EmberHouse Wealth Advisory

10/22/2026

A will guides your estate through probate. It does not skip the line. That distinction surprises a lot of people who assumed the paperwork had settled it.

Your estate planning assumptions may deserve a review.

10/20/2026

One change that may surprise charitable givers this year: if you itemize, charitable gifts are now generally deductible only above 0.5% of your adjusted gross income. On the other hand, non-itemizers can now deduct up to $1,000, or $2,000 for joint filers, in cash gifts. That is just one of 5 year-end opportunities covered in my complimentary guide.

Simple moves to consider before end of year.

10/15/2026

Updating your will does not update everything. Retirement accounts and life insurance policies generally pass to whoever is named directly on them, which means a designation from years ago may still be standing.

Some common assumptions can affect what happens.

10/13/2026

Tax filing happens next spring. But many tax decisions have to happen before December 31 to count for this year. Retirement contributions, charitable gifts, Roth conversions, harvesting gains or losses. Once the calendar flips, some of those windows close. My complimentary guide walks through 5 year-end moves to review while there is still time.

See what the latest tax law updates may mean for you.

10/08/2026

Myths survive because they feel true. Estate planning is full of them — beliefs that sound completely reasonable right up until they do not hold. Here are six worth a closer look.

6 common myths could leave costly gaps in your plan.

10/01/2026

You cannot control what markets do in the years around your retirement. That part is unpredictable. But your response is not. A few thoughtful choices can give your plan more room to adapt, whatever the timing brings.

Retirement isn't just about how much you save.

09/24/2026

Most people measure retirement readiness with a single question: have I saved enough? It matters. But it is not the only question that helps decide how your retirement actually unfolds.

The ten years that deserve extra attention.

09/17/2026

In football, the red zone is where the biggest plays happen. Retirement has a red zone too. It is the stretch of years right around the day you stop working, and what happens during it can shape everything that follows.

Meet the Retirement Red Zone.

09/16/2026

A short video on seeing the BIG picture.

09/10/2026

Two people retire with nearly identical savings, spend about the same, and earn similar returns. One enjoys decades of security. The other faces hard choices much sooner. How does that happen? The answer has a name, and it is worth understanding well before you get there.

Even if they saved the same amount.