Purpose Built Financial Services, LLC

06/27/2026

Real wealth isn't just about accumulating capital on a screen. It’s about buying back your time and earning the freedom to disconnect from the grid.

With the July 4th holiday weekend coming up next week, it’s the perfect time to reflect on "America’s best idea," our National Parks system, and the massive personal ROI of introducing intentional friction between yourself and your devices.

For high-earning executives and tech leaders, nature can act as the ultimate behavioral circuit breaker for digital burnout (I don’t think Teddy thought of that when he cemented National Parks into our culture but we appreciate it).

At Purpose Built, we operate as our clients' Personal CFO. We handle the heavy lifting of complex tax brackets, corporate equity, and financial engineering, but we also believe that true wealth must align with your personal values. That is why we embed our sustainability beliefs into our corporate identity, proudly renewing our membership in the National Park Foundation Champions Society and committing 1% of our gross revenues to environmental conservation which is certified through our membership with 1% for the Planet.

Bonus for fellow mountain bikers: The article wraps up with a quick "side quest" looking at the brand-new, carbon-neutral Theodore Roosevelt Presidential Library opening next week, which features direct trail access to 144 miles of continuous Badlands singletrack.
Let’s build a financial legacy worth inheriting.

https://www.purposebuiltfs.com/blog/national-parks-july-4th-sustainable-legacy

Celebrate Independence Day by exploring the profound value of America’s National Parks. Discover why Purpose Built Financial Services integrates comprehensive wealth management with environmental stewardship through 1% for the Planet and the National Park Foundation.

06/24/2026

The best-kept tax secret of 2026: The Dependent Care FSA maximum just got a massive bump to $7,500 (up from the long-standing $5,000 limit).

If you have kids in preschool or local summer day camps, this expansion is an immediate tax-saving win that allows you to pay for everyday child care using pre-tax dollars.

I recently joined Lorie Konish at CNBC to discuss how affluent families can capitalize on this updated perk while avoiding a few major IRS landmines:

❌ It's strictly use-it-or-lose-it. Any leftover balance at the end of the year is permanently gone.
❌ No overnight camps. Local day camps are fully qualifying, but traditional sleepover camps are completely off the table.

A huge thanks to Lorie and the team at CNBC for featuring my insights on this major policy shift. Read the full piece below to see how you can grab this extra tax relief!

👇 Read the full article here:
https://www.cnbc.com/2026/06/22/child-care-tax-breaks.html

Childcare can be expensive for both parents and their employers. Yet existing tax incentives to help defray those costs may go unused, a new report finds.

06/11/2026

I was featured as an expert contributor on CNBC today, talking about smart places to park your savings following Wednesday's 4.2% inflation report.

When inflation ticks up, leaving extra cash in a basic account means losing purchasing power. But as financial planners, we always caution that the goal shouldn't be to chase high returns by taking big risks with your short-term money. It’s about matching your cash to your timeline.

In the article, I shared why I utilize ultra-short Treasury ETFs for both my clients and my family's cash. They provide an excellent yield backed directly by the U.S. government, combined with liquidity.

If you have cash sitting on the sidelines and want to see how tools like short-term Treasurys, high-yield accounts, or municipal bonds stack up, give the article a read!

https://www.cnbc.com/2026/06/10/inflation-eroding-cash-returns.html

While inflation is a normal part of the economy, the higher it is, the more your idle cash is losing purchasing power over time.

05/22/2026

Have you finally recovered from your April tax bill but are still left wondering why your corporate payroll can’t seem to get your taxes right when your bonuses or RSUs vest? 🤯

It is incredibly frustrating to be crushing the corporate ladder, only to get hit with an unexpected five-figure personal tax bill every April.

The culprit is the statutory supplemental withholding rate. When your company pays out an equity vest or an annual bonus, the system defaults to a flat 22% federal tax withholding. For a household clearing $400k+, your actual tax tier is much higher, meaning you are quietly compounding a massive tax deficit with every single vest throughout the year.

Failing to anticipate this structural payroll mismatch means letting the tax code dictate your family's cash flow.

In my latest article, I pull back the curtain on this withholding trap, lay out the exact underlying math, and share the coordinated steps you can take mid-year to fix it before your next liquidity event.

Take control of your tax timeline and eliminate the April cash shock. Read the full post here: https://www.purposebuiltfs.com/blog/22-percent-supplemental-tax-withholding-trap

03/03/2026

If you have a child born between 2025 and 2028, the government is officially offering a $1,000 "seed" deposit to jumpstart their financial future. This "free money" is part of the new Section 530A accounts (aka "Trump Accounts") launching this July 4th.

While the free $1,000 is a no-brainer, it gets more interesting for older children and deciding if you want to put some of your own funds in the accounts.

