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Zachary Stone🪶

January Market Commentary – Are we back to old times?

Explore December's market trends and January's economic outlook. Learn how to align your goals with smart investment strategies.
December Market Commentary

Zachary Stone🪶

December Market Commentary – A New Regime Comes into the Picture

Explore November's market recap, December's market outlook, and economic trends, including labor growth, inflation, GDP, mortgage rates, and financial planning
2025 Retirement Contributions

Zachary Stone🪶

What are the Retirement Contribution Limits for 2025?

Helpful information regarding the updated 2025 IRS retirement contribution limits, as well as catch-up provisions under SECURE Act 2.0
November

Zachary Stone🪶

November Market Commentary – A Historic Election Removes Some Uncertainty

October market recap and November outlook: analyzing election impacts on economy, inflation, interest rates, and investment strategies to support financial
2025 Social Security & Tax Changes: 101

Zachary Stone🪶

2025 Social Security & Tax Changes: 101

2025 Social Security & Tax changes: 101. Learn key income tax considerations, strategies to maximize benefits, and tips for tax-efficient

Zachary Stone🪶

5 Steps to Take to Achieve an Early Retirement

5 simple, and effective steps to take in order to give yourself an "early" retirement.
October

Zachary Stone🪶

October Market Commentary – Is this a Volatile Start to the End of the Year?

Our commentary for October 2024.
Preparing for a new interest rate cycle

Zachary Stone🪶

Preparing for a New Interest Rate Cycle

Prepare for a new interest rate cycle: Maintain a diversified investment strategy while making measured adjustments to manage risks and
Roth Conversions

Zachary Stone🪶

5 Things to Know about Roth Conversions

Our guide on what Roth conversion(s) are, and how they may benefit you over time.
September

Zachary Stone🪶

September Market Commentary – Is this the finish line, or the starting gate?

Our commentary for September 2024.

Zachary Stone🪶

Understanding Revocable and Irrevocable Trusts

Explore the differences between revocable and irrevocable trusts, and learn how each can help you protect and manage assets.

Zachary Stone🪶

Understanding Your Lifetime Effective Tax Rate: A Crucial Aspect of Financial Planning often Overlooked

Understand the importance of your Lifetime Effective Tax Rate in financial planning and learn strategies to minimize your long-term tax

Zachary Stone🪶

Case Study: Retaining & Rewarding Two Major Employees

Discover how Jo-Ann retained & rewarded key employees with equity compensation, bonuses, and career development, leading to increased company growth.

Zachary Stone🪶

The Roth-Only Catch-Up Contribution Rule Will Get Time to Catch Up

Learn about the SECURE 2.0 Act’s impact on catch-up contributions. Discover key changes and strategies to maximize your retirement savings.

Zachary Stone🪶

Small Business Retirement Plans – What is a SIMPLE, SEP-IRA, and Solo(k)?

Small business owners don't need to skip retirement savings due to the high costs of a 401(k).

Zachary Stone🪶

Questions to ask when meeting a Financial Advisor

Simple questions to help you gain a better understanding on if the advisor you're meeting, is the advisor for you.

Zachary Stone🪶

August Market Commentary – What will the Fed Do?

Our commentary for August 2024.

Zachary Stone🪶

Case Study: Navigating Job Loss at 50 with a Sound Financial Plan

Discover how Ryan, a 50-year-old man laid off after 20+ years, navigated job loss without accruing debt.
Gen Z

Zachary Stone🪶

Gen Z is Getting an Early Start on Financial Independence

Explore how Gen Z, the first truly digital native generation, navigates financial challenges and opportunities. From unique money mindsets to
New Inherited IRA Rules

Zachary Stone🪶

The Complications of the New Inherited IRA rules

Inherited IRAs are complex, especially due to the 2024 changes. Learn about the new rules, tax strategies, and how to
20 Year Taxable Forgiveness

Zachary Stone🪶

Case Study: Navigating the 20-Year Taxable Loan Forgiveness Program

Discover how Sarah, an attorney at a for-profit law firm, is navigating the complexities of the 20-year taxable loan forgiveness

Zachary Stone🪶

Donor Advised Funds: Tax Benefits, Growth and Control

Donor advised funds offer immediate tax benefits, flexibility in charitable giving, and the potential for tax-free growth, making them an

Zachary Stone🪶

Retirement Mistakes: Avoiding Common “No-No’s” for a Confident Future

Avoid major retirement risks by building a flexible plan that adapts to life changes, manages expenses, and mitigates inflation and

Zachary Stone🪶

CSG Financial Monthly Market Outlook – July, 2024

Our commentary for July 2024.

Zachary Stone🪶

How Do You Create Lasting Wealth?

Building lasting wealth goes beyond income or windfalls, requiring thoughtful financial planning, risk management, and proactive estate strategies for generational

Zachary Stone🪶

Case Study – Consolidating to Retirement Confidence, Jane’s Journey

By consolidating accounts and creating a tax-efficient retirement strategy, Jane transformed financial chaos into confidence for her future.

Zachary Stone🪶

Proactive Tax Planning with a Risk Perspective

Tax planning in retirement is crucial. Balancing investment growth and tax efficiency helps preserve income and ensures long-term financial stability.

Zachary Stone🪶

The Financial Organization Principle

Organizing your finances can feel overwhelming, but taking small steps toward a comprehensive plan can significantly reduce financial stress

Zachary Stone🪶

Case Study: Sarah’s Path to Business Planning Confidence

Sarah transformed her growing bakery by working with a financial advisor, optimizing cash flow, securing personal finances, and expanding confidently.

Zachary Stone🪶

Estate Planning for Small Business Owners

Business owners must prioritize estate planning to safeguard assets, ensure succession, and optimize tax efficiency for long-term success

Zachary Stone🪶

Keeping Seniors Safe From Financial Scams

The Sandwich Generation faces the challenge of protecting their aging parents from financial scams while managing their own families.

Zachary Stone🪶

Marriage and Money: A Newlywed’s Guide to Joint Finances

Marriage is a partnership that involves shared financial planning. Open discussions, budgeting, and strategic tax planning can strengthen your financial

Zachary Stone🪶

Summer Financial Tune-Up

Mid-year is perfect for assessing your financial plan. Check retirement contributions, budget for summer expenses, and prepare for future goals.

Zachary Stone🪶

Rentals & LLC’s – Do I need one?

Learn about the pros & cons of forming an LLC, as well as the potential tax benefits.

Zachary Stone🪶

The Five Key Components of Financial Literacy

Understanding financial basics like earning, spending, saving, investing, borrowing, and protecting can guide you to financial success and stability.

Zachary Stone🪶

Helping Your Kids Without Risking Your Own Retirement

Learn how to balance giving your children all that they desire, while also ensuring you're setting yourself up for success.

Zachary Stone🪶

Case Study: Mid-Career Attorney who wanted to spend more, while also building net worth

Discover how a mid-career attorney improved their net worth while still enjoying life in the short-term.

Zachary Stone🪶

Is Your Home Part of Your Retirement Plan?

Learn about how your home can play a role in your retirement, as well as the potential impacts.
Self Directed IRA

Zachary Stone🪶

Understanding Self-Directed IRAs

Understand what a Self-Directed IRA is, how it works, and how they may benefit you.
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