Forefront

Directions Website Contact the business

Forefront Discover Your Path to True Wealth with Forefront Wealth creation is a path paved with intention, strategy, and action.

Forefront is here to empower you to confidently arrive at TRUE WEALTH. What Does Financial Freedom Look Like For You? Your definition of True Wealth is your own and we are here to help you make it your reality. At the core of every True Wealth Statement is the freedom of time, money, and relationships to focus on what is important to you.

-TIME
-MONEY
-RELATIONSHIPS

We closely work with tech professionals, empowered women, pre-retirees and business owners to build TRUE WEALTH. Connect with one of our advisors to learn more about how you can build TRUE WEALTH below:

https://calendly.com/forefrontwp/virtual-coffee-meeting

Advisory services are offered through Forefront a DBA of Forefront Wealth Partners, LLC. Securities are offered through Calton & Associates, Inc., member FINRA and SIPC. Forefront is not owned or controlled by Calton & Associates, Inc.

10/26/2026

There may still be opportunities to reduce your 2026 tax bill, even after December 31.

When reviewing year-end tax planning opportunities, Eric Negron points to a few retirement and healthcare savings strategies worth considering.

The first is contributing to a pre-tax retirement account.

Depending on the type of account and your eligibility, those contributions may reduce your taxable income for the year.

But there's another opportunity that some families may overlook.

If you're married and your spouse doesn't work outside the home, you may still be able to contribute to an IRA in their name.

It's called a spousal IRA contribution.

Under the applicable rules, an eligible spousal IRA contribution may also help reduce your household's taxable income.

And if you're enrolled in a high-deductible health plan, contributing to a Health Savings Account (HSA) may offer another opportunity for tax savings.

Here's an important deadline to know.

Eligible IRA and HSA contributions for the 2026 tax year can generally be made until April 15, 2027.

That means some tax-planning opportunities remain available after the calendar year ends.

The right strategy depends on your income, eligibility, contribution limits, and overall financial situation.

Understanding where you stand financially is the starting point.

From there, you can evaluate which opportunities make sense and when you need to act.

Year-end tax planning includes knowing which deadlines apply to you.

Disclaimer: This is not tax advice. Please consult with your tax professional.

10/22/2026

Most people don’t take a full inventory of their workplace benefits during open enrollment.

They review their options, make their selections, and move on with their year.

But a lot can change in 12 months.

Maybe you're planning to grow your family.

Maybe you have a medical procedure coming up.

Maybe your financial situation has changed, and you're realizing your current life insurance coverage may no longer be enough to support your family if something happens to you.

These are all reasons to take a closer look at your benefits before making your elections for the coming year.

Start with your health insurance.

What level of coverage do you currently have?

Is it adequate for your anticipated healthcare needs?

Would a high-deductible health plan with an HSA make sense for your situation?

Then look at the other benefits available through your employer, including life and disability insurance.

As Eric Negron explains in the video, one of the most important assets many people have is their ability to earn an income.

That makes understanding how your benefits help protect your income and support your family an important part of financial planning.

Open enrollment gives you an opportunity to review those decisions with your current circumstances in mind.

Your workplace benefits should reflect the life you're living and the responsibilities you're planning for.

Your 2027 tax planning can start with your equity compensation calendar.If you receive equity compensation through your ...
10/21/2026

Your 2027 tax planning can start with your equity compensation calendar.

If you receive equity compensation through your employer, there are dates worth paying attention to before the new year begins.

RSU vesting dates

Planned stock option exercises

ESPP purchases

Potential company stock sales

Each of these events can have different tax implications.

Knowing when they're coming gives you time to evaluate how they fit into your overall financial picture.

Start by mapping the equity events you already know are ahead.

Then consider the tax questions attached to them.

Will upcoming RSU vesting create additional ordinary income?

Could exercising ISOs trigger alternative minimum tax (AMT)?

How might exercising NSOs affect your taxable income?

Will you need to consider additional withholding or estimated tax payments?

The answers can help inform when you exercise options, sell shares, or prepare for potential tax obligations.

And because equity compensation is often a significant part of an employee's overall compensation, those decisions should be considered alongside your other income, investments, and financial goals.

