At HWC Financial, investment performance is only part of the equation. What ultimately matters is what you keep after taxes. That’s why we manage portfolios with a deliberate focus on tax efficiency — not as an afterthought, but as a core component of how we serve clients. Our approach combines proactive tax‑loss harvesting, careful security […]
Managing Tax Exposure Through Proactive, Holistic Planning Read More »
The One Big Beautiful Bill Act (OBBBA) has introduced some of the most significant tax and planning changes in years—bringing a mix of permanent rules, temporary opportunities, and deadlines that directly impact year-end decisions. As we approach December 31, now is the time to evaluate which provisions can benefit you, what adjustments should wait, and
2025 Year-End Planning: What the One Big Beautiful Bill Act Means for You Read More »
While the tech-heavy Nasdaq Composite slipped last month, both the Dow Jones Industrial Average and the S&P 500 shook off a modest mid-month decline to notch their seventh consecutive monthly advance, according to MarketWatch. Key Index Returns MTD % YTD % Dow Jones Industrial Average 0.3 12.2 Nasdaq Composite -1.5 21.0 S&P 500 Index
November ekes out a gain Read More »
Imagine receiving a tax bill for income that never made its way into your bank account. It sounds like a mistake, but it’s not. This is the result of phantom income. It’s one of the most misunderstood risks in certain investment structures, and it shouldn’t be ignored because it can have consequences when your tax
Phantom Income, Real Taxes Read More »
Insights from HWC Financial As we look ahead to tax year 2026 (returns filed in 2027), it’s more important than ever to stay ahead of the curve. Several key changes — driven by inflation adjustments and new law provisions — will affect deductions, credits, and planning strategies. Here’s what clients of HWC Financial should be paying
2026 Tax Changes You Can’t Afford to Ignore Read More »
ChartTalk: Inflation is taking a bite out of people’s wallets. But some products are seeing greater price increases than others. The infographic breaks down inflation by a variety of products. Prices are going up, with some products seeing greater inflation than others. Food items like beef and essentials such as car maintenance are showing the
Spotlight on Inflation Read More »
Beginning in 2026, most Vermont employers will be required to provide their employees with access to a retirement savings plan through the new Vermont Saves program. This initiative automatically enrolls eligible workers into a state-facilitated Roth IRA, funded through payroll deductions. While Vermont Saves is designed to expand access to retirement savings, it’s not always
October has a curious reputation rooted in market history. The Crash of 1929 (a 13% selloff on Black Monday and 12% on Black Tuesday, according to Federal Reserve History), the Crash of 1987 (a 22% selloff in October per MarketWatch data), and the financial crisis of 2008 (a 17% decline in October) have all contributed to
October delivers further stock market gains Read More »
As the U.S. population continues to age, the demand for long-term healthcare is expected to rise steadily. Yet, it’s a topic many prefer to avoid, and in some cases, neglect to plan for, despite its growing importance. While statistics vary, anywhere between 60% and 70% of us will one day need assistance with long-term care,
Paying for Long-Term Healthcare: Challenges, Options, and Planning Strategies Read More »