Financial Alternatives, Inc.

04/24/2026

We put together our April planning newsletter this month on tax-efficient investing — an area where small, deliberate decisions tend to add up more than people expect.

There's no single "optimal" approach, but there are repeatable strategies worth having on your radar: how you locate assets across account types, which fund structures work better in taxable accounts, how you sequence rebalancing, and when to harvest losses or gains depending on the year.

If any of this is relevant to your situation, we think it's worth a read.

Read the full article: https://www.financialalternatives.com/financial-alternatives-inc/2026/4/6/planning-newsletter-april-2026

Most higher net worth households realize income from many different sources like capital gains, interest, dividends, and pass-through income. While there’s no optimal approach to mitigating taxes from your investments, there are repeatable strategies and techniques to help keep more of what you e

04/16/2026

Our Q1 2026 Market Review is now available.

The first quarter brought meaningful shifts across equity and fixed income markets. We've put together our latest review to help clients and friends of the firm make sense of what happened — and what it may mean looking ahead.

📄 Read the full review: https://www.financialalternatives.com/financial-alternatives-inc/2026/4/6/market-review-q1-2026

The US equity market posted negative returns for the quarter and underperformed both non-US developed and emerging markets. Developed markets outside of the US posted negative returns for the quarter and outperformed US markets, but underperformed emerging markets. US real estate investment tr

04/06/2026

When we’re looking at planning strategies that can have a meaningful impact over time, tax management is one of the most valuable areas to focus on. With so much in life that we can’t control, taxes are one of the few variables where thoughtful planning can make a real difference.

One of the most impactful strategies we evaluate with clients is the Roth conversion.

When we’re looking at planning strategies that can have a meaningful impact over time, tax management is one of the most valuable areas to focus on. With so much in life that we can’t control, taxes are one of the few variables where thoughtful planning can make a real difference. 

02/10/2026

When people talk about financial goals, “living comfortably” often comes up first. But comfort rarely means the same thing to everyone.

This article explores how financial planning can help bring structure and clarity to uncertainty, and why feeling prepared often matters more than having everything figured out.

Today, when I talk with people about money and their goals, they often say they just want to “live comfortably.” I find myself saying the same thing. Over time, I’ve learned that while the phrase sounds simple, it’s deeply personal. It almost never means the same thing from one person to the...

01/30/2026

As Financial Alternatives approaches its 35th anniversary, this article reflects on longevity, resilience, and the value of long-term relationships—both in markets and in life. A look back at where we’ve been, and why perspective matters as we move forward.

Written by Andrew Hoffarth, CFP®.

Here we are… winding down the very last hours of 2025, marking the end of the first quarter of the 21st century. Soon, we will find ourselves chronologically closer to the unknown experiences of the 2050s than to the Y2K panic, the hanging chads in Florida, and heated debates of Team Britney (Spea...

11/25/2025

It’s a natural impulse, especially when markets appear like they are about to collapse due to being bloated and overexpensive, and headlines reinforce the idea that a correction is overdue. But history shows that periods of discomfort are often when discipline matters the most. Time in the market has consistently proven more reliable than attempts to time it.

It’s a natural impulse, especially when markets appear like they are about to collapse due to being bloated and overexpensive, and headlines reinforce the idea that a correction is overdue. But history shows that periods of discomfort are often when discipline matters the most.

11/10/2025

Did you know that cognitive decline can last up to 15 years?

Caring for someone with cognitive impairment can last up to 15 years. This can cost more than $700,000 in expenses, according to a new study. Learn more

10/23/2025

Irrevocable Life Insurance Trusts are really not complicated, despite how they may appear. In this blog, we’ll discuss what you need to know about them, in simple terms.

10/06/2025

On July 4th, 2025, President Trump signed into law the One Big Beautiful Bill Act (OBBBA), which was subsequently approved by Congress. This bill has many implications. In this blog we will discuss what it means for individuals of high net worth and people in the higher tax brackets.

On July 4th, 2025, President Trump signed into law the One Big Beautiful Bill Act (OBBBA), which was subsequently approved by Congress. This bill has many implications. In this blog we will discuss  what it means for individuals of high net worth and people in the higher tax brackets.

08/11/2025

Despite their growing importance, are often ignored when it comes to estate planning. This blog will teach readers what they need to learn about digital asset estate planning.

Despite their growing importance, digital assets are often ignored when it comes to estate planning.  For those that inherit or try to administer estates today, they could be facing a crisis trying to unlock the immense possible value of what gets left behind. This blog will teach readers w