ALNA Wealth Management

07/26/2025

Sometimes the universe has other lessons to teach you on your morning run!

This weekend, I was settling into my usual running rhythm with a podcast going ("The Knowledge Project) when something felt off. An unfamiliar noise. A rustling.

A rustling sound that didn't quite fit. Was it fireworks? An animal? or another runner? Reflexively, I stopped the podcast to gain my bearing.

Heart pounding. I catch a glimpse of something out of the corner of my eye. I took a step back. The rustling got louder...

Then it happened. Loud snap then crash... I took another step back as the large top of not so small tree broke free and came crashing down across the trail where I was running. Exactly where I would have been!

It was at that moment I said a prayer of thanks for safety and took inventory of the lessons learned:

Trust your instincts. That little voice telling you something isn't right? Listen to it. Our subconscious often picks up on details our conscious mind misses.

Quick decisions matter. In business and life, the ability to assess a situation rapidly and act can be the difference between success and disaster.

Don't let obstacles take you off your path. After documenting this close call, the run didn't stop. Challenges are temporary – your goals don't have to be.

Sometimes the best leadership lessons come from the most unexpected moments. What's the last time your instincts saved you from a mistake?

07/25/2025

𝐘𝐨𝐮𝐫 𝐂𝐏𝐀 𝐡𝐚𝐧𝐝𝐥𝐞𝐬 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐟𝐢𝐥𝐢𝐧𝐠, 𝐛𝐮𝐭 𝐭𝐡𝐞𝐫𝐞'𝐬 𝐚𝐧𝐨𝐭𝐡𝐞𝐫 𝐥𝐚𝐲𝐞𝐫 𝐨𝐟 𝐭𝐚𝐱 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐭𝐡𝐚𝐭 𝐦𝐚𝐲 𝐡𝐞𝐥𝐩 𝐨𝐩𝐭𝐢𝐦𝐢𝐳𝐞 𝐲𝐨𝐮𝐫 𝐰𝐞𝐚𝐥𝐭𝐡 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠 𝐚𝐧𝐝 𝐩𝐫𝐞𝐬𝐞𝐫𝐯𝐚𝐭𝐢𝐨𝐧.

Some high-net-worth individuals have a gap between tax preparation and comprehensive tax optimization. While your CPA handles the compliance work, strategic tax planning requires a different approach focused on proactive wealth building and preservation.

𝐂𝐨𝐧𝐬𝐢𝐝𝐞𝐫 𝐭𝐡𝐢𝐬 𝐞𝐱𝐚𝐦𝐩𝐥𝐞: A hypothetical portfolio growing at 7% annually might only achieve 5.5% after taxes. Over 20 years, that 2% difference could result in nearly $1 million less wealth on a $1 million portfolio.*

𝐓𝐡𝐞 𝐩𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬 from strategic tax planning:
- Withdrawal sequencing to help minimize lifetime tax burden
- Strategic Roth conversions during favorable tax periods
- Tax-loss harvesting and asset location strategies
- Coordinated planning with your professional team

Effective wealth management should integrate tax strategy into your financial decisions throughout both the accumulation and preservation phases.

I explore these concepts further, including potential strategies wealth advisors may use, in my latest article:

https://alnawealth.com/in-the-long-run/beyond-tax-filing-how-strategic-planning-can-protect-your-wealth/

