by Almega Wealth Management | Dec 13, 2025 | Wealth Management
It is not uncommon for people considering Almega Wealth Management to ask whether we serve as a fiduciary. The answer is yes—yet the word “fiduciary” gets used so casually in our industry, it begins to lose meaning. Less than 5% of financial professionals are True...
by Bryan Wisda, CFP® | 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 Wisda, CFP® | Sep 2, 2024 | Advanced Planning, Tax Planning, Wealth Management, Wealth Transfer
This is a game-changer for married couples residing in Kentucky with assets with significant capital gains. As a certified financial planner, I’m always looking for strategies to help my clients optimize their financial futures. Today, I’m excited to share...
by Almega Wealth Management | Sep 26, 2023 | Wealth Management
The implications of financial advisor fee structures significantly impact the nature and integrity of the advice provided, potentially influencing portfolio performance, long-term financial objectives, and overall return on investments. The selection of a financial...
by Bryan Wisda, CFP® | Sep 26, 2023 | Advanced Planning, Financial Planning, Retirement Planning, Wealth Management, Wealth Transfer
Oh, the joys of federal ERISA law! Let’s dive deep, shall we? First and foremost, for those caught up in the world of ERISA-covered plans (pension plans and 401(k) type plans, including 403(B), 457, 412(i), and other employer-sponsored retirement plans),...
by Bryan Wisda, CFP® | Apr 6, 2023 | Relationship Management, Wealth Management
When wealthy individuals establish trusts they often appoint friends or family members to serve as trustees after they pass away. If you are a trustee you become responsible to oversee investment management, distributions, and trust administration. But these friends...
