A private library for the serious investor.
Strategic notes on retirement tax, legacy planning, and the decisions that quietly determine what your family keeps.
Sequence of Returns Risk: The Math That Determines Whether Your Retirement Lasts
Two retirees with identical average returns can end up with wildly different outcomes — because when the losses happen matters more than how large they are.
The Irrevocable Life Insurance Trust: Keeping Life Insurance Out of Your Taxable Estate
A life insurance policy owned personally can quietly inflate an estate above the exemption threshold. Owning it inside an ILIT can keep the proceeds where they belong — with your heirs.
Selling the Business You Built: Structuring the Exit Before the Buyer Shows Up
Most business owners spend decades building enterprise value and almost no time structuring how the sale proceeds will be taxed, protected, and transferred. That order should be reversed.
Underinsured at the Top: Why High-Net-Worth Families Still Have Protection Gaps
Wealth doesn't eliminate risk — it changes its shape. Liability exposure, long-term care costs, and legacy erosion pose real threats even to well-funded estates.
Preserving Wealth Across Generations: What Step-Up in Basis Means for Your Heirs
One of the most valuable, least understood provisions in the tax code determines how much your heirs actually keep when they eventually sell what you leave them.