Palmer Wealth Group

10/08/2026

Last summer, Congress changed federal estate tax law and called it “permanent.” For many families, that word became a reason to close the binder and move on.

But in tax legislation, “permanent” is a term of art — it means Congress chose not to attach an expiration date to the law. It doesn’t mean the law can’t change, and the historical record suggests it often does.

The quiet period after the law passed is where thoughtful review now begins. Four questions worth considering are in our latest Insights piece: https://palmerwealthgroup.com/scaling-a-boutique-professional-services-firm-the-player-coach-years/

Read the full article at the link above.

Informational only. Not tax, legal, or investment advice.

Growth stalls when the founder does two jobs badly. The four transitions in scaling a boutique professional services firm — from practice to real firm.

10/07/2026

Exit planning isn't a sudden decision—it's a years-long process that protects your business value, family wealth, and peace of mind.

Start years ahead: Build clean financials, transferable systems, and leadership structures that reduce founder dependency—buyers pay for performance, not potential
Clarify objectives early: 75% of founders feel regret within a year of exiting because they lacked clarity on what success looks like beyond the sale price
Prepare for options and surprises: Evaluate multiple exit paths, plan for taxes and wealth transfer, and put contingency plans in place for the unexpected
Source: https://bit.ly/4c7oZwS

Most entrepreneurs focus on building their business, not planning their exit. However, early exit planning is critical to protecting value, legacy, and what comes next.

10/07/2026

Nearly half of adults under 30 now live with a parent, and it’s not necessarily a free ride: most young adults living at home still contribute to household bills. Here’s what’s driving the shift and why it matters:

Housing costs have outrun incomes: Median home prices now sit at about five times median income, compared with roughly three times in the 1990s.

It’s not always a savings launchpad: 72% of young adults living at home contribute to household bills, and for some, moving home is less about getting ahead than simply making today’s costs manageable.

The effects can extend beyond the household: Delayed moves may also affect milestones like homeownership and family formation, along with spending and retirement saving.

See how today’s housing costs are changing the path to financial independence: https://bit.ly/3VjeWPg

Living at home may seem like a financial advantage, but new data shows many young adults are still struggling to gain solid financial footing.

10/07/2026

When a commercial beekeeper’s stage 3 colon cancer diagnosis led straight to chemotherapy, no one mentioned genetic testing that might help identify treatment options tailored to his tumor. Studies show many patients who could benefit from biomarker testing still don’t receive it. Here’s what’s worth understanding before making treatment decisions:

Ask about biomarker testing early: Genetic testing can show mutations that certain drugs are designed to target and may open the door to additional treatment options.

Know it’s often underused: Even when guidelines recommend testing, rates remain low for certain cancer types.

Consider a second opinion: In one patient’s case, testing happened only after he sought care elsewhere and ultimately led to a targeted treatment that slowed his disease.

Learn why biomarker testing may be an important part of the cancer treatment conversation: https://nyti.ms/4xZwTzG

Targeted gene therapies are highly effective at stopping cancers, but the very abundance of the treatments, plus cost and sluggish change, are hindering access.

10/01/2026

Serving on a nonprofit board is one of the most meaningful ways to give back — and one of the moments where "we should be doing this better" often surfaces first around the reserves conversation.

Most boards treat reserves as a single account. In practice, a well-run nonprofit is managing several distinct pools of money at once, each with a different job to do. Operating cash. Opportunity funds. Board-designated reserves. And, for some, a long-horizon quasi-endowment.

Our latest Insights article walks Texas boards and finance committees through a four-tier framework for thinking about reserves more clearly. Read the full article at https://palmerwealthgroup.com/texas-nonprofit-reserve-policy-tiered-framework/

Informational only. Not tax, legal, or investment advice.

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A tiered nonprofit reserve investment policy Texas boards can defend: operating cash, board-designated pools, and quasi-endowments under UPMIFA.

09/30/2026

73% of small businesses have seen expenses rise in the past three months, the sharpest increase since early 2025, while revenue is falling in most sectors. If margins are being squeezed, a few targeted cuts can help protect your bottom line.

Audit subscriptions and marketing: Cancel unused software and shift toward lower-cost strategies like email and organic social.

Renegotiate what you can: Shop around on utilities and internet and ask suppliers about better rates or volume discounts before contracts renew.

Let AI handle the busy work: Automating repetitive admin tasks can free up more time for work that supports revenue.

See which cost-cutting moves could make the biggest difference for your business: https://bit.ly/4yko70f

If business expenses are rising and revenue is struggling to keep up, you may be able to cut costs in a few areas and lessen the blow. Here are five places to look.

09/23/2026

You've built something worth protecting. And lately, the news cycle has a way of making even the most settled financial plan feel less settled.

If you've found yourself second-guessing a decision after watching the headlines — or wondering whether it's time to change course — you're not alone. A new survey found that half of Certified Financial Planner professionals now say the political environment is what clients raise most often as their top financial concern, ahead of inflation and the economy.

Our founder Luke Palmer shares what that shift means for the conversations happening at the kitchen table, and how a thoughtful advisory response looks different from a market-driven one. Read the full article at https://palmerwealthgroup.com/between-policy-and-panic-what-ive-been-hearing-from-clients/

Informational content only. Not intended as tax, legal, or investment advice.

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Half of CFP® pros say political anxiety is clients' top financial worry. Learn why it distorts decisions differently — and what a sound response looks like.

09/23/2026

Impulse buying doesn't have to derail your budget. A few small tweaks can turn spontaneous spending into planned spending:

Budget for spontaneity: Set aside a specific monthly amount for impulse buys so they're built into your plan, not a surprise expense.

Unfollow the triggers: Mute social accounts that push you toward unplanned purchases to cut temptation before it starts.

Add friction to checkout: Delete saved payment info and use cash for in-person shopping to make impulse buys a little harder to act on.

Learn more ways to keep spending in check: https://bit.ly/3V9DIRI

Waiting before making an unplanned purchase could be enough to stop an impulse buy in its tracks.

09/23/2026

About 70% of people turning 65 will need long-term care, and the costs can quietly erode the inheritance you hope to leave behind. Here’s how to prepare for care while keeping your broader financial goals in view:

Know the real costs: Nursing home care can top $114,000 a year, while in-home care averages about $80,000, potentially reshaping your savings plan quickly.

Build a funding strategy: HSAs, long-term care insurance, retirement income, and other assets can all play a role in covering care costs.

Talk to your family early: Nearly 2 in 5 families have never discussed inheritance plans. Having that conversation now can help avoid confusion later.

See how long-term care could affect your estate plan: https://bit.ly/3VqcfLB

Long-term care costs can reduce the inheritance you leave your children. Learn how to prepare for care while protecting your retirement and estate plans.

09/17/2026

College savings can feel tricky when you’re planning for a future your child may not follow exactly. Here are a few ways families can build in more flexibility:

• Keep 529s in context: They can work well for college and some qualified education paths, but may be less flexible if your child takes a gap year, starts a business, or chooses another route.
• Consider a backup account: Roth IRAs may let you withdraw contributions if needed, while keeping the money available for retirement if plans change.
• Don’t overlook free money: Merit scholarships, AP classes, and dual enrollment can help reduce future costs before the first tuition bill arrives.

See why a flexible college savings strategy may matter as much as the amount you save: https://bit.ly/4uyZScQ