Insights
When is it time to get a new financial advisor?
There are many reasons someone may decide it’s time to work with a new financial advisor.A strong advisor relationship is about more than managing investments. It’s about ongoing communication, thoughtful…
When losing is winning?
Long-short direct indexing can be a powerful planning tool for someone anticipating a large capital gain. Understanding your time horizon, the risks of leverage, and how the strategy can be…
I still own millions in my former employer’s stock. How do I get out of a jam?
Holding a significant amount of company stock can create both tax and risk management considerations. Understanding how much of your net worth is tied to one company and how it…
Are annuities really that evil?
Annuities can have a role in a financial plan when the trade-offs make sense for a client’s unique situation. In the right circumstances, an annuity can help provide guaranteed lifetime…
What does your financial planner really do for you?
Financial planning goes beyond investments, taxes, and insurance. Having a plan can provide peace of mind, help clients better understand their cash flow, and give them more confidence when making…
How do I get money into a Roth IRA if my income is above the IRS limit?
For those who can no longer fund a Roth IRA directly, there are still several ways to get dollars into a Roth environment. From Roth 401(k) contributions and backdoor Roths…
Who is really managing your money?
Portfolio management can take many different approaches, but sometimes simpler is better. A disciplined strategy can provide diversification while keeping clients invested and helping them understand why their money is…
Are Health Savings Accounts a good deal and how should you use them?
An HSA can be used for current medical expenses, but it can also be a valuable tool for retirement. If cash flow supports it, allowing those dollars to remain invested…
Is Your Estate Plan Still Aligned with Minnesota’s Tax Rules?
For many Minnesota families, estate tax planning can feel like something that only applies to the ultra-wealthy. But that is not always the case. Between retirement accounts, investment portfolios, business…
Helping the Next Generation—With Purpose and Guardrails
Many families we work with reach a pivotal point: “We’ve built meaningful wealth, our retirement is secure, and given how expensive almost everything feels, especially homes, you begin asking, “How…