Remember when buying a coke was a treat and eating out for dinner was a true luxury? When you’d get a hole in your pants and your Mom would fix them – not throw the pants away? When you walked down the street and truly overweight people – especially children – were few and far…
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In this world of vast information, just about anyone can claim to be a financial advisor. Moreover, the McDonald’s of financial advisors are popping up on every corner in those big brand names you recognize. Unfortunately, this means most of the advice families receive is generic information. I say “Unfortunately” because very few families have…
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You are where you are because you want to be there. Wait…what? Even Zig Ziglar didn’t agree. He shared a story about receiving written directions late one night from a man at a gas station. Thirty minutes down the road, he learned he went the exact opposite direction he intended. He didn’t want to be…
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The most consuming questions are typically regarding logistics: How will the ownership look? Who will be in control? How do you structure it? How do you minimize taxes during transition? The most overlooked question, however, is the most important question. And it has nothing to do with logistics…. We sat down with a family last…
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Beyond grief, one reality that loved ones must face when someone passes is the responsibility of dealing with the departed’s estate. This undertaking can be quite cumbersome, especially due to the seemingly “foreign” language of the law. One aspect, the probate process, is public. It is filed in the city or county in which the…
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There are a number of reasons: It won’t happen to me—I’m not going to die anytime soon. I have more important financial priorities. I don’t want to think about dying! I’m healthy. I can get it later. Did you notice the one word common to all of these reasons? You don’t buy life insurance for…
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Did you realize that reactive and creative are an anagram? We’ve realized that far too many people fail to ask the “right” questions regarding their unique situations. The result: reactive. We encourage you to spend a little time being creative so you don’t have to be reactive. You can begin by asking these 10 questions:…
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Against the backdrop of the economic turmoil created by the COVID-19 pandemic and the enactment of Republican-only tax reform in 2017, tax policy will be a critical point of differentiation in the 2020 presidential race. Below is a summary of the key tax law changes each candidate is suggesting.1 Item Present Law Biden Trump Business…
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We were recently interviewed for The Working Ranch Radio Show on SiriusXM. A listener asked a great question: What type of legal ownership should you have for your ranch and property? The short answer is “It depends…” The complete answer involves asking the “right” questions. And it starts with this one: What is important to…
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You’d almost have to live in a cave to not realize that times are tough right now. And under these uncertain conditions, people are hoping to find the perfect investment—one that’s safe, but offers an outstanding return. Our experience tells us that there is ultimately only one perfect investment—family. As a Life Planning firm, we…
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Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.