Estate planning is a topic that is commonly ignored. After all, who likes to plan for what happens after they die? Many people have no estate plan in place, and they often don’t know where to start. That’s where we step in.

There are lots of important numbers that you need to keep in mind. In some cases, those numbers are annual limits that change each year. Other times, the figures do not often change, but are used frequently.

Echo45 Advisors is now able to invest directly in select digital assets for our clients! We work with a third-party manager, Eaglebrook Advisors, and custody those assets with Gemini, a regulated digital assets custodian. This structure provides access to Cryptocurrencies in a way that clients have not had available to them in the past by working with an advisor to provide guidance from an estate and tax-planning perspective.

High inflation has been on everyone’s mind, and many are wondering what they can do to take action. Explore ways to address high inflation and set your financial expectations appropriately. Get ahead and be better prepared to provide thoughtful answers on this challenging topic.

There are lots of important numbers that you need to keep in mind for 2023. In some cases, those numbers are annual limits and change each year. This quick reference guide covers the most important annual limits as well as figures that are commonly referred to during the year.

With even the most comprehensive financial planning, there is no way to avoid unforeseen circumstances. When you encounter unexpected expenses, you often must be flexible and act promptly. It can be difficult to adapt without veering off course.

There are lots of important numbers that you need to keep in mind. In some cases, those numbers are annual limits and change each year. This quick reference guide covers the most important annual limits as well as figures that are commonly referred to during the year.

In the midst of the current global pandemic, there has been an increase in fraudulent and criminal activity. Now more than ever, you may be targeted financially through a variety of schemes. This checklist helps guide the conversation regarding common threats and scams, ensuring that you are informed and actively protecting your identity and assets.

Your life and health insurance policies are a key part of your overall financial plan. It’s important to review these policies each year to ensure that you have the coverage you need. If there are gaps, you can work on implementing proper coverage.

If you’re a business owner, you may be searching for retirement plan options that benefit you and your employees, without incurring burdensome costs or administrative complexity. SEP and SIMPLE IRAs can be great alternatives to 401(k)s, each offering attributes that could be attractive, depending upon your specific circumstances. Comparing these two options can be difficult, as there are multiple factors to weigh.

Business owners who are considering a retirement plan for their business have many options. While a traditional 401(k) is a well-known choice among business owners, there are many cases where other retirement plan options may be better suited for the business and the owner.

401(k)s and IRAs have many unique features that may be beneficial, depending on your circumstances. The decision to roll funds out of a former employer’s plan involves more factors than just fees and investment selection.

Buying a home is one of the biggest financial moves that you will ever make. There are a number of issues you should be aware of, including how the costs of purchasing and owning a home will impact your overall financial planning goals.

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There has been A LOT of talk with our clients on the proposed Biden administration tax policy. This may affect people VERY differently based on if you make UNDER or OVER $400k annually. Biden’s tax plan focuses on raising taxes on corporations and affluent households, while increasing credits for moderate-to-lower-income households.

When saving for retirement, our clients will often ask which account they should be making contributions to – a traditional IRA or a Roth IRA? The answer depends on several different factors that should be considered and discussed.

A traditional IRA is a great option for those who are looking to save for retirement in a tax-deferred account. However, there are many factors to consider when determining whether you are eligible to make contributions, and whether such contributions will be deductible or not.

Incentive Stock Options (ISOs) are a form of equity compensation, offering employees a share in the potential appreciation of a company’s value, with preferential tax treatment. If you have been (or will be) granted ISOs by your company, deciding whether and when to exercise ISOs and sell shares can be difficult and requires cash flow analysis, complex tax planning, and a long-term strategy.

Beyond the joy brought to parents from having or adopting a child, this is a huge financial transition in your life! There are a number of issues to consider including how the costs of caring for a child will impact both your short-term cash flow and long-term saving and wealth-building objectives.

When you receive a promotion or a raise at work, this change can come with a number of changes that might impact your financial situation. This change can have a great financial impact, and your planning can help make the most of this career advancement.