Purpose Built Financial Services, LLC

03/03/2026

If you have a child born between 2025 and 2028, the government is officially offering a $1,000 "seed" deposit to jumpstart their financial future. This "free money" is part of the new Section 530A accounts (aka "Trump Accounts") launching this July 4th.

While the free $1,000 is a no-brainer, it gets more interesting for older children and deciding if you want to put some of your own funds in the accounts.

I’ve put together a step-by-step guide on how to claim your seed money, how to hire your kids to jumpstart their Roth IRAs, and where the "Trump Account" actually fits in your family’s priority list.

Check out the "Purpose Built" hierarchy for child savings: https://www.purposebuiltfs.com/blog/the-2026-child-savings-hierarchy-navigating-trump-accounts-529s-and-iras

Discover the 2026 "Child Savings Hierarchy" for high-income households. Learn how to strategically stack Section 530A "Trump Accounts," 529 Plans, and Roth IRAs to maximize tax-deductible wealth transfers and avoid the Kiddie Tax trap.

01/06/2026

I recently joined Steven Lerner on the Early Bird Podcast to dive into the macro themes defining the year ahead. While my firm’s philosophy is rooted in broad-based ETFs for the highest long-term return, I’ll let you in on a secret: I still love the "search for Alpha."

I, and many of my clients, dedicate a small (key word small!) portion of our portfolios to individual stock picks where we see a clear structural advantage. It’s about balancing the math of the market with the excitement of finding the next winner.

In this episode, we discussed:

-The International Super-Cycle: Why the valuation gap is finally too big to ignore.
-AI Implementation: Moving past the "chatbot" hype into real industrial ex*****on (think Samsung and Alphabet).
-Policy-Driven Inflation: How a shift in the Fed's board could create a unique environment for financials and REITs.

A huge thank you to Stephen and the team at the Early Bird Podcast for the fantastic roundtable discussion.

Check out the full episode on Apple**: https://podcasts.apple.com/us/podcast/stock-market-picks-and-trends-in-2026/id1585400969?i=1000743770288

**None of this post or the podcast should be construed as financial advice and is for educational purposes only, you need to meet with a professional who knows your situation to understand if any investment is correct for your personal portfolio.

Podcast Episode · Early Bird · 01/05/2026 · 23m

01/03/2026

Want to shift $16,100 from a 41% tax bracket* to a 0% bracket this year? You might be able to do it in 2026.

Hiring your children is the a great way to avoid taxes and help build generational wealth. It’s not about an allowance, it’s about:

-The Business Deduction: Lowering your own taxable income.
-Tax-Free Growth: Funding a Roth IRA for their future.
-F**A Exemptions: Saving thousands in payroll taxes.

It's only January 3rd. You have exactly 12 months to set this up and execute perfectly for the 2026 tax year.

Stop leaving family wealth on the table. Read the full step by step guide here:

https://www.purposebuiltfs.com/blog/paying-your-children-a-financial-tax-win-win-for-small-business-owners

And if you have questions or are looking for other tax and investment tips to build wealth faster, reach out today.



*The tax bracket for households in the SALT phaseout range in 2026 can exceed 41%!

12/08/2025

Is your portfolio ready for a change in leadership?

For over almost a decade, US stocks have been the undisputed kings of the market. But in 2025, the tables have turned and international markets are leading the way!

This shift is a perfect reminder of a core investing truth: Diversification is always apologizing for something. It means you never have 100% of your money in the absolute best performer. But it also means you aren't left behind when the winners rotate.

Our new article discusses:

- Why US stocks are trailing international markets this year.
- The danger of "recency bias" in your portfolio (and of FOMO).
- How true diversification protects and grows your wealth over the long haul.

Don't let the headlines dictate your strategy. Learn why a balanced approach is your best defense (and offense!).

https://www.purposebuiltfs.com/blog/diversification-is-always-apologizing-for-something-and-thats-why-it-works

11/11/2025

Your Pool Guy has a better satisfaction score than your Financial Advisor. Seriously!

New survey data shows millionaires are firing advisors due to high costs (uncapped AUM) and shockingly poor, slow service.

