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.

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.

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.

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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.

The end of the year provides a number of planning opportunities and issues for you. Year-end topics can include tax planning, investment and retirement accounts, charitable giving, cash flow and savings, insurance and estate planning.

Charitably inclined clients who are age 70.5 or older may benefit from making a Qualified Charitable Distribution from their IRA (excluding Roth IRAs). This is a popular way for clients to support their favorite charities while reducing their AGI. The decision and procedure to carry out this strategy can be complicated.

It’s good to give back. Check out this guide to helps you identify opportunities and model outcomes in order to optimize the impact of your charitable gifts.

Converting a portion of an IRA to a Roth IRA is a complex process that involves many moving parts. To help make the analysis easier, this flowchart addresses common issues that you’ll encounter when doing a Roth conversion.

There’s a lot to consider with Roth conversions – especially with the current market condition and changes due to the SECURE Act!

You may rely on Medicare plans for their health care coverage and have enrolled in Original Medicare or Medicare Advantage, and likely have prescription drug coverage as well. For current beneficiaries of all of these plans (Medicare A, B, C, and D), October 15 marks the beginning of the open enrollment period, during which changes in coverage may be made.