Over the next two decades, $84 trillion will change hands in the largest wealth transfer in history. But here's the uncomfortable truth: 70% of these transfers fail by the second generation. The culprit isn't bad estate planning—it's that the next generation isn't ready to receive it. Inheritance is a legal transaction. Stewardship is a responsibility that must be cultivated over time.

You can tell a lot about someone by their coffee order. The same personality traits that drive you to order a triple-shot espresso or a meticulously crafted pour-over also influence how you approach investing. After 16 years of working with entrepreneurs and executives, I've noticed some fascinating patterns between caffeine preferences and financial decision-making.

Are you a black coffee purist who loves index funds? An espresso drinker with concentrated convictions? Or maybe you're the custom-order sophisticate with a highly optimized portfolio?

Grab your favorite brew and discover what your coffee order reveals about your investment personality – and how to leverage your natural strengths while avoiding common pitfalls. From the disciplined simplicity of black coffee investors to the trend-following Frappuccino enthusiasts, each style has unique advantages and blind spots.

The best part? Understanding your natural tendencies helps you build a portfolio that aligns with who you really are – not who you think you should be.

October is here, which means you have exactly three months to make tax moves that could significantly impact your 2024 tax bill. While most people wait until April to think about taxes, smart wealth builders know that Q4 is when the real opportunities happen.

Every Sunday, millions of Americans obsess over their fantasy lineups, analyze player stats, and make strategic decisions that could make or break their week. Sound familiar? It should – because fantasy football players are unknowingly practicing many of the same skills that separate successful investors from the rest.

After 16 years of working with CEOs and entrepreneurs, I've witnessed both spectacular exits and devastating financial disasters. The difference often comes down to planning—or the lack thereof.

Most entrepreneurs pour everything into building their business but fail to plan their exit strategy until it's too late. This oversight can cost millions in unnecessary taxes, missed opportunities, and suboptimal deal structures.

Sophisticated investors understand that the best investment opportunities often come with different compensation structures. When commission-based investments provide access to institutional-grade opportunities like 1031 DSTs, Qualified Opportunity Zones, or private real estate that fee-only firms simply cannot offer, the focus shifts from fee structure to net outcomes and exclusive access.

For decades, bonds were the go-to tool for generating steady income and reducing portfolio risk. But as we look ahead to 2025 and beyond, there are some real challenges on the horizon for the bond market that investors should be paying attention to.

Here’s what’s going on—and what it could mean for your long-term strategy.

For decades, the 60/40 portfolio—60% stocks, 40% bonds—was the go-to strategy for long-term investors. It worked well in a world of stable interest rates, moderate inflation, and broad diversification across public markets.

But let’s be honest: we’re not in that world anymore.

If you’re an investor, advisor, or someone sitting on capital gains, you may have heard that Opportunity Zones just got a big boost. On July 4th, the President signed into law the OBBBA, a bill that gives the Opportunity Zone (QOZ) program a major facelift—and makes it permanent.

Let’s break down what changed, what it means for investors now, and how this could reshape the landscape for years to come.