April Wealth Thought Leadership
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The Difference Financial Planning Can Make

Financial planning can have many definitions. It can relate to your business, your finances, or your family in general. This exercise provides a road map of where you have been financially, where you are, and where you want to go. I am often asked how frequently I should partake in this exercise, and my answer…

A calculator and coins.

Understanding Interest Rates in the U.S. and How They Affect Deposits, Lending, and Mortgages

Interest rates play a pivotal role in the U.S. economy, influencing everything from consumer spending to business investments. These rates determined mainly by the Federal Reserve (“the Fed”), directly affect the cost of borrowing and the returns on savings. For individuals and businesses, understanding how interest rates rise and fall—and the ripple effects these changes…

Introduction to Digital Asset Investments

Introduction to Digital Asset Investments

Since the emergence of Bitcoin in 2009, digital assets have gained popularity at an exponential rate. Digital assets encompass a wide range of electronically created and stored items that hold value, including cryptocurrencies, tokens, and digital collectibles (Smith, 2025). At the core is blockchain technology, which utilizes encryption techniques to ensure the authenticity of digital…

Women Entrepreneurs: Breaking Barriers and Redefining Success
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Women Entrepreneurs: Breaking Barriers and Redefining Success

Women entrepreneurs are transforming economies worldwide, driving innovation, and overcoming systemic barriers to success. In 2024, women-owned businesses accounted for 39% of all businesses in the U.S., employing 12.2 million workers and generating $2.7 trillion in revenue1. Despite these achievements, women entrepreneurs continue to face challenges in accessing capital, securing industry representation, and gaining visibility.

A woman using a laptop and a calculator.

Women & Wealth: The Duality of Money

According to McKinsey, the great wealth transfer is upon us and American women stand to control approximately $30 trillion by 2030.1 This shift in wealth presents opportunities and challenges for female investors and financial decision-makers, and understanding our biases, emotions, and financial behavior about money will help us manage our wealth and teach the next generation the importance of financial responsibility.

Two men using laptops and tablets.

Turbulence Ahead: Stay Informed and Prepared in Tax Planning

Now is the time to prepare for the potential volatility ahead in 2025 tax planning. With massive tax increases scheduled for year-end, this may be the most consequential year for tax legislation since the 2017 Tax Cuts and Jobs Act (TCJA). As the TCJA sunsets, increases to marginal tax brackets, decreases to gift and estate…

A woman looking out a window.

Steps To Take in The Face of Federal Loans and Grants Uncertainty

The nonprofit sector found itself in unprecedented territory on January 27, 2025, when the Office of Management and Budget issued a memo announcing a pause on all federal grants and loans. Many nonprofit organizations rely on federal funding to support their missions, provide lifesaving aid and resources to their communities, and bolster their operations. Though…

A man and a woman having a conversation.

Advisory Solutions: Transforming Offerings with Integrated Solutions

According to DeVoe and Company, 2024 saw the highest number of transactions in the RIA space (269), with Q4 recording the most reported deals ever (78) in a single quarter.1 Even Robinhood’s recent acquisition of TradePMR signals the strategic positioning among advisory firms. This massive migration to the independent RIA model, many of whom are transitioning from traditional, full-service models, signals significant advisory trends shaping wealth management solutions’ current and future state. 

Social Security Changes in 2025: What You Need to Know

Social Security Changes in 2025: What You Need to Know

The Social Security Administration (SSA) has announced significant changes for 2025, reflecting ongoing efforts to adjust the program in response to inflation, wage growth, and evolving economic conditions. These updates include a higher cost-of-living adjustment, revisions to the earnings test thresholds, and increases in maximum benefits. Here’s a comprehensive look at the major updates. Cost-of-Living…

Three business workers having a discussion.
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Key Policy Changes in 2025 Impacting Your Financial Planning

As 2025 approaches, policy shifts under a new Trump administration are taking shape. For investors, understanding the new tax, healthcare, and retirement landscape is crucial to navigating the future. Here are some of the most impactful potential policy changes and how they may influence your financial planning. Tax Reform One primary goal is the continuation…