by Bryan Wisda, CFP® | May 3, 2025 | Wealth Transfer
In the world of financial planning, few instruments are as misunderstood—or as deceptively complex—as the non-qualified annuity. The non-qualified annuity inheritance pitfalls are significant. Often sold under the banner of “tax-deferred growth” and “guaranteed...
by Bryan Wisda, CFP® | Feb 26, 2025 | Advanced Planning, Tax Planning, Wealth Protection, Wealth Transfer
Key Takeaways: A strategy known as “decanting” could potentially allow you to alter the terms of an irrevocable trust. Decanting can be used to remove a beneficiary, to split one trust into two trusts, and for other purposes that align with...
by Bryan Wisda, CFP® | Feb 25, 2025 | Relationship Management
It’s that magical time of year again! The birds are singing, the flowers are blooming, and anxious clients are calling us wondering where their tax documents are. If you’re one of those clients (we still love you), this post is for you. The Mystery of the...
by Bryan Wisda, CFP® | Feb 21, 2025 | Relationship Management
If you wouldn’t trust a postcard with your sensitive info, you might want to rethink email… Here’s why. Imagine sending a postcard from your home to a friend in some other part of the country. First, you drop off the postcard at the local post office. One...
by Bryan Wisda, CFP® | Feb 17, 2025 | Advanced Planning, Tax Planning
Healthcare Enhancement for Local Public Safety Retirees Act (HELPS) For retired law enforcement officers (LEOs) and firefighters, tax season brings a unique opportunity to lower taxable income thanks to the Healthcare Enhancement for Local Public Safety Retirees Act...
