Evan Drury of Gateway Financial Partners

10/21/2026

Worried about your adult children and inheritance? Ever thought about a Trust?

I've encountered plenty of worries lately from parents wanting to protect their children after their gone.

These worries stem from the parents noticing their children aren't the best at managing money and maybe never will be.

Enter the Revocable Trust.

It gives you control over the assets in the Trust while alive.

You can change it during your lifetime.

Have trustees to act for you if you become incapacitated or pass away.

Put rules in place so that adult children inherit principal in tranches - 30, 35, 40 years old get a 1/3 distribution at those ages.

While also getting income and support up to those ages or until it's all distributed.

The Trustees and advisors managing the Trust can aid in the continued education of your child.

Can it protect against a child's divorce and keep the assets in the family? Sure but to a point.

Once that money is in the adult child's custody then they could lose their protections quickly if they comingle funds or buy a joint asset with the funds like a house.

This is likely the simplest Trust option.

You could be more restrictive with an irrevocable trust and add even more protections and have the child own an interest in the Trust and not Principle.

But there's always two sides to the coin.

Pros and Cons must always be weighed.

Just know that there's plenty of strategies out there and make sure to review your options not just one.

I can't write about all trusts here and please always seek an estate planner for Wills, Trust and guidance.

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10/08/2026

Headlines will just stress you out and here's what to do instead.

This message has been recycled both positive and negative for months now.

Oil prices surging, war is on/war is off, stocks trade lower.

The real circus is coming with politics in full force for November. Likely there will be more chaos with that.

The market will go up and down with any bit of chaos in the news.

In any case expect that there will always be chaos.

Even with the noise this year the market is up close to 14% for the year as of today - per Marketwatch

What to do instead.

Create the long-term plan for your life.

Invest in a way that makes sense today and for the next ten years. Both on the grow and protection side.

Make adjustments for your plan, not because the headlines say you should be scared, but because it fits into your lifetime plan.

Lastly put down the phone and turn off the TV and take a walk. I promise you'll feel a lot better getting outside and getting away from screens.

There will be plenty of time to be informed but just know it won't help with your finances day to day.

10/02/2026

You don't get 30 good years in retirement.

Let's say retirement age is 65

You might have the ability to travel and live how you want until your late 70s

After that life tends to slow down.

You travel less and do less physical activities.

Somewhere by the mid 80s you might not want to go far from home.

It's often said you only get 12 good years

If you can retire think about doing it earlier rather than later

One more year of work can be a trap.

Make a plan know your numbers and safety net you have in place.

Retire and enjoy what you've built.

Quick caveat I have clients in their 80s that still hike and cross country ski so also don't live thinking you can't extend your good years with good habits.

10/01/2026

This is scary.

I know scams have been around for ages even AI ones.

But the fact that AI can mimic voices now and it's not hard to do because I've looked it up and within 10 minutes I figured out how to do it.

The main thing to keep you and your family safe is to have a password for major events involving money or other.

If they don't have the password then they aren't really the person you think they are on the other end period end of story.

I've seen a lot of financial scams over the years and this video is old. All the more reason to create a plan to protect yourself today.

What I do in addition to passwords is not trust the phone number calling me isn't spoofed (or faked to look like the number and name on the screen), I would hang up and call the number in my phone and someone close to that person that may have been with them to verify whatever claim - this is only in major situations.

The main thing is to verify anything through another source be it bank or personal.

I would have a password or code word to protect from difficult situations.

Simple easy processes in place can mean serious protection and removing these worries from your life in large part.

Knowing this is out there isn't to worry anyone it's so you're not caught off guard and have to make a decision in a moment of crisis.

09/29/2026

This is hysterical

09/25/2026

"A Roth is Always Best" is Wrong - Here's what you shouldn't get wrong

or you should always convert.

1. When you're in a higher tax bracket now vs. lower in retirement

2. Conversions spike your IRMAA (think your Medicare costs) unnecessarily

3. If the plan is to have your heirs inherit consider if their in a lower tax bracket to begin with.

4. Converting because Roth is "better" - If you convert at the highest tax bracket and retire into the highest tax bracket it's likely you'll end up in a similar boat you just did more work to get there.

5. Converting in a state that taxes income when you were planning to move to a state that doesn't in the near future. Waiting could be beneficial here.

Roth conversions are often best after you're done working/sold the business before RMDs being and your income is low.

Better to pay the tax from cash rather than the conversion.

Just make sure to make a plan and talk with your tax advisor.

Not advice just a thought.

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09/21/2026

You can't just buy the S&P and leave it be.

Now i'm not saying that you have to be overly complex when you invest.

Actually simpler is often best in my mind.

Here's what I am saying

The S&P 500 is one of many indexes.

There was a span of 10 years called the lost decade where the S&P 500 was actually negative for that ten year span when you average out the yearly return.

So don't focus on one index like you shouldn't focus everything on one or a few stocks.

Understand your risk tolerance

Then create a diversified portfolio with stock and bond indexes to match the risk/return that makes sense for you

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09/04/2026

Make $500,000 and still broke

How can this happen?

That's an incredible amount of money and most people do well on far less

But what happens in these types of scenarios are all too similar (baring things like health issues or serious unavoidable situations)

Buy too big a house

Buy a boat

Maybe a few luxury cars

Don't review spending

Forget about taxes

Thinking the money will always come in

It's unfortunate to see some people with all the capabilities of building something for their family squander it on expensive stuff

But you cant out earn bad habits

To counter this

- Track your spending once a month

- Set automatic saving and investing transfers

- Make a plan

- Move towards the goals that really matter not the stuff you'll be bored of in a few months anyway.

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09/02/2026

Worried about AI watch this.

I've seen a lot of doom and gloom around AI and the future.

Now maybe we should be concerned or maybe it's just company owners hyping up their product.

Will it be a useful tool where the worry is overblown like the radio and TV situations of the past?

What we do know is that we have no control over what will happen.

We can only control how we respond.

In this case understanding the tech is helpful for one.

Current benefits and in the case of the video limitations.

It seems we can't trust the tech to give us an honest representation of its up to date capabilities and unless you program it to argue with you it will be far too positive in how it responds to you.

So for now it seems useful for work or research but a human is only enhanced by it not replaced.

Either way check this video out for some levity on the topic and maybe a little peace of mind.

08/05/2026

"I can't take it anymore I just want to retire"

This seems to be the sentiment more and more these days. People just want to retire.

They can't stand the nonsense anymore.

WFH - not available because we have to "collaborate" in yet another meeting that could have been an email and go back to work after with one less hour in the day.

If you aren't at that point yet you'll be surprised how quickly it can happen.

Start building the life you want to live today so that you have options when you hit that point.

Plan
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Create your freedom

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