Events

We welcome you to join us for a discussion on the current environment for investors, along with our views on longer-term risks to retirement portfolios. We’ll also cover strategies we use with clients to mitigate these risks and take advantage of the opportunities they present. We will cover many topics, including:

• The current investing environment: The economy, inflation, equities/stocks, and fixed income/bonds
• Systemic risks and opportunities informing our long-term outlook
• The potential outcomes faced by investors & investment strategies to prepare for them

Would you rather see your money in the hands of the IRS, or a charitable cause that truly means something to you? You may have more control over where your wealth goes than you think. Our Planned Giving Seminar will teach you how to redirect thousands in tax dollars to charitable contributions and still retain as much wealth—if not more—in the long run.

Planned Giving doesn’t require that you spend less on yourself or give your kids less. Most people with a net worth of over $1M will pay well into the six figures in taxes. It means to instead give some of that money to charity—not the money you need to live on.

Join us to learn strategies for redirecting what otherwise might go to the IRS to the charities you support. We’ll discuss:

• How to get tax benefits now for gifts that are made to charity sometimes in the future

• How to avoid tax on RMD's (required withdrawals from IRAs and 401ks)

• How to get certain benefits of trusts (probate avoidance, creditor protection, control over when kids get money, etc.) without the costs of setting up a trust

• Donor Advised Funds, Dynasty Trusts, and Capital Gains Bypass Trusts

If you have the opportunity to draw on Social Security or enroll in Medicare in the next 10 years, join us for a workshop designed to help you maximize your Social Security and Medicare benefits. Erin Scannell, CFP, CLU, ChFC, AAMS, CEO of Heritage Wealth Advisors—the #3 ranked team in Washinton State by Forbes—partners with benefits expert Laci Moyer, CFP, RHU, VP of Life & Benefits for PHE, to answer questions about top strategies for optimizing the benefits from both systems, as well as avoiding common mistakes.

Healthcare is one of the biggest expenses of our lives, and the top expense of retirement, according to AARP1. The average 65-year-old couple will spend $345,000 in healthcare and medical expenses over the course of their retirement, according to Fidelity2. Still, many people don’t do a lot of extensive planning before filing for Social Security and Medicare. But with all the minutiae and technicalities around these processes, it’s essential to take a proactive approach to evaluating the options and how they fit in with your retirement income.

During the workshop we’ll cover:

• Social Security basics and top strategies like restricted applications, suspending benefits, the “do-over,” and the Survivor Reset
• The various Medicare plans and how they’re different: Part A, Part B, Part D, Medigap, and Part C
• Case studies on the benefit increases our actual clients have seen with these strategies

One of our financial planning principles is that how much income you have is less important than how much of that income you can keep after taxes and fees. And what we find is that most of our clients have more control over how much of their income they get to keep than they had previously realized. If you’re not already executing strategies like tax swapping, intra-family loans, upstream/downstream gifting, or Tax Holidays to help reduce your tax burden, our free tax planning workshops are an effective way to explore whether to add proactive strategies to the tax work that’s already being done when filing your returns.

In our Year-End Tax Strategies workshop, we’ll cover the tactics that we have found may help make the biggest impact on reducing our clients’ tax burden—specifically, strategies you may be able to take advantage of before the year is over. RSVP to learn:

• How to get tax benefits from the volatility of the stock market
• The “window” of time we have before tax rates go up• “Stacking” deductions in 2026 for a potentially bigger tax break
• How some taxpayers get tax deductions for buying certain SUVs
• Required Minimum Distributions: How to reduce or even avoid the tax on required distributions from IRAs and 401ks
• How to put in $36,250 above the typical 401k limit through catch-up and after-tax contributions
• How the backdoor Roth IRA works
• How to set up a Tax Holiday
• Whether to use your HSA or FSA
• Whether to do upstream or downstream gifting to take advantage

One of our financial planning principles is that how much income you have is less important than how much of that income you can keep after taxes and fees. And what we find is that most of our clients have more control over how much of their income they get to keep than they had previously realized. If you’re not already executing strategies like tax swapping, intra-family loans, upstream/downstream gifting, or Tax Holidays to help reduce your tax burden, our free tax planning workshops are an effective way to explore whether to add proactive strategies to the tax work that’s already being done when filing your returns. In our Year-End Tax Strategies workshop, we’ll cover the tactics that we have found may help make the biggest impact on reducing our clients’ tax burden—specifically, strategies you may be able to take advantage of before the year is over. RSVP to learn:

• How to get tax benefits from the volatility of the stock market
• The “window” of time we have before tax rates go up
• “Stacking” deductions in 2026 for a potentially bigger tax break
• How some taxpayers get tax deductions for buying certain SUVs
• Required Minimum Distributions: How to reduce or even avoid the tax on required distributions from IRAs and 401ks
• How to put in $36,250 above the typical 401k limit through catch-up and after-tax contributions
• How the backdoor Roth IRA works
• How to set up a Tax Holiday
• Whether to use your HSA or FSA
• Whether to do upstream or downstream gifting to tax brackets

Would you rather see your money in the hands of the IRS, or a charitable cause that truly means something to you? You may have more control over where your wealth goes than you think. Our Planning to Give workshop will teach you how to redirect thousands in tax dollars to charitable contributions and/or family and still retain as much wealth—if not more—in the long run.

