Market Perspectives
The Federal Reserve recently raised interest rates for the first time in three years, and this moment calls for perspective more than alarm. This latest 0.25% hike to a target range of 3.75%–4.00% is a direct response to cost-push inflation driven by elevated oil prices and the ongoing conflict in Iran. While headlines may tempt you to react, the data tells a different story: markets and interest rates have risen together before, and long-term investors who stay the course have consistently come out ahead. In this month’s commentary, I break down what the Fed’s decision actually means, what it does not mean, and why your long-term financial plan remains your most powerful tool.
Financial Planning Considerations
For many, open enrollment season is approaching, and the decisions you make in the next few weeks and months can have a lasting impact on your financial plan. From retirement contributions and health insurance elections to life insurance, disability coverage, and equity compensation, employer-provided benefits are one of the most overlooked areas of financial planning. This checklist walks through the key questions to ask and considerations to weigh so you can make informed elections that align with your unique goals and tax situation. Whether you are considering new elections for the first time or taking a fresh look at your current coverage, this guide is your starting point.
A recent rule change just made grandparent-owned 529 plans significantly more attractive. Grandparent-owned 529 distributions no longer count against a grandchild’s financial aid eligibility, removing one of the last remaining drawbacks to this strategy. In this article, I break down how these plans work, what the rule change means in practice, and why now may be the right time to open one.
Tax Planning Insights
Tax rules are moving fast this year, and a few recent developments are worth your attention before year-end. This document covers six updates that could affect your tax situation: revised IRS standard mileage rates now in effect for the second half of 2026, a new schedule required for taxpayers claiming certain refundable credits, a first-time penalty relief provision that could save you if you slip up after years of clean filings, and the permanent elimination of beneficial ownership reporting under the Corporate Transparency Act. I also highlight expanded IRS online tools to help you manage your tax account more efficiently. Read on for a breakdown of what changed and what it means for you.
