Free Financial Planning Guides
Deep-dive PDFs on the planning decisions we work through with clients — written in plain English, free in exchange for your email.
Free PDF Guide
The Roth Conversions Guide
When conversions win, how to size each year's conversion, the five-year clocks, and the IRMAA and subsidy trade-offs — in one plain-English PDF.
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The Business Entity Structures Guide
LLC, S corp, or C corp: the self-employment-tax math, the QBI layer, reasonable compensation, and when switching structures actually pays.
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The Business Exit Planning Guide
The eight exit paths, asset vs. stock sales, QSBS, installment sales and earnouts, ESOPs, and the year-of-sale tax plan — in one PDF.
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The Charitable Giving Guide
Tax-smart generosity: donor-advised funds, bunching, appreciated stock, QCDs, and the 2026 rules that change the math of giving.
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The Estate Planning & Gifting Guide
Beyond the will: beneficiary designations, the $15 million exemption, annual gifting, step-up basis, and when trusts earn their keep.
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The Inherited Retirement Accounts Guide
For beneficiaries: the 10-year rule, who can still stretch, spousal choices, the mistakes that cannot be undone, and when to withdraw.
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The Real Estate Tax Strategy Guide
Depreciation and cost segregation, 1031 exchanges, Opportunity Zones, and the OBBBA bonus depreciation reset — in one PDF.
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The Small Business Retirement Plans Guide
Solo 401(k), SEP IRA, SIMPLE, or cash balance: how profit, payroll, and QBI pick your plan, with the 2026 limits and deadlines.
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The Social Security Claiming Guide
Beyond break-even math: how benefits are computed, spousal and survivor coordination, taxation, and the questions the calculators miss.
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The Stock Compensation Guide
RSUs, ISOs, NSOs, and ESPP: how each is taxed across the three tax moments — grant, exercise or vest, and sale — plus AMT, 83(b), and NUA.
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The Understanding Medicare Guide
Parts A through D, enrollment windows and penalties, Advantage vs. Medigap, and how income (IRMAA) sets what you'll actually pay.
Get the guide →More guides are on the way. In the meantime, our latest thinking is always free on the Insights page.