Prism Planning and Solutions Group

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Prism Planning and Solutions Group

Prism Planning and Solutions Group is a fee-only advisory firm. Based in White Plains, NY, we also operate virtually and serve clients nationwide.

We seek to ensure our clients feel well cared for, informed and secure during all stages of life. Prism Planning and Solutions Group, LLC is a fee-only financial planning and investment management firm. We are committed to empowering our clients to pursue their dreams and passions; we seek to ensure they feel well cared for, informed and secure during all stages of their lives. Prism is based in W

hite Plains, NY and operates both physically and virtually serving clients in more than twenty states. If you are following a unique path, be it what you do, where you live or who you love - you're likely to encounter complex circumstances, and might even feel marginalized or excluded. We understand those challenges and are dedicated to simplifying the financial intricacies of your life. We get you and we've got your back. Advisory services offered through Prism Planning & Solutions Group, dba of PPSGRP LLC, an SEC-registered investment adviser. The opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. The information in this material is not intended as tax or legal advice. Please consult with a tax advisor or attorney for advice regarding your specific situation. Past performance is not a guarantee of future results.

09/02/2026

The biggest financial mistakes are not always caused by bad intentions.

Sometimes they happen because the rules are complicated.

That’s why guidance matters.

New retirement rules can impact:

• Taxes
• Contributions
• Withdrawals
• Long-term planning

Having someone help you understand the details can make all the difference.

09/01/2026

Parents often ask:

“How can I help my child financially?”

There are many ways to support the next generation.

But every financial tool comes with rules.

Trump Accounts are a new opportunity — and understanding how they work is the first step.

Before contributing, consider:

✔ Your goals
✔ Your child’s future needs
✔ Tax implications
✔ How it fits into your overall plan

Smart giving starts with smart planning.

08/31/2026

📖 Financial planning lesson of the week:

The law is only part of the story.

Implementation matters.

Interpretation matters.

The details matter.

We’ve seen this with major retirement legislation like SECURE and SECURE 2.0.

Now, Trump Accounts are another reminder that staying informed is part of building a strong financial strategy.

08/28/2026

A few days before Trump Accounts launched, the IRS issued important guidance.

Why?

Because new financial rules often require clarification.

The IRS created a safe harbor addressing concerns about possible gift tax reporting requirements for contributions made before a child reaches age 18.

The takeaway:

Financial planning is not just about what happens today.

It’s about understanding how today’s decisions fit into tomorrow’s goals.

08/27/2026

Did you know that not all retirement accounts are created equal?

Many assume an account is just an account, but the IRS has its own views!

IRAs.
401(k)s.
HSAs.
Trump Accounts.

Each comes with unique rules and strategies.

Before making any financial moves, ensure you know what type of account you're handling!

08/26/2026

🚩 A new financial rule can create opportunity — but it can also create questions.

Trump Accounts are a perfect example.

A new account becomes available.

Families want to understand how to use it.

Then the important questions begin:

➡️ How does it work?
➡️ What are the tax rules?
➡️ What should I know before contributing?

The best financial decisions come from understanding the details — not reacting to the headlines.

08/25/2026

Every new financial rule creates two questions:

1. What opportunity does this create?

2. What risks should I understand?

Trump Accounts may offer a new way for families to save, but like any financial tool, they require thoughtful consideration.

The right decision depends on your goals, your situation, and your overall financial plan.

08/24/2026

When financial rules change, confusion is normal.

The important question is:

“Who can help me understand what this means for my situation?”

A fiduciary advisor’s role is to help you evaluate decisions based on your goals — not just the latest headline.

At Prism Planning and Solutions Group, we focus on helping clients understand the intersection of taxes and retirement planning.

08/21/2026

The “ready, shoot, aim” approach to legislation can create challenges.

A new law may pass quickly.

But implementation takes time.

Agencies must determine:

✔ How rules apply
✔ How reporting works
✔ What taxpayers need to know

We’ve seen this before with major retirement legislation.

The lesson?

Stay flexible. Stay informed. Adjust your plan as guidance develops.

08/20/2026

Have you heard about Trump Accounts?

Here are three things to know:

1️⃣ They are considered retirement accounts under IRS rules.

2️⃣ They are not the same as a traditional brokerage account.

3️⃣ The IRS recently provided guidance addressing gift tax concerns.

As with any new financial tool, understanding the rules is the first step.

Address

777 Westchester Avenue, Ste 101
West Harrison, NY
10604

Telephone

+19148313050

Website

http://www.PPSgrp.com/

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