No Non-Cents Blog

Inheriting an IRA can feel like discovering a treasure chest… that comes with a 10-year timer and a stack of IRS instructions. With the SECURE Act (2019) and SECURE Act 2.0 (2022–2023 updates), the rules for inherited retirement accounts have changed. Knowing the rules can save you from unnecessary taxes, penalties, or the stress of mismanaging the account. The Basics: What Changed with SECURE and SECURE 2.0 Before 2020, beneficiaries could “stretch” an inherited IRA over the

Congratulations! You’ve found The One — the person who laughs at your jokes, tolerates your family, and said yes  to marrying you. You’ve conquered the hard part (finding each other) and survived the wedding planning process (which, statistically speaking, is more stressful than assembling IKEA furniture without instructions). Now it’s time for your next great adventure: combining your finances. Cue the dramatic music. Because nothing says “happily ever after” quite like deba

One of the most common conversations I have with clients revolves around a simple but powerful question: Where does all the money go?  We work hard, we earn a good living, but at the end of the month the checking account seems to drain faster than we’d like. Often, the answer lies not in one large purchase, but in hundreds of small ones. This is what I call the “Starbucks dilemma”—spending more than we realize on coffee, meals, and convenience, while missing the opportunity t

Ah, the government shutdown—a phrase that can send shivers down the spine of even the most seasoned investor. It conjures images of furloughed employees, empty offices, and Washington, D.C., in a state of frozen chaos. But before you start envisioning your 401(k) being eaten by a giant bureaucratic monster, take a deep breath. A government shutdown is rarely the financial apocalypse it’s often made out to be. Let’s take a light-hearted stroll through what a shutdown really me

Selling a business is often the culmination of years—or decades—of hard work. Whether you’re planning to retire, pivot into a new...

When it comes to retirement accounts—especially Individual Retirement Accounts (IRAs)—few decisions are more important yet more...

Retirement planning is always about balance—ensuring your money lasts as long as you do, while still letting you enjoy the life you’ve...

A sweeping new tax bill—officially called the “One Big Beautiful Tax Bill”—has passed, bringing a mix of extensions, updates, and...

As you navigate the complexities of wealth management, philanthropy often emerges as a key component of a comprehensive financial plan....

Social Security is a cornerstone of retirement planning in the United States, providing vital income to over 66 million Americans....

Inheriting an Individual Retirement Account (IRA) can significantly impact your financial planning. Recent changes introduced by the...

When it comes to personal finance, one of the most common and important questions I hear is: “How much should I be saving from my...

As a financial advisor, I’ve worked with people from all walks of life—young professionals, retirees, business owners—and one thing...

For many investors, a stock market downturn feels like a punch to the gut. You open your portfolio statement or log into your investment...

Are you tired of following expert retirement guidance and still feel unfulfilled? It’s time to try something else: the value exercise.

Delayed gratification can be a tricky thing to learn at any age, but teaching good money habits to your kids now will do wonders in their...

Summer seems to have barely gotten started, and now back-to-school shopping is just around the corner. It’s hard to believe! Retailers...

Everyone likes a good sammie – they can be delicious and convenient. But when you're the filling, it's a different story. A recent survey...

As you become successful in your career, buy a home, save, and invest, you're building knowledge and capability. But are you gaining the...

In this article, Part 2 of our “Get Ahead in the New Year” series, we address a no-brainer way to get off to a good start. Cutting...