by Jacob Millican | Apr 23, 2026 | Financial Planning, Investment, Retirement
Most investors don’t think they are taking on too much risk. But over time, small decisions can quietly increase portfolio risk in ways that aren’t always obvious. Not because of the market. But because of how portfolios are built and managed. After years of working...
by Jacob Millican | Mar 26, 2026 | Financial Planning, Investment, Retirement, Taxes
Introduction: The Retirement Income Problem No One Names Much of today’s conversations around retirement income centers on how much retirees can safely withdraw from their portfolios. Concepts like safe withdrawal rates and required minimum distributions (RMDs)...
by Jacob Millican | Feb 19, 2026 | Financial Planning, Retirement, Taxes
Most people think tax planning happens in March. That’s when returns get filed. Numbers are finalized. Checks are written. But filing a return is not tax planning. It’s documentation. Real tax planning happens year-round through modeling, projections, and scenario...
by Jacob Millican | Jan 29, 2026 | Financial Planning, Investment, Retirement
Every January, investors are flooded with market forecasts promising clarity about what the year ahead might bring. Predictions about interest rates, inflation, elections, recessions, and market returns dominate headlines. They’re delivered with confidence, backed by...
by Jacob Millican | Oct 30, 2025 | Financial Planning, Investment
Understanding the Disconnect Between Relative and Absolute Risk For investors, wealth isn’t just about numbers it’s about security, opportunity, and legacy. Yet, when it comes to managing investments, there’s often a disconnect between how financial advisors assess...
by Jacob Millican | Sep 4, 2025 | Financial Planning, Investment, Retirement, Taxes
The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025, with much fanfare and yes, the name sounds like something dreamed up in a focus group. But beyond the marketing, this bill brings real, sweeping changes to the tax code. These updates affect...