Your equity compensation comes with a calendar. Your tax planning can account for it.

Our latest guide, Equity Compensation Explained: A Guide to RSUs, Stock Options, ESPPs, and Taxes, breaks down how different types of equity compensation work, when taxable events may occur, and what to consider as you plan ahead.

Read the full guide: https://forefrontwealthpartners.com/equity-compensation-explained-a-guide-to-rsus-stock-options-espps-and-taxes/

You can spend years building wealth through company stock without realizing how much of your financial future depends on...
10/20/2026

You can spend years building wealth through company stock without realizing how much of your financial future depends on one company.

For professionals receiving equity compensation, it often happens gradually.

Your shares vest. You hold onto them. More shares vest. Your stock position keeps growing.

Eventually, you look at your accounts and realize that a significant portion of your wealth is tied to the same company that pays your salary.

That can be an uncomfortable realization, especially when you've worked so hard to get where you are.

Forefront advisor Melody Brady, CFP®, helps clients navigate this situation with a simple reframe:

"Treat every vest like a cash bonus."

When company shares vest, you have an opportunity to decide what that money should do for you.

For clients with substantial employer stock positions, including some holding more than $3 million in company shares, Melody helps create a plan to sell a portion as shares vest and redirect the proceeds toward other financial priorities.

That might mean building cash reserves, funding personal goals, or investing in a more diversified portfolio.

The amount to sell depends on each client's situation, tax considerations, and long-term goals.

And something important happens when clients see those numbers laid out in front of them.
They begin to see their options.

They can still participate in their company's future growth while reducing how much of their financial life depends on its stock performance.

For many clients, that realization brings an enormous sense of relief.

Because the money they've worked so hard to earn can begin supporting more of the life they're working toward.

That's what thoughtful financial planning can make possible.

An unfinished year can follow you into the next one.Before January arrives, take one week to review what happened, close...
10/19/2026

An unfinished year can follow you into the next one.

Before January arrives, take one week to review what happened, close some open loops, and decide what you want to carry into 2027.

Here’s your 7-day year-end reset:

Day 1: Audit the year

Look back at 2026.

What were your three biggest wins?

Your three biggest lessons?

What consistently gave you energy?

What consistently drained it?

Identify what you want to repeat and what you’re ready to leave behind.

Day 2: Close open loops

Make a list of unfinished projects, conversations, purchases, and decisions.

Finish what can be finished. Decide what can wait. Clear what you can from your mental to-do list.

Day 3: Reset your relationships

Reach out to the people who made a difference this year.

Have a conversation you’ve been putting off. Make plans to spend time with the people who matter to you in January.

Day 4: Check in on your health

Schedule the appointments you’ve been postponing. Think about your routines.

Prepare your environment for the habits you want to carry into the new year.

Day 5: Face the financial numbers

Look at what you actually earned and spent in 2026.

Where did your money go?

What changed financially this year?

What do you want your money to help you accomplish in 2027?

Start with the numbers. Then connect them to your priorities.

Day 6: The Digital Reset

Look at what gets your attention every day.

Remove some of the digital distractions. Unfollow creators you’ve outgrown.

Make more room for the information, ideas, and people that support where you’re going.

Day 7: Build your 2027 blueprint

Choose three main goals.

Break them into quarterly milestones.

Identify the first action for each. Put January’s priorities on the calendar. Decide how you’ll track your progress.

Then, before the year ends, read through what you wrote during the previous seven days.

You don’t need thirty resolutions on January 1.

You need clarity about where you’ve been, where you want to go, and the first few steps that can move you forward.

And if your financial life is part of what you want to approach more intentionally in 2027, we’re here to work through it with you.

10/15/2026

What is the difference between tax preparation and proactive tax planning?

Think of tax preparation as looking in the rearview mirror.

When your tax return is prepared, you’re accounting for income, transactions, deductions, and other financial decisions that have already happened.

At that point, many of the planning opportunities tied to that tax year may have already passed.

Proactive tax planning starts earlier.

Throughout the year, financial decisions can have tax implications.

• Selling an investment
• Receiving equity compensation
• Making retirement contributions
• Giving to charity
• Running a business
• Experiencing a major change in income

Proactive planning means looking at those decisions before year-end, understanding how they could affect your tax picture, and considering available strategies while there may still be time to act.

