Our advisors utilize their experience and expertise and that of their colleagues to develop the best solutions for your complex personal and professional financial situations.
Actionable planning strategies to inform and guide your decision-making.
July 1, 2021
We believe priority should be given to identifying ways to enjoy it and use it as a tool to accomplish other life goals or objectives. For some, taking time off from work to travel or simply change gears for a while is top of mind.
For others, the ability to work differently, such as start a company, work in an entrepreneurial setting, or change industries, would be a dream come true. Often, all of these options are completely doable. The key is to work with an advisor to help you outline a clear picture as to what it will look financially and determine what works and what doesn’t.
We find that financial modeling of various scenarios (including stress testing) around life expectancy, investment returns, and income and spending assumptions, etc., can serve as an effective roadmap and help clients make big decisions with confidence. In addition to solving the money equation, it’s also important to think through and successfully navigate insurance coverage, tax withholdings, and logistics around cash flow from month to month during a work hiatus. Moreover, low-income years may present financial planning opportunities, such as taking advantage of Roth IRA conversions at low tax rates or reducing a concentrated stock position at more favorable capital gains tax rates. You’ll want to work with someone who is not only equipped to help you plan for the long term but also proactive year-to-year to help you take advantage of tax and other planning opportunities along the way.
Please read important disclosures here.
Aaron is a Partner based in the San Francisco office. He provides comprehensive investment and planning advice to individuals. While Aaron works with a wide...
Ben Pace, Christian Thwaites and James Lebenthal
February 2, 2023 — Markets have recently been and will continue to be driven by three key influences: monetary policy primarily emanating from the Federal Reserve, China’s COVID reopening and the growth potential therein, and the earnings and guidance reported by leading S&P 500 firms. While we remain cautiously optimistic that inflation will continue to abate, rates will stabilize, and the global economy will not fall into recession, the market’s assessment of the three key influences will determine the short-to-mid-term path forward.
January 31, 2023 — Global equity prices rallied in January, as inflation continued to recede and investors’ hopes mounted for an end to central bank tightening cycles.
Michael B. Fischer and Frederic Behrens
January 22, 2023 — As part of Tax Cuts and Jobs Act of 2017, the U.S. federal estate tax exemption amount increased to approximately $12.92 million per individual or $25.84 million per couple (2023). As a result, many families are no longer subject to federal estate tax due to the high estate tax exemption amounts. However, several individual states […]
Steven J. Giacona
Partner & Market Leader
January 10, 2023 — As a CPA and financial advisor, clients often ask me for ways to reduce taxes. Since the enactment of the Tax Cuts and Jobs Act of 2017, which limited state and local tax deductions to $10,000, many clients, particularly residents of high-tax states such as New Jersey, New York and Connecticut, have raised the question […]
Theodore D. Schneider
January 10, 2023 — Our team at Cerity Partners is continually inspired by the efforts of charitable organizations and want to offer our assistance to boost planned giving campaigns. As experienced advisors in financial and philanthropic planning, we believe having focused discussions with potential donors regarding the following planned giving strategies are effective tools to encourage donors to complete […]
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