Beacon Wealthcare |

28 Aug Four Reasons to Consider a Trust No Matter Your Net Worth

Posted at 10:34h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

In the context of estate planning (Will, Power of Attorney, etc.) what do you think of when you hear the word “trust”? For many, the word conjures thoughts of the super rich, “trust fund babies,” complex legal structures, maybe even tax avoidance. That’s exactly how I...

07 Aug A Summary of Mr. Biden’s Tax Plan

Posted at 09:59h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

With the Presidential Election just over two months away, I felt it would be helpful to review presumptive Democrat nominee for President Joe Biden’s tax proposal. This is by no means a partisan review and will be an objective summary of his current plan. President...

17 Jul How Do We Make Sense of This?

Posted at 11:33h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

Earlier this week I came across this chart and the story it tells is staggering. What you see is the year-over-year change in what JP Morgan considers “High Frequency Activity,” things like driving, eating out, flying, staying in hotels. Look how quickly and severely activity...

26 Jun How to Maximize Your Employee Stock Purchase Plan

Posted at 08:00h in The Friday Brief by Ryan Smith, CFP®, RICP®, CTS™, MSFP

[vc_video link='https://www.youtube.com/watch?v=nncNbL9Qfnk'] What is an Employee Stock Purchase Plan (ESPP) and how does it work? How should you incorporate it into your financial life and what’s the most important decision to make prior to enrolling? It’s easiest to understand how an ESPP works by first understanding the...