If you have complex finances, you need more than a generic portfolio. You need Integrated CFP®/CPA expertise and a partner committed to a low client ratio.

See why the traditional model is broken (and what we do instead):

https://www.purposebuiltfs.com/blog/why-millionaires-are-more-satisfied-with-their-personal-trainer-than-their-financial-advisor-and-what-can-be-done

11/04/2025

Most of us think we know how long we’ll live… but most of us are wrong.

If you've already made it into your 60s, the odds are overwhelmingly in your favor that you’ll live well into your 80s or beyond. But this isn’t just an interesting statistic, it has major real-world implications for:

➡️ When you should claim Social Security
➡️ Whether Roth conversions are worth it
➡️ How to avoid the widow(er)’s tax penalty
➡️ How long your money really needs to last

And yes, many people leave tens or hundreds of thousands of dollars behind simply because they misunderstood life expectancy.

I wrote a new article breaking down this misconception and showing how a few smart planning choices can make your retirement far more secure and less stressful.

https://www.purposebuiltfs.com/blog/why-youre-likely-to-live-longer-than-you-think-and-why-it-matters-for-your-retirement-plan

If you want help building a plan around a long, active retirement, I’m here when you’re ready.

10/27/2025

Feeling the FOMO on AI stocks? Before you jump into niche investments, you might be surprised to learn how much AI exposure you already have!

Our new article, "AI Investment: Why 'Direct Exposure' May Be Overrated," reveals why your diversified S&P 500 portfolio is already riding the AI wave. We're talking hard data:

-78% of companies already use AI in their operations.
-Mega-techs like NVIDIA (7.3% of S&P 500) and the "Magnificent 7" (35% of S&P 500) are deeply integrated with AI.
-AI is boosting profits across ALL sectors – from banks detecting fraud (Mastercard blocks $20B/year with AI!) to hospitals and factories.

Why does this matter? Because chasing individual "AI darlings" can add unnecessary risk. Your diversified investments automatically adapt to AI-driven growth across the economy.

Understand how to strategically position your wealth for the AI era without falling for the hype. Read our full insights!

🔗 https://www.purposebuiltfs.com/blog/ai-investment-why-direct-exposure-may-be-overrated-your-portfolio-already-has-more-than-you-think

Cut through AI investment hype. Your S&P 500 portfolio likely has ample AI exposure. Learn why diversification is your best AI strategy.

10/17/2025

The hidden cost of success isn’t just higher taxes; it’s the emotional weight of managing wealth.

High earners often face silent struggles: imposter syndrome, lifestyle creep, and the overwhelming role of “family CFO.”

At Purpose Built, we help successful professionals move beyond spreadsheets to find peace of mind through integrated financial planning and tax strategy.

✅ Replace stress with strategy
✅ Align your wealth with your values
✅ Build a financial plan that supports your life — not the other way around

Read the full article here: https://www.purposebuiltfs.com/blog/the-hidden-cost-of-success-managing-the-emotional-side-of-wealth-and-financial-decisions

If this resonates with you, let’s talk about how to lighten that load.

10/13/2025

Preparing for the 2026 Roth Catch-Up Changes - https://mailchi.mp/purposebuiltfs/june-6745690

09/16/2025

BIG NEWS for your retirement savings! The IRS just finalized a major rule from the SECURE 2.0 Act that changes how high earners can make catch-up contributions.

Starting in 2026, if your income is above a certain threshold, your catch-up contributions will no longer be pre-tax. Instead, they must be made as Roth contributions, meaning you pay taxes on them now, but they grow and are withdrawn tax-free in retirement!

This shift from a tax deduction to tax-free growth is a strategic trade. Our new article explains exactly who is affected, why this is happening, and what steps you should be taking now.

Don't leave your retirement to a "wait and see" approach. Read our full guide to make sure you're prepared!

https://www.purposebuiltfs.com/blog/irs-finalizes-roth-catch-up-rules-what-high-earners-need-to-know-for-2026

New IRS regulations mean mandatory Roth catch-up contributions for high earners starting in 2026. Learn how to turn this shift into a powerful tax-free advantage for your retirement strategy.

09/09/2025

Sandwiched, but Thriving - https://mailchi.mp/purposebuiltfs/june-6745089