Tax preparation still plays an important role.

It documents and reports what happened.

Proactive tax planning gives you the opportunity to consider what happens next.

If you’re selling investment real estate, your tax-planning calendar may start the day you close.A 1031 exchange can all...
10/14/2026

If you’re selling investment real estate, your tax-planning calendar may start the day you close.

A 1031 exchange can allow an investor to defer certain taxes from the sale of qualifying investment real estate by reinvesting the proceeds into other qualifying property.

But the strategy comes with strict deadlines.

Once the sale of the relinquished property closes, you generally have:

• 45 days to identify potential replacement property in writing

• 180 days to complete the exchange, or until the applicable tax-return due date, whichever comes first

Those deadlines make timing an important part of the planning process.

Waiting until after a property sells to start thinking about the tax implications can leave you with fewer options.

Before a potential sale, it can help to understand your cost basis, accumulated depreciation, potential capital gains, and what you ultimately want the proceeds from the property to accomplish.

From there, your financial advisor, CPA, attorney, and qualified intermediary can help you evaluate whether a 1031 exchange makes sense for your situation and coordinate the steps involved.

Year-end tax planning isn’t limited to what happens in December.

Some opportunities have a clock attached to them.

If selling investment real estate is part of your plans, understanding that clock before the transaction can give you more time to plan.

Read our full guide, 1031 Exchange Strategies: Advanced Tax Deferral, DSTs, UPREITs, and Wealth Preservation.

https://forefrontwealthpartners.com/1031-exchange-strategies-advanced-tax-deferral-dsts-upreits-and-wealth-preservation/

10/13/2026

Before deciding what year-end moves to make, figure out where you are now and where you expect to be by December 31.

That’s where Eric Negron starts when reviewing year-end planning opportunities with a client.

For an employee, that could mean pulling a recent pay stub to see year-to-date income and deductions.

For a business owner, it could mean working with a CPA, CFO, or bookkeeper to understand current income and project where the business will be by year-end.

Then look at what else happened during the year.

Did you sell real estate or investments and realize a gain?

Did RSUs vest or did you receive or exercise stock options?

Did another major financial event change your income or tax picture?

Once you understand where you are today and where you’re likely to be on December 31, you can start evaluating the planning opportunities available to you.

That could mean reviewing retirement contributions, HSA contributions, or, for business owners, the timing of certain business expenses.

As Eric explains in the video, year-end tax planning starts by getting the full picture in front of you.

Then you can decide what to do with the time you still have.

10/12/2026

What are some of the most common things that people miss with year-end tax planning?

It often comes down to two things: deadlines and projections.

Different financial decisions have different deadlines.

If you contribute to a workplace retirement plan like a 401(k), your employee contributions generally need to be made by December 31.

Other accounts and strategies may give you more time.

The important part is knowing which deadlines apply to your situation so you don’t discover an opportunity after the window to act has already closed.

The second piece is understanding where your tax situation is headed.

How much income will you have by year-end?

Did anything happen during the year that could affect your taxes?

What might your eventual tax liability look like based on everything that has happened so far?

A year-end tax projection can give you a clearer picture of where you’re likely to land while there is still time to consider the strategies available to you.

Know where you stand.

Know your deadlines.

Then you can make year-end decisions with the full picture in front of you.

10/08/2026

“Good financial advice to me is keeping it simple. If you can’t explain your financial plan, it’s too complicated.”

That’s how Melody Brady describes the work at Forefront.

And it’s one lesson we’ve learned over 10 years of financial planning.

Take estate planning.

It’s easy to tell a client, “You need an estate plan. Here are three attorneys. Let me know when it’s done.”

A great advisor stays involved.

They help coordinate the meeting.

They sit at the table with you.

They answer the financial questions that come up.

They help move the process forward.

Because talking to an attorney about death, your family, and what happens to everything you’ve built can already feel overwhelming.

You shouldn’t have to navigate it alone.

Sometimes the most important part of financial advice is having someone there to help you see it through.

Address

7500 Rialto Boulevard
Austin, TX
78735

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Forefront posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Forefront:

Shortcuts

Sponsored

Share

Category