Samuel Preine 
No one likes seeing an investment lose value. But in a taxable account, a loss can have a silver lining. Tax-loss harvesting means selling an investment that’s down, using the loss to reduce your taxes and reinvesting so your portfolio stays on track. Done well, it turns a market dip into a tax benefit. Done … Read more
Helping pay for a grandchild’s education is one of the most meaningful gifts a grandparent can give. It’s also one of the most tax-efficient. Utah’s my529 plan lets grandparents put money to work for a grandchild’s future, grow it tax-free for education and, if structured well, claim a Utah tax credit and reduce the size … Read more
There’s a moment many investors recognize. A sector is surging. A fund is outperforming. An investment seems to be winning everywhere you look. The urge to invest feels obvious. It feels less like speculation and more like catching up. That’s often recency bias in investing, and it can become one of the most expensive behavioral … Read more
Somewhere along the way, “trust” became a word people associate with wealth they don’t think they have. Trusts are for other people, the thinking goes: people with more complicated lives, more real estate, more zeros. Most of the time, that’s not really true. So, do you need a trust? The better question isn’t whether you’re … Read more
Most business owners have a will. Far fewer have answered the question that matters most for what they’ve built: what happens to the business itself if they’re suddenly not there to run it. For any company with more than one owner, the answer usually starts with a buy-sell agreement, and for every closely held business, … Read more
There’s a comforting myth about estate planning: that it’s a project with an end date. You meet with an attorney, sign the documents and check the box. Done. It doesn’t quite work that way. An estate plan is a snapshot of your life and the law at the moment it was written, and both keep … Read more
When people think about investing, stocks usually get all the attention. They’re exciting, discussed on the news and often responsible for the biggest gains in a portfolio. But if stocks are the engine of a portfolio, bonds are the suspension system. You may not notice them every day, but when the road gets rough, you’re … Read more
Retirement planning often sounds like it belongs in a different language. Acronyms everywhere. Rules buried in footnotes. And once your income climbs, the rules get stranger: you may earn too much to contribute to a Roth IRA, too much to deduct a Traditional IRA and still have good reasons to use both. This guide walks … Read more
For many retirees, the years between leaving work and starting required minimum distributions are the lowest-tax years they’ll ever have. The paycheck has stopped, Social Security may not have started and the IRS hasn’t yet required withdrawals from traditional IRAs and 401(k)s. A Roth conversion before RMDs uses that window to move money into tax-free … Read more
At first glance, February looked quiet. The S&P 500 ended the month essentially flat. Beneath the surface, though, meaningful rotation was underway. In this February 2026 market update, we look at why market leadership is broadening, what we expect from interest rates and how trade policy, sentiment and oil prices fit into the picture. Key … Read more