Planned Giving doesn’t require that you spend less on yourself or give your kids less. Most people with a net worth of over $1M will pay well into the six figures in taxes. It means to instead give some of that money to charity or family—not the money you need to live on.

Join us to learn strategies for redirecting what otherwise might go to the IRS to the charities you support. We’ll discuss:

• How to get tax benefits now for gifts that are made to charity sometimes in the future
• How to avoid tax on RMD's (required withdrawals from IRAs and 401ks)
• How to get certain benefits of trusts (probate avoidance, creditor protection, control over when kids get money, etc.) without the costs of setting up a trust
• Donor Advised Funds, Dynasty Trusts, and Capital Gains Bypass Trusts

The key to influencing your tax burden is to diversify your income sources. That’s because ordinary income (W2, 1099, etc.) is taxed at a higher rate than any other source—and it’s why most Americans, regardless of their net worth, generally have a higher tax rate than most billionaires. Their wealth is generated through things like capital gains, dividends, and real estate interest, which all have lower tax implications than ordinary income; and they have an intentional tax plan that adjusts where they invest.

Diversifying money based on the way it will be taxed is a critical step in developing an effective tax strategy. That’s why with our clients, we’re focused on how to better take control over the taxes they pay on that income—specifically by help creating streams of income that are tax-free.

We’ll discuss this in detail in our virtual Creating Tax-Free Retirement Income workshop, including:

• Investments that may provide recession-proof income

• 3 vehicles that may provide Tax-Free Retirement Income

• While Roth IRAs have contribution limits of $7,500/year, learn which other vehicles have no limits

We welcome you to join us for a discussion on the current environment for investors, along with our views on longer-term risks to retirement portfolios. We’ll also cover strategies we use with clients to mitigate these risks and take advantage of the opportunities they present. We will cover many topics, including:

• The current investing environment: The economy, inflation, equities/stocks, and fixed income/bonds
• Systemic risks and opportunities informing our long-term outlook
• The potential outcomes faced by investors & investment strategies to prepare for them

The concept of passive income goes beyond typical income streams. While passive income streams do generally need to be managed, they don’t require hours clocked, a job worked, or a business to run. When built intentionally, these income streams aren’t affected by day-to-day stock market movements—so there’s no need to worry about the state of the markets or recessions. We find that the most effective passive income streams are designed to be reliable and consistent, to outpace inflation, and are recession-proof.

That’s why for many of our clients, the goal of creating multiple streams of income that pay to them—regardless of whether they work, or whether we’re in an up or down market—is central to their plan. And in our virtual Building Better Passive Income Streams workshop, we will look at major strategies we use with our clients to help them produce secure, sustainable, lasting income—income that can pay even during times of recession, as well as outpacing inflation. We’ll cover:

• Investments that are producing healthy income
• Investments that may provide recession-proof income
• Investments that produce income that has historically outpaced inflation (a key factor, as inflation is still lingering above the Fed’s target rate)
• What the large endowments are investing in to produce better income

Having a tax-smart estate plan can be the difference between losing a small fraction of your estate to taxes, or a significant percentage. The U.S. tax code is complex, but it’s also filled with opportunities to influence how your assets will be impacted by the Federal estate tax, state estate tax, income tax, probate, and other costs that often trigger at the time of death.

Join us to learn how you can protect your assets and your heirs in our Estate Planning virtual event. We’ll share strategies to help balance simplicity and effectiveness, that can provide protections in the case of sickness or incapacitation, and that can help reduce taxes, which have helped many of our clients make a larger impact on their family and/or the charities they support.

• The basics: Strategies for preserving your estate and avoiding probate
• Advanced: Strategies to help reduce taxes
• Easy wins: Strategies that can be used now without the need of an attorney
• Planned Giving: Strategies for how to save taxes and give more charity without reducing what goes to kids

One of our financial planning principles is that how much income you have is less important than how much of that income you can keep after taxes and fees. And what we find is that most of our clients have more control over how much of their income they get to keep than they had previously realized. If you’re not already executing strategies like tax swapping, intra-family loans, upstream/downstream gifting, or Tax Holidays to help reduce your tax burden, our free tax planning workshops are an effective way to explore whether to add proactive strategies to the tax work that’s already being done when filing your returns.

We’re going to take time during this workshop to help you plan ahead and take advantage of top tax strategies that have a deadline of April 15. Join us on Friday, February 27, at 10am PT as we share top strategies to action on prior to Tax Day. We’ll cover:

• Funding tax shelters for 2025 (IRA, Roth, SEP, Solo 401k, Simple, HSAs, etc)
• Getting on track to fund tax shelters for 2026
• Commonly missed tax shelters
• Impact and timing of “The One Big Beautiful Bill”