Open enrollment is often treated as an administrative task: select a health plan, confirm beneficiaries, and submit the form before the deadline. For affluent households, that approach is incomplete. Benefit elections affect taxable income, household cash flow, liquidity, risk exposure,
In the complex landscape of 2026, high-net-worth individuals and families face an increasingly intricate regulatory and tax environment. While many believe a standard will or a basic revocable trust provides sufficient protection, the reality for estates exceeding $1 million in
For the high-net-worth business owner, the enterprise is often more than a source of income; it is the culmination of a lifetime of intellectual capital and disciplined risk-taking. However, as we navigate the complexities of 2026, the transition of that
As we navigate the mid-point of 2026, the American financial landscape is witnessing an unprecedented phenomenon: the “Great Wealth Transfer.” Estimates suggest that over $84 trillion will transition between generations over the next two decades. For high-net-worth (HNW) individuals with
The regulatory landscape governing retirement planning is undergoing a significant transition. Under the SECURE 2.0 Act, high-income earners face a mandatory shift in how they execute catch-up contributions to their employer-sponsored retirement plans. Originally slated for an earlier implementation, the
For technology professionals in Boulder and across the Front Range, the trajectory of a career is often punctuated by a defining financial milestone: the liquidity event. Whether through an Initial Public Offering (IPO), an acquisition, or a secondary market tender
What Your CFP® Is Really Doing When They Talk About Taxes When your CFP® talks about a Roth conversion, they help you decide if paying taxes now could lower your taxes later. When they discuss selling assets that have appreciated
One of the most popular “temporary” pandemic benefits is now here to stay. The “Big Beautiful Bill” (OBBBA) permanently extends the ability for employers to make tax-free contributions toward employee student loans. From Temporary to Permanent Before 2020, any student
Health Savings Accounts (HSAs) were a hot topic in the drafting of the “Big Beautiful Bill” (OBBBA). While the original House version proposed major changes, the Senate pared it back, leaving just two notable reforms in the final law. More
The “Big Beautiful Bill” (OBBBA) made significant changes to how families can use 529 plan funds. These updates broaden what counts as a “qualified education expense,” giving families and professionals more flexibility in how they use these savings. Expanded K–12
The “Big Beautiful Bill” made a key change to the Paid Family and Medical Leave (PFML) Tax Credit, extending and expanding it in ways that affect both employers and employees. Permanent Extension Previously set to expire at the end of
Families with children will see some important changes to the Child Tax Credit starting in 2025. Here’s what you need to know: A Bigger Credit in 2025 The Child Tax Credit was set to shrink from $2,000 per child down
