Andrew Aubrey of Gateway Financial Partners

10/21/2026

Many families prioritize tuition first and retirement second, often to their own long-term disadvantage.

It’s called the “tug-of-war” of financial planning: paying for kids’ futures while making sure your own isn’t underfunded.

Balancing both requires careful coordination.

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andrewaubrey.com

10/19/2026

If a buyer showed up tomorrow, do you know what your business is worth in its current state?

Valuations change with market conditions, industry trends, and business health. An outdated estimate could cost you negotiating leverage.

10/15/2026

When you're saving for retirement, growth is often a big part of the conversation. But once you're retired, the way you think about investing may start to change.

Having a mix of investments that fits your income needs, timeline, and comfort with risk becomes especially important.

Morningstar shares some good points on why balance matters in retirement.

https://www.morningstar.com/retirement/why-retirees-need-balanced-portfolio?

The right retirement asset allocation can help enlarge your lifetime withdrawals.

10/13/2026

A new child is a new legacy. A new home is a new asset. A new job is a new income stream.

Each of these milestones should also mean a new look at your estate plan, because your future deserves the same attention as your present.

09/24/2026

401(k). IRA. HSA. Brokerage account.

There are plenty of places to put money away for the future, but the harder question is often: what should come first?

That’s where having an order of operations can help.

This Morningstar article breaks down a hierarchy for retirement savings and offers a useful way to think about which accounts to prioritize along the way.

Confused about which vehicles to fund first? We can help.

09/23/2026

When selling a business, taxes can play a major role in how much of the proceeds you keep. The structure of the deal matters:

Asset Sale vs. Stock Sale – Different tax rules apply, which can change how gains are reported.

Capital Gains vs. Ordinary Income – Proceeds may be taxed at different rates depending on classification.

Installment Sales – Receiving payments over time may spread out the tax impact.

Knowing these considerations ahead of time can help business owners evaluate their options and prepare for the financial side of an exit.

09/14/2026

When looking at retirement plans or stock options, it’s important to understand how vesting schedules work.

They outline when contributions or benefits officially become yours:

• Cliff Vesting – Nothing is vested until a specific date (for example, after 3 years). At that point, all benefits vest at once. Leaving before that date means forfeiting the benefit.

• Graded Vesting – Benefits vest gradually, often in set percentages each year (such as 20% annually over 5 years). This approach allows partial ownership to build over time.

• Immediate Vesting – Ownership applies right away. Any contributions are considered fully vested from day one.

Understanding these schedules can provide clarity about what you currently own and how benefits may accumulate over time.

09/12/2026

As a business owner, you’re used to drawing income from your company.

But once you sell, do you have a plan for what will replace that cash flow?

09/10/2026

Think of fall as the “pre‑tax season”: a short period to revisit your withholding allowances, utilize HSA/FSA or other tax‑advantaged contributions, and adjust for life changes like a bonus or job shift.

Acting now can help reduce April surprises and ease your tax filing next year. Ready to get ahead?

https://www.kiplinger.com/taxes/tax-planning/fall-is-tax-time-make-needed-adjustments-now

Review your withholdings, contribute to tax-saving HSA and FSA accounts, manage a bonus' impact and adjust for major life events such as weddings and job changes.

09/07/2026

A QDIA is the default investment chosen when employees don’t select their own in a 401(k). For many, it’s a target-date fund.

Do your employees know what they’re defaulted into?