EmberHouse Wealth Advisory

05/28/2026

Your parents added you to the deed to avoid probate. Sounds simple. But that one decision may have cost you the step-up in cost basis — and created a capital gains tax bill on decades of appreciation. Estate planning isn't about doing one thing right. It's about making sure everything works together.

Intentions are great. Outcomes matter. Here's what to know.

05/21/2026

The biggest estate planning risk for many families isn't the estate tax — which affects less than 0.1% of people. It's the capital gains taxes, income tax acceleration, and coordination failures that come from making decisions one at a time without someone looking at the whole picture.

Adding a child to the deed? Read this.

05/14/2026

A family creates a trust. Signs the documents. Feels good about it. But they never retitle the house or the bank accounts into the trust's name. When it's time for the trust to do its job — it can't. Estate planning is a system, not a single document.

It's a system that needs to connect.

05/07/2026

Quick gut check: Do you know who's listed as beneficiary on your retirement accounts right now? Not who you'd want it to be — who's actually on the form. In most cases, beneficiary designations supersede your will. If yours are out of date, your estate plan may not work the way you think it does.

A forgotten form can override your will.

04/30/2026

What if you could send $100 back to 1928 and invest it? We broke down three paths — cash, bonds, and the stock market — and tracked what happened over nearly a century. The results are a good reminder that compounding doesn't need perfect conditions. It just needs time.

See what a century of investing history shows.

04/23/2026

Sitting in cash can feel safe. But over long periods of time, ”safe” might have a cost. We recently broke down what happened to $100 across three different paths over nearly 100 years. The choice that felt safest at the start didn't end up that way. Take a look.

History shows why comfort can come at a cost.

04/16/2026

Inflation doesn't shout. It just quietly chips away. In the late 1920s, $100 could cover more than a month's rent. Today, it might cover dinner out. In our latest newsletter, we explored what happened when that $100 was invested differently — and what it means for your purchasing power over time.

See what a century of history says about cash.

04/09/2026

History doesn't repeat exactly, but it does tend to reward patience. When markets feel uncertain, it helps to zoom out. In our latest Visual Insights Newsletter, we looked at what happened to $100 invested in 1928 and left alone for nearly a century. The results may surprise you.

A simple lesson about time and discipline.

04/02/2026

Many retirees underspend, not because they need to, but because they’re afraid of making the wrong decision at the wrong time. When retirement is framed as one long, steady chapter, the stakes feel high. Spend too much now and you worry about later. Spend too little and you wonder what you’re missing. But what if retirement is better understood as three chapters, each with its own pace and priorities. I break this down in my latest note, along with a few questions worth thinking about as you plan your next chapter.

03/26/2026

Early retirement often brings momentum. Mid-retirement brings rhythm. Later years shift toward stability and care. Does your financial plan adjust as life does.

What is the point of retirement?