Category: Family Needs

What’s in this article: Navigating a complex healthcare system About Private Health Management (PHM) How PHM can make a difference Concierge medicine and healthcare advocate: what’s the difference? When can PHM help? Open enrollment for Coldstream clients and webinar information   One of the most common concerns I hear from clients isn’t actually about investing, [...]

What’s in this article: The marital home: going from one to two households Spousal maintenance Child support and childcare expenses Retirement accounts and other investment assets Taxes matter Advisors: building your team Looking forward   The decision to divorce doesn’t come lightly. Considering divorce may feel like sailing across the open ocean in a storm [...]

Pre-nuptial agreements, also called pre-nups or pre-marital agreements, often get a bad rap, but they can be very important for supporting and protecting both individuals and the union. A good pre-nup can be a valuable financial planning tool that helps both parties clarify how their financial lives will be commingled; it can also be critical [...]

What does it take to set up young adults for financial success? What is missing in the educational system, what are the most important fundamentals we can instill in kids, and how can we empower young people to be not just financially literate, but financially confident? Financial Beginnings has been empowering youth and adults to [...]

What’s in this article: Cash flow planning & budgeting Debt management Employee benefits Investments Tax planning Estate planning Insurance Family needs   Financial independence is one of the most important transitions in adult life. Whether you are graduating from college, starting your career, getting married, or beginning to build a family, the financial habits you [...]

Very few people become good at managing their finances without some guidance and education. It’s not something that comes naturally as we mature into adults; it’s a skill that requires building a knowledge base and cultivating understanding. Though more and more states are adding a personal finance requirement to their high school curricula, the number [...]

Navigating divorce, while challenging, can open the door to a more aligned lifestyle, opportunities for unexpected growth, and newfound freedoms for all parties. But that doesn’t make it easy, particularly when you are in the middle of something that can be a giant disruption to your life and family. Coldstream Wealth Managers Larissa Vidal and [...]

Families often assign a trusted family member or friend to serve as their trustee to take on the role of settling their estate and distributing trust assets. But there are times when families may want to seek professional support beyond friends and family—whether due to complexities of the trust, a need for a neutral third [...]

What’s in this article? What is an executor? Executor core responsibilities The process of settling an estate Timeline expectations Fiduciary duty Finding support   Being named the executor of an estate is both practical and personal. On paper, it’s a legal role. In reality, it’s a position of trust. You’re the person someone chose to [...]