Personal Finance

Introduction — Roth catch-up contributions 2026 If you or your clients make 401(k) catch-up contributions and earn a high W‑2 salary, 2026 is a turning point. Under the SECURE 2.0 Act, many age-50+ savers will be required to make catch-ups as Roth, changing tax timing, payroll operations, and plan design. Here’s the practical, tech-forward playbook … Read more

Introduction — College Entrance Exams College entrance exams are more than tests—they’re levers that move real money. As a financial advisor, I treat the SAT, ACT, and CLT like investment options: each has costs, probabilities, and upside in the form of admissions, merit aid, and long-term earnings. This guide blends data, practical tactics, and tech-forward … Read more

Introduction — Booking.com Credit Card: A Tech-Savvy Advisor’s Take Travel is a line item in your personal P&L. The right card is a lever for ROI, not a souvenir. The Booking.com Credit Card can be a tactical fit for deal hunters and frequent Booking.com users—if you use it with clear goals, automation, and disciplined redemption. … Read more

FAFSA deadlines for financial aid 2025-2026 Deadlines drive dollars. If you want the highest ROI on college funding, treat the FAFSA like a mission-critical filing—because it is. Below, I’ll walk you through FAFSA 2025-2026 dates, how federal and state timelines intersect, and the tech-enabled tactics my advisory team uses to help families capture every eligible … Read more

Introduction — Shop Your Way Mastercard discontinued Credit card portfolios evolve, but smart investors and consumers use change to their advantage. With the Shop Your Way Mastercard discontinued and expected to be rebranded, the question isn’t “What did I lose?”—it’s “How do I get ahead?” Here’s the playbook I’m giving clients right now, backed by … Read more

Introduction — SBA Loan Bankruptcy When a business hits turbulence, the interplay between SBA loans, personal guarantees, and bankruptcy law can determine whether you recover or surrender years of hard-won equity. As an advisor who blends human judgment with data-driven tools, I’ll demystify SBA loan bankruptcy so you can make confident, ROI-focused decisions—whether you’re an … Read more

Introduction — Transferring Colleges Transferring colleges isn’t just an academic decision—it’s an investment allocation choice with multi-year cash flow impacts. As a financial advisor who pairs human judgment with tech-forward analytics, I’ll show you how to model the college transfer process like a portfolio rebalancing event: minimize friction (lost credits, fees), maximize ROI (aid, scholarships, … Read more

Maximize Your Returns: Tax Deductions for Tuition and Student Loans In today’s rapidly evolving financial landscape, understanding education tax benefits such as tax deductions for tuition and student loans isn’t just a perk—it’s a necessity for maximizing client portfolios. By leveraging these benefits, finance professionals can enhance their service delivery, optimizing both client satisfaction and … Read more

Introduction — Gerber Life Insurance policy for college Parents and planners ask me weekly: Can a Gerber Life Insurance policy for college meaningfully fund tuition? As an advisor who pairs fiduciary discipline with AI-backed planning tools, I’ll demystify how cash value, loans, and withdrawals work—and when a policy helps or hurts your college funding strategy. … Read more

Introduction — Bilt Rewards Etihad Guest transfer: Why this move matters If you care about ROI, opportunity cost, and real-world travel utility, the Bilt Rewards Etihad Guest transfer can be a high-yield play. Done right, it converts everyday spend (even rent) into premium cabin travel without premium cash outlay. Below I break down an advisor-grade … Read more