Category: Financial Planning

“Choose a job you love and you’ll never have to work a day in your life” ~ Confucius. As you approach retirement age, the first step to set yourself on a path for a successful retirement is to envision what that successful retirement will look like. Being able to visualize what you want for your [...]

If you have a student beginning graduate school, you may be looking for the best source of funds for the tuition payments. Clients who plan on funding all or a portion of the tuition for adult children or relatives often ask what the optimal funding method is – especially if other allocated savings, such as [...]

The American public is aging at an unprecedented rate. Back in 1985, adults aged 65 and older made up just 11% of the population. Today, this figure is closer to 20%. (Source: Institute on Aging) With an average of 10,000 Americans turning 65 every day, this rapid increase in our elderly population is expected to [...]

Introduction As the dust settles on the 2024 elections, one of the most pressing questions for many families is how the Republican Party’s return to unified control of the White House and Congress will shape the future of tax policy. With the Tax Cuts and Jobs Act (TCJA) set to expire at the end of [...]

2024 has unfortunately seen a continued trend of large data breaches being reported month after month. These breaches can leave us all feeling vulnerable, as so many of the organizations we routinely deal with store our Social Security numbers, dates of birth, addresses, and other sensitive data. In Washington alone, two instances were reported in [...]

It’s no fun to think about the potential disasters that can befall your family, but there is something to be said for the peace of mind you can achieve by knowing that you are well protected. At Coldstream Risk Management, we want to make sure you are aware of dangers so that you can insulate [...]

Google provides an extensive range of benefits that can enhance your wealth, manage risk, and secure your future. By integrating Google’s compensation, retirement, and health benefits into your financial plan, you can better align these offerings with your long-term goals. Equity Awards Google’s stock units (GSUs) can be a powerful tool for achieving financial objectives. [...]

As we near the end of the year, it’s time to wrap up year-end charitable giving. To ensure that your gift donations are processed by year-end, please follow the deadline guidelines below for Schwab and Fidelity brokerage accounts. Schwab Deadlines Type of gift/contribution Deadline requirement for 2024 tax deduction Mutual fund Schwab must receive letter [...]

Wealth is more than just money—it’s about security, opportunities, and legacy. But preserving and growing that wealth across generations requires a proactive plan. Enter the family wealth charter, a personalized document that lays out your family’s financial goals, values, and a structure for decision-making. It’s not just about handling assets, but about ensuring everyone in [...]