I’ve put together a step-by-step guide on how to claim your seed money, how to hire your kids to jumpstart their Roth IRAs, and where the "Trump Account" actually fits in your family’s priority list.

Check out the "Purpose Built" hierarchy for child savings: https://www.purposebuiltfs.com/blog/the-2026-child-savings-hierarchy-navigating-trump-accounts-529s-and-iras

Discover the 2026 "Child Savings Hierarchy" for high-income households. Learn how to strategically stack Section 530A "Trump Accounts," 529 Plans, and Roth IRAs to maximize tax-deductible wealth transfers and avoid the Kiddie Tax trap.

01/06/2026

I recently joined Steven Lerner on the Early Bird Podcast to dive into the macro themes defining the year ahead. While my firm’s philosophy is rooted in broad-based ETFs for the highest long-term return, I’ll let you in on a secret: I still love the "search for Alpha."

I, and many of my clients, dedicate a small (key word small!) portion of our portfolios to individual stock picks where we see a clear structural advantage. It’s about balancing the math of the market with the excitement of finding the next winner.

In this episode, we discussed:

-The International Super-Cycle: Why the valuation gap is finally too big to ignore.
-AI Implementation: Moving past the "chatbot" hype into real industrial ex*****on (think Samsung and Alphabet).
-Policy-Driven Inflation: How a shift in the Fed's board could create a unique environment for financials and REITs.

A huge thank you to Stephen and the team at the Early Bird Podcast for the fantastic roundtable discussion.

Check out the full episode on Apple**: https://podcasts.apple.com/us/podcast/stock-market-picks-and-trends-in-2026/id1585400969?i=1000743770288

**None of this post or the podcast should be construed as financial advice and is for educational purposes only, you need to meet with a professional who knows your situation to understand if any investment is correct for your personal portfolio.

Podcast Episode · Early Bird · 01/05/2026 · 23m

01/03/2026

Want to shift $16,100 from a 41% tax bracket* to a 0% bracket this year? You might be able to do it in 2026.

Hiring your children is the a great way to avoid taxes and help build generational wealth. It’s not about an allowance, it’s about:

-The Business Deduction: Lowering your own taxable income.
-Tax-Free Growth: Funding a Roth IRA for their future.
-F**A Exemptions: Saving thousands in payroll taxes.

It's only January 3rd. You have exactly 12 months to set this up and execute perfectly for the 2026 tax year.

Stop leaving family wealth on the table. Read the full step by step guide here:

https://www.purposebuiltfs.com/blog/paying-your-children-a-financial-tax-win-win-for-small-business-owners

And if you have questions or are looking for other tax and investment tips to build wealth faster, reach out today.



*The tax bracket for households in the SALT phaseout range in 2026 can exceed 41%!

12/08/2025

Is your portfolio ready for a change in leadership?

For over almost a decade, US stocks have been the undisputed kings of the market. But in 2025, the tables have turned and international markets are leading the way!

This shift is a perfect reminder of a core investing truth: Diversification is always apologizing for something. It means you never have 100% of your money in the absolute best performer. But it also means you aren't left behind when the winners rotate.

Our new article discusses:

- Why US stocks are trailing international markets this year.
- The danger of "recency bias" in your portfolio (and of FOMO).
- How true diversification protects and grows your wealth over the long haul.

Don't let the headlines dictate your strategy. Learn why a balanced approach is your best defense (and offense!).

https://www.purposebuiltfs.com/blog/diversification-is-always-apologizing-for-something-and-thats-why-it-works

11/11/2025

Your Pool Guy has a better satisfaction score than your Financial Advisor. Seriously!

New survey data shows millionaires are firing advisors due to high costs (uncapped AUM) and shockingly poor, slow service.

If you have complex finances, you need more than a generic portfolio. You need Integrated CFP®/CPA expertise and a partner committed to a low client ratio.

See why the traditional model is broken (and what we do instead):

https://www.purposebuiltfs.com/blog/why-millionaires-are-more-satisfied-with-their-personal-trainer-than-their-financial-advisor-and-what-can-be-done

11/04/2025

Most of us think we know how long we’ll live… but most of us are wrong.

If you've already made it into your 60s, the odds are overwhelmingly in your favor that you’ll live well into your 80s or beyond. But this isn’t just an interesting statistic, it has major real-world implications for:

➡️ When you should claim Social Security
➡️ Whether Roth conversions are worth it
➡️ How to avoid the widow(er)’s tax penalty
➡️ How long your money really needs to last

And yes, many people leave tens or hundreds of thousands of dollars behind simply because they misunderstood life expectancy.

I wrote a new article breaking down this misconception and showing how a few smart planning choices can make your retirement far more secure and less stressful.

https://www.purposebuiltfs.com/blog/why-youre-likely-to-live-longer-than-you-think-and-why-it-matters-for-your-retirement-plan

If you want help building a plan around a long, active retirement, I’m here when you’re ready.