
Insights
Category: Wealth Strategy

March 6, 2025
What Men and Women Can Teach Each Other About Investing
Investing is both an art and a science, shaped by our life experiences, personalities, and preferences. But did you know that research reveals some notable trends in how men and women approach investing differently? Understanding these differences can help all investors, regardless of gender, strike a more effective balance in their financial strategies. Key Gender [...]


Contributions from: Anne Marie Stonich, CFP®, CPA, Rachel McCracken, CFA®, MBA

March 1, 2025
Celebrating Women Wealth Managers
Women’s financial power is greater today than it has ever been. With more women in leadership positions and staying in the workforce longer, the amount of wealth women control will only continue to grow. Often, women’s financial management needs differ than those of men. Women have many unique challenges: they live longer lifespans but often [...]

February 21, 2025
Mind the Gap(s)! Financial Planning as a LGBTQIA+ Couple
In the start of this new year and new administration, many LGBTQ+ investors are wondering what the future holds. In this time of uncertainty, it might be the perfect time for LGBTQ+ couples to ensure their financial world is current, accurate, and best serving. Without federal protections ensuring equal rights to those in the LGBTQ+ [...]

Contributions from: Katie Quick, CFP®

February 12, 2025
Does My Child Need to File a Tax Return?
Your teenager may have had their first job working at the snack shack last summer, and their W2 just arrived in the mail. Or perhaps you collectively decided to sell some of the gifted Microsoft stock from their custodial account so your teenager could purchase their first car. Now you’ve received a 1099 and wonder [...]

Contributions from: Vince Lee, CFP®, CPA

February 10, 2025
Tax-Efficient Investing: Don’t Lose Portfolio Gains to Taxes
The Beatles taught me my first lessons about taxes when I heard the song “Taxman” as a teenager. Years later, George Harrison’s lyrics about taxes frame a lot of my client conversations, as George was not joking when he wrote, “Let me tell you how it will be: there’s one for you, nineteen for me, [...]

Contributions from: Glen Goland, CFP®, JD

February 4, 2025
The Value-Add of an Advisor
How does an advisor add value for the fees that you pay? The value that a financial advisor brings to the table can extend far beyond the quantifiable. Coldstream’s work to integrate financial planning and investment management is multi-faceted and often reaches into many areas of our clients’ lives. In this brief, we examine recent [...]

January 29, 2025
The Psychology of Retirement
One of my favorite tasks as a financial planner is to help clients plan for retirement. We gather data and run Monte Carlo simulations and tax analyses, but often that planning process runs much deeper than asset allocation and withdrawal strategies. Recently I had the pleasure of meeting with a couple in their early fifties. [...]

Contributions from: Larissa Vidal, CFP®

January 28, 2025
Retiring Early? Don’t Forget Health Insurance
If you’re planning to retire early, remember to include the cost of health insurance in your financial plan. Medicare eligibility begins at age 65, but until that time you’ll need to enroll in a private insurance plan. Be sure to check your eligibility with COBRA from your prior employer as well. COBRA premiums can be [...]


Contributions from: Eric Schuehle, Rich Merrifield, CFP®, AIF®

January 24, 2025
How to Decide When to Pay Off Debt or Invest
Let’s face it: monthly debt payments can feel overwhelming, right? If you chat about it with anyone, chances are you’ll find someone who understands. Many of us carry debt, whether it’s from student loans, a car loan, or personal loans. The interest rates can vary greatly depending on when you took on the debt and [...]

Contributions from: Katelyn Spangler, CFP®
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