Moving Beyond the S&P 500: How Affluent Investors Are Utilizing Private Markets in 2026
For over a decade, the playbook for individual investors was simple: buy a low-cost S&P 500 index fund, reinvest the dividends, and let the tech-driven bull market do the heavy lifting. However, in 2026, a growing number of affluent investors and wealth advisors are coming to a startling realization: the classic, market-cap-weighted S&P 500 is […]
BEYOND THE K-12 HACK: Advanced Coordination Strategies for 529s and the New 530A Accounts
Introduction: Raising the Bar on Generational Funding For years, affluent families have used “the K-12 private school hack”—utilizing a 529 plan to pay for up to $10,000 of elementary or secondary tuition tax-free. While useful, this is a transactional, short-term tactic. With the arrival of tax year 2026 and the newly established Section 530A Accounts […]
Beyond Tuition: Using 529s for CPA Exams, Pilot Licenses, and Trade Skills
For years, the 529 plan was seen as the “University Bucket.” If your child didn’t want a four-year degree, many parents worried the money would be “wasted” or hit with penalties. But as we settle into 2026, the definition of “higher education” has undergone a massive, federally mandated glow-up. Thanks to the One Big Beautiful […]
No More “Trapped” 529 Funds: The 2026 Guide to Roth IRA Rollovers
One of the most common hesitations I hear from parents in the Chicago suburbs is the “What If” fear: “What if I save too much in a 529 plan and my child doesn’t use it? Is that money just trapped?” Until recently, that was a valid concern. If you didn’t use 529 funds for education, […]
The Great Wealth Transfer: A Guide to Managing and Investing an Inheritance
We are living through what many experts call The Great Wealth Transfer—the largest transfer of wealth in history. Over the coming decades, trillions of dollars will pass from one generation to the next. For heirs, this creates opportunity, responsibility, and risk. An inheritance can change a family’s financial future—but without a clear plan, it can […]