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Financial Planning Insights

Expert guidance on health coverage, protecting your income and building wealth, from our team of licensed advisors.

Showing 1–9 of 16 articles

Sep 18, 202621 min read

The CLARITY Act failed. Your payment rail didn't.

The Senate blocked the CLARITY Act on September 15. The payment half of the digital-asset question was never in that bill: the GENIUS Act is already law, four in ten US merchants already take crypto at checkout, and USDC is a setting inside Shopify and PayPal. Then the SEC and CFTC spent the rest of the week opening the capital-formation half by rule. Here is what a US business owner should do now, and what to get ready for.

Family

Aug 31, 20265 min read

The dental maximum you never get to spend

Every dental plan has an annual maximum, and on most plans your routine cleanings quietly spend it down before anything goes wrong. There is a plan design that stops that — and a second column in the benefit schedule that almost nobody reads before they buy.

Family

Aug 31, 20267 min read

Open enrollment 2027: the two dates that decide your health coverage

November 1 opens the Marketplace window for 2027 coverage, and December 15 — the date almost nobody circles — is the deadline for coverage that starts January 1. Here's the calendar for HealthCare.gov states, the life events that may open the door early, and what a premium tax credit actually is.

Family

Aug 28, 20267 min read

12 family money milestones to hit before year-end 2026 (in order)

A month-by-month checklist for parents — September through December — covering Trump Account contributions, 529 state deductions, the new federal benefits, year-end gifting, and the family tax moves most parents leave until April when April is too late.

Family

Aug 28, 20267 min read

The year-round family protection checklist

Family protection isn't a thing you do once and cross off forever. Here's the year-round checklist — plus the life events that should quietly trigger a coverage review — framed as ongoing maintenance, not another chore.

Family

Aug 28, 20266 min read

How much life insurance does a family actually need?

A plain-language framework for sizing life and disability coverage — income replacement, mortgage, childcare, education, and final expenses — plus term vs. permanent explained without the jargon. Build your own number, then check it in minutes.

Family

Aug 28, 20266 min read

The coverage gap most families don't know they have

The life insurance you have through work was designed to be a foundation, not the whole house. Here's how to find the distance between what you have and what your family would actually lean on — and why that number is knowable in a few minutes.

Family

Aug 28, 20266 min read

What happens in a Family Protection Review

A step-by-step walkthrough of the Family Protection Review — what we look at, how the unhurried process actually runs, and what you walk away with. Written so you know exactly what you're booking before you book it.

Family

Aug 28, 20268 min read

5 family tax credits most parents miss in 2026 (and how to know if you qualify)

The Earned Income Credit goes unclaimed by eligible families every year. The Child + Dependent Care Credit gets missed on summer camp and after-school care. Here are the five most-commonly missed family credits in 2026, plus a quick self-check for each.

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