Palmer Wealth Group

06/23/2026

You've built something significant. The question most families reach eventually isn't just how to protect it — it's whether they're accessing the full range of strategies available to them.

For a long time, certain investment approaches were reserved for institutions and the very wealthy. That's been changing. Our latest article explains what's shifted, what it may mean for families navigating this stage, and what to consider carefully before making any decisions.

Read the full article at https://palmerwealthgroup.com/alternative-investments-and-what-the-5m-threshold-unlocks/

For informational purposes only. Not investment, tax, or legal advice. All investing involves risk, including possible loss of principal. Consult a qualified professional regarding your individual circumstances.

Most $5–30M families allocate far less to alternative investments than institutions do. Learn what the qualified purchaser threshold now makes accessible.

06/23/2026

This article started as a note I kept returning to after planning meetings. There's a specific kind of gap I see — between how people manage their business and how they manage their personal wealth. I finally tried to explain why it exists.

High achievers make predictable personal finance mistakes. Understand the High Achiever Paradox and what structurally changes the outcome.

06/23/2026

You built something significant. But when did you last give your personal finances the same attention you give your business?

For many successful business owners and executives, the answer is uncomfortable. The same drive and confidence that built the enterprise can quietly work against personal wealth management. Researchers have a name for it: the High Achiever Paradox.

Luke Palmer, CFP®, AAMS®, CRPS®, AWMA® explores the two patterns he sees most often in planning conversations — and what a coordinated approach may help address. Read the full article at https://palmerwealthgroup.com/high-achiever-paradox-close-the-personal-wealth-gap/

For informational purposes only. Not personalized investment, tax, or legal advice. Investing involves risk.

High achievers make predictable personal finance mistakes. Understand the High Achiever Paradox and what structurally changes the outcome.

06/18/2026

Most people know they need a will. Few know what doesn't belong in one.

Including the wrong assets doesn't just create inconvenience — it can trigger legal disputes, expose private financial data to the public, or unknowingly disinherit the people you meant to protect.

Three areas where wills routinely fail people:

→ Beneficiary accounts (IRAs, 401(k)s, life insurance) pass by contract — not by will. Whatever your document says is irrelevant. If the named beneficiary hasn't been updated, the wrong person inherits.

→ Passwords and account numbers should never appear in a will. Once probated, a will becomes a public court record. That information is accessible to anyone who requests it.

→ Pets, fi****ms, business interests, and special needs dependents each require separate legal structures. A will alone isn't equipped to handle them correctly.

The full framework — including which assets belong in a trust instead — is linked below.

What's the most common estate planning mistake you see people make?

Source: https://bit.ly/qokTh

If you're unclear about the 10 things you should leave out of your will when drafting your estate plan, check out what legal experts have to say.

06/18/2026

Schools are ditching economics for “money classes,” and it could change how students handle debt forever. Here’s what students are learning now:

Real-World Skills First: Budgeting, credit scores, taxes, and investing are replacing theory in many classrooms.

Smarter Borrowing: Students are calculating loan payments and weighing college costs before committing.

Life Impact Matters: Financial literacy is proving more useful for everyday decisions than traditional economics.

See why more states are making this a graduation requirement: https://bit.ly/4rE1bFi

States are trading one requirement for another as they emphasize practical education.

06/17/2026

You spent years building something. The day you sell it isn't an ending — it's the beginning of one of the most complex financial transitions you'll ever face.

Most business owners put nearly all their preparation into the deal itself. The twelve months that follow deserve the same attention. Tax planning, investment decisions, and estate strategy all carry real deadlines — some of them before the final paperwork is signed.

Our latest Insights article walks through a practical framework for what comes next. Read the full article at https://palmerwealthgroup.com/financial-planning-after-selling-a-business-the-first-12-months/

For informational purposes only. Not investment, tax, or legal advice.

Financial planning after selling a business doesn't stop at the close. Build your 12-month framework for taxes, deployment, and estate strategy.

06/09/2026

You've worked hard to build something. The last thing you want is to find out your disability coverage doesn't actually protect it.

Most business owners assume their group plan covers 60% of their income. The reality — after benefit caps, excluded bonuses, and taxes — is often much less. Understanding what your policy actually provides is one of the most important planning conversations you can have.

We put together a plain-language guide to how this gap develops and what a more complete coverage structure looks like. Read the full article at https://palmerwealthgroup.com/own-occupation-disability-insurance-for-texas-business-owners/

For informational purposes only. Not tax, legal, or investment advice. Consult a qualified professional regarding your specific situation.

Most group disability plans replace far less than 60% of income for high earners. Learn how own-occupation disability insurance closes the gap.

06/03/2026

You did the work. You built something worth protecting. The last thing you want is to find out the plan you thought was solid has a gap you didn't see coming.

The estate tax rules changed last year. Many Texas families assumed that meant the planning conversation was over. It isn't. A spousal lifetime access trust can still be one of the more meaningful structures a married couple puts in place — but it comes with real risks worth understanding before you act.

We broke it all down: https://palmerwealthgroup.com/texas-slat-the-obbba-didnt-close-the-window/

Read the full article to see if this applies to your situation.

For informational purposes only. Not tax, legal, or investment advice.

Texas couples with $5–15M in appreciating assets: the OBBBA didn't close the SLAT planning window. Here's what the exemption doesn't protect.

06/02/2026

You built the business. You carry the policies. But what if the coverage you've relied on was never designed for the risks that actually threaten your organization?

Most business owners in the $5–$30 million range have solid operational coverage in place. What's often missing is protection against the institutional exposures — plan sponsor liability, management claims, key-person loss, and ownership transition gaps — that standard policies don't reach.

Our latest Insights article walks through four of those exposures and what a more coordinated approach to organizational risk can look like: https://palmerwealthgroup.com/the-business-liability-coverage-gaps-texas-executives-miss/

Read the full article at the link above.

For informational purposes only. Not legal, tax, or investment advice. Consult qualified professionals for guidance specific to your situation.

CGL and umbrella policies miss 4 critical business liability coverage gaps — ERISA, D&O, key-person risk, and buy-sell. See what's at stake.

05/25/2026

Some legacies are built on battlefields. Others are built at kitchen tables, in boardrooms, and across generations.

This Memorial Day, Palmer Wealth Group™ pauses to honor the men and women whose ultimate sacrifice gave us the freedom to build, dream, and plan for the future.

May we never take that freedom for granted — and may we always be worthy of it.

🇺🇸 Wishing you and your family a meaningful Memorial Day.