social Security benefits become taxable when your combined income (adjusted...
7 Ways to Minimize Next Year’s Tax Burden
Tax season can be a stressful time for many people, especially if you're not fully prepared. However, with some advance planning and preparation, you can take steps to minimize your tax burden for the coming year. Here are 7 things you can do now to trim your tax bill.Contributing to a retirement account such as an Individual Retirement Account...










