When developing a succession plan for your business, you must make many decisions. Should you sell your business or give it away? Should you structure your plan to go into effect during your lifetime or at your death? Should you transfer your ownership interest to family members, co-owners, employees, or an outside party? The key […]
One of our Directors recently had the distinction of serving on a panel at the 2024 Titan Investors Active Exchange, where the panel addressed macroeconomic “Mega Trends”, such as AI (artificial intelligence), the transition and build-out of the energy grid to accommodate the anticipated surge in demand, and the “reshoring” of the global supply chain. […]
Are you tired of feeling like just another number? We get it. We believe that without proper support, it’s hard to simultaneously grow your business and serve your clients as you would like. Such a rudimentary business model might pass at some firms, but not here. The Per Stirling difference begins with our highly selective […]
Generally, you can join any state’s 529 savings plan. Why might you want to shop around? Some plans may be more appealing, for a variety of reasons. Here’s one way to approach this question. First, find out if your state offers any state tax benefits for 529 contributions or withdrawals, and whether those benefits are […]
Generally speaking, as much as possible. You need to build a fund that you’ll be able to draw on for much of your retirement income. Believe it or not, this may be possible if you start early and make smart choices. Contribute as much as you can to tax-advantaged savings vehicles [e.g., 401(k)s, IRAs, annuities]. […]
When news outlets or pundits on TV announce, “The stock market made another all-time high today!” it can often spark mixed emotions. If you are currently invested, great, but if not, then looking to invest at that point can lead to a bit of anxiety among certain investors. The fear of “buying at the top” […]
What would you do with an extra $10,000? Maybe you’d pay off some debt, get rid of some college loans, or take a much-needed vacation. What if you suddenly had an extra million or 10 million or more? Now that you’ve come into a windfall, you have some issues to deal with. You’ll need to […]
Perfect Balance Aristotle described it as the “Golden Mean”; Goldilocks described it as “not too hot and not too cold” and, if asked, the Federal Reserve would likely describe it as the perfect equilibrium between employment and inflation. These two factors are arguably opposite sides of the same coin, as a strong economy is […]
Handling your finances can be overwhelming. It can be hard to separate your money from emotions, potentially leading to issues such as overspending and ignoring debt. Many people also lack the knowledge and experience to make the most informed decisions. Even if you think you’re doing the right thing with your money, it can help […]
Are health insurance premiums taking too big of a bite out of your budget? Do you wish you had better control over howyou spend your health-care dollars? If so, you may be interested in an alternative to traditional health insurance called ahealth savings account (HSA). How does this health-care option work? An HSA is a […]