*𝑇ℎ𝑖𝑠 ℎ𝑦𝑝𝑜𝑡ℎ𝑒𝑡𝑖𝑐𝑎𝑙 𝑒𝑥𝑎𝑚𝑝𝑙𝑒 𝑖𝑠 𝑓𝑜𝑟 𝑖𝑙𝑙𝑢𝑠𝑡𝑟𝑎𝑡𝑖𝑣𝑒 𝑝𝑢𝑟𝑝𝑜𝑠𝑒𝑠 𝑜𝑛𝑙𝑦 𝑎𝑛𝑑 𝑖𝑠 𝑛𝑜𝑡 𝑖𝑛𝑡𝑒𝑛𝑑𝑒𝑑 𝑡𝑜 𝑏𝑒 𝑟𝑒𝑝𝑟𝑒𝑠𝑒𝑛𝑡𝑎𝑡𝑖𝑣𝑒 𝑜𝑓 𝑎𝑐𝑡𝑢𝑎𝑙 𝑟𝑒𝑠𝑢𝑙𝑡𝑠 𝑜𝑟 𝑎𝑛𝑦 𝑠𝑝𝑒𝑐𝑖𝑓𝑖𝑐 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡, 𝑤ℎ𝑖𝑐ℎ 𝑤𝑖𝑙𝑙 𝑓𝑙𝑢𝑐𝑡𝑢𝑎𝑡𝑒 𝑖𝑛 𝑣𝑎𝑙𝑢𝑒. 𝑇ℎ𝑒 𝑑𝑒𝑡𝑒𝑟𝑚𝑖𝑛𝑎𝑡𝑖𝑜𝑛𝑠 𝑚𝑎𝑑𝑒 𝑏𝑦 𝑡ℎ𝑖𝑠 𝑒𝑥𝑎𝑚𝑝𝑙𝑒 𝑑𝑜 𝑛𝑜𝑡 𝑖𝑛𝑐𝑙𝑢𝑑𝑒 𝑎𝑛𝑦 𝑖𝑛𝑣𝑒𝑠𝑡𝑚𝑒𝑛𝑡 𝑟𝑒𝑙𝑎𝑡𝑒𝑑 𝑓𝑒𝑒𝑠 𝑜𝑟 𝑒𝑥𝑝𝑒𝑛𝑠𝑒𝑠 𝑤ℎ𝑖𝑐ℎ 𝑤𝑜𝑢𝑙𝑑 𝑟𝑒𝑑𝑢𝑐𝑒 𝑡ℎ𝑒 𝑓𝑖𝑔𝑢𝑟𝑒𝑠 𝑠ℎ𝑜𝑤𝑛. 𝑃𝑙𝑒𝑎𝑠𝑒 𝑘𝑒𝑒𝑝 𝑖𝑛 𝑚𝑖𝑛𝑑 𝑡ℎ𝑎𝑡 𝑖𝑡 𝑖𝑠 𝑝𝑜𝑠𝑠𝑖𝑏𝑙𝑒 𝑡𝑜 𝑙𝑜𝑠𝑒 𝑚𝑜𝑛𝑒𝑦 𝑏𝑦 𝑖𝑛𝑣𝑒𝑠𝑡𝑖𝑛𝑔, 𝑎𝑛𝑑 𝑎𝑐𝑡𝑢𝑎𝑙 𝑟𝑒𝑠𝑢𝑙𝑡𝑠 𝑤𝑖𝑙𝑙 𝑣𝑎𝑟𝑦.

A portfolio growing at 7% annually before taxes might achieve only 5.5% after-tax growth. Over 20 years, this 2% difference could cost you over $900,000 on a $1 million portfolio.* Many high-income professionals rely on their CPA for annual tax preparation while separately focusing on building stron...

07/04/2025

https://alnawealth.com/mid-year-financial-check-up/

The Halfway Mark: Are You On Track Financially? Live Webinar | Thursday, June 26, 2025 | 11:00 AM ET Take actions mid-year to avoid costly mistakes before year-end. You’ve worked hard to get to this point. But as life, markets, and income shift small financial issues are quietly building up. A mid...

06/16/2025

You work hard. You stay busy. The numbers look fine.

But here’s what most people don’t realize:

⚠️ Financial drift doesn’t announce itself.
🧨 A little portfolio shift here.
🧨 A bit more income than expected there.
🧨 A tax bracket that sneaks up.
🧨 An outdated beneficiary that nobody’s thought about since the last job change.

⚠️ These aren’t “problems.” Until they are.

⚠️ The reality is: small adjustments made before year-end can potentially save years of frustration, unnecessary taxes, and stress later.

Every year I see the same pattern:
Smart people. Good plans.

⚠️ But nobody stops mid-year to review where things really stand.

🔑 That’s why mid-year is where the real opportunity lives. While there’s still time to fix small things — before they become big things.

📌 I’ll be sharing a simple mid-year framework I use with business owners and professionals to make sure their plan stays on track!

(You’re invited — details here ⬇)

The Halfway Mark: Are You On Track Financially? Live Webinar | Thursday, June 26, 2025 | 11:00 AM ET Take actions mid-year to avoid costly mistakes before year-end. You’ve worked hard to get to this point. But as life, markets, and income shift small financial issues are quietly building up. A mid...

02/14/2025

📢 Are Your Investments Positioned for Tax Efficiency?

Many investors focus on what they invest in—but where those investments are held can also impact their tax efficiency and long-term returns.

This concept—Asset Location—is a tax-aware investment strategy that may help high-income professionals and business owners minimize unnecessary tax liabilities and enhance portfolio efficiency.

While no strategy can eliminate taxes entirely, a structured approach to investment placement may improve after-tax outcomes over time.
Curious how Asset Location works and whether it aligns with your financial goals?

👉 Read our latest blog to learn more: https://bit.ly/431zfCF

📩 For personalized guidance, consult a qualified financial professional.

Learn how asset location strategies may help high-income professionals and business owners optimize tax efficiency, reduce investment tax drag, and maximize after-tax wealth. Explore key investment placement strategies and potential benefits. Schedule a consultation to align your portfolio with your...