by Bryan Craig Wisda, CFP® EA | Jun 24, 2026 | Advanced Planning, Tax Planning, Wealth Transfer
If you have children or grandchildren born between January 1, 2025, and December 31, 2028, you have probably seen the headlines about Trump Accounts for children. The basic story sounds simple enough: eligible children may receive a one-time $1,000 federal...
by Bryan Craig Wisda, CFP® EA | Oct 30, 2025 | Advanced Planning, Financial Planning, Retirement Planning, Tax Planning, Wealth Management, Wealth Transfer
The problem SECURE created Before 2020, most non-spouse beneficiaries could stretch an IRA beyond 10 years by taking required minimum distributions (RMDs) over their life expectancy. A 40-year-old child might have had three decades to peel money out slowly. After...
by Bryan Craig Wisda, CFP® EA | 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 Craig Wisda, CFP® EA | 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 Craig Wisda, CFP® EA | Dec 6, 2024 | Advanced Planning, Retirement Planning, Tax Planning, Wealth Transfer
One of the most common questions I receive, as a CERTIFIED FINANCIAL PLANNER™️, from clients is about Roth conversions. With proper planning, converting traditional retirement accounts to Roth accounts can be a powerful tax planning strategy. Let me break down...
by Bryan Craig Wisda, CFP® EA | Sep 28, 2024 | Advanced Planning, Tax Planning, Wealth Transfer
With the expiration of the Tax Cuts and Jobs Act (TCJA) set for the end of 2025, significant changes to the tax landscape and 2026 tax brackets could be on the horizon. To effectively prepare, it’s crucial to understand how various tax provisions might shift and what...
