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Blue Sands Wealth

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Blue Sands Wealth is an independent advisory firm helping clients simplify complexity, align investments and planning, and build clear strategies to grow, protect, and transition wealth with confidence.

08/27/2026

14 Education Tax Credits and Deductions to Know.
From the $20,000 529 plan expansion to the return of the student loan "tax bomb," here's how you'll pay for school in 2026 and where to save.

Paying for education expenses is no joke. Recent data show that educators spend from $500 to $900 of their own money on school supplies, while families spend nearly $4,000 annually on K-12 education expenses (never mind higher education costs).

Yet, the 2025 Trump tax bill changed the state of play for many students and families who claim key tax breaks to offset these educational costs.

For instance, for tax returns typically filed in early 2027, new rules governing 529 plans allow $20,000 to be paid for K-12 expenses, up from $10,000. Educators can reduce taxes by up to $350 annually with the educator expense tax deduction.

Learn more here: https://www.kiplinger.com/slideshow/taxes/t054-s001-tax-deductions-and-credits-to-help-pay-for-college/index.html

08/25/2026

Our firm is excited to share that Letitia Berbaum is being recognized in the LA Times OC Executive Leadership Awards. As the founder of Blue Sands Wealth, Letitia has been devoted to growing the firm with integrity, foresight and grace. Her vision has been vital to the success of Blue Sands Wealth which is more inspired than ever to support clients in their wealth building endeavors.

08/24/2026

529 Plans Beat Trump Accounts for College Savings, But It Makes Sense to Have Both: Here's Why

The government will put $1,000 into a Trump Account for eligible newborns. Take it, but remember that college savings will be better off in a 529 plan.

Trump Accounts went live on July 4, and parents have been signing up ever since. The pitch is easy to like.

Any child under age 18 with a valid Social Security number can have a Trump Account established on their behalf. Eligible children born between January 1, 2025, and December 31, 2028, who are U.S. citizens can get a $1,000 contribution from the federal government.

With or without that contribution, you can add up to $5,000 a year to the account, and your employer can contribute as much as $2,500 of that total without it counting as taxable income to you.

Read more here: https://www.kiplinger.com/personal-finance/college/529-plans-and-trump-accounts-why-to-have-both

08/20/2026

How Your Inheritance Actually Gets Taxed: From Stepped-Up Basis to IRA Rules.

Most inheritances won’t trigger a federal income tax bill. But what you inherit and what happens afterward mean other tax rules could come into play.

One of the first questions many people ask after learning they’ll receive an inheritance is: "Will I owe taxes?"

It’s an understandable worry. Taxes can be confusing, especially during an already emotional time when someone has passed away. But there is some good news — receiving an inheritance doesn’t automatically mean you’ll owe taxes to the IRS.

That's because for most people, the inheritance itself isn’t a taxable event. Whether you owe anything depends on what you inherit, where you live, and whether those assets later produce income or are sold.

Learn more here: https://www.kiplinger.com/taxes/how-an-inheritance-is-taxed

08/18/2026

Did you know? Blue Sands Wealth is a Founding Partner of Women Rising Leadership Academy.

Experience shows us that many women are far more capable than their current level of influence, income, or responsibility reflects. In these cases, the challenge isn’t talent. It's understanding how to navigate the barriers that stand between potential and advancement.

The Women Rising Leadership Academy helps women business owners and professionals alike gain the executive-level strategies, tools, and confidence needed to increase their influence, expand their opportunities, and achieve greater success.

WRLA workshops focus on the real experience of working women and the real factors that impact advancement, including the hidden barriers women often face in the workplace and how to turn those challenges into advantages. WRLA helps women align with their leaders and clients, gain more confidence, and find their seat at the table.

Apply today to break through barriers, strengthen your leadership presence, and accelerate your path to greater impact, growth, and advancement. If you know of a woman who is ready to take her career to the next level, please share this with her.

Learn more and apply today: https://business.breachamber.com/ap/Membership/Application/4pVqM4r8

08/17/2026

The September 15 Tax Conversation You Should Be Having Right Now

Rather than simply repeating your previous estimated tax payment for the September 15 deadline, treat it as a strategic "true-up" moment to recalculate your income, ensure you're avoiding penalties and plan smart tax moves before the year ends.

By the time September arrives, taxes are probably the last thing on your mind.

Summer is winding down, spring filing is behind you, and the third-quarter estimated payment due on September 15 feels like a formality.

For most business owners, it is whatever they paid last quarter, sent off without much thought.

Read more here: https://www.kiplinger.com/taxes/tax-planning/september-tax-deadline-planning-tips

08/13/2026

Our collective team is proud of George’s dedication and support of The Advocates in Idaho. Investing in community is important to our team through time, talent and treasure. Every contribution through our planned giving strategy is designed to make a difference.

08/11/2026

Gen Z Is Changing Retirement Saving. Here's What Millennials Can Learn
Rising costs and shifting priorities are changing how younger workers save. Here's what it means for your long-term plan.

For decades, the retirement playbook looked pretty similar: get a stable job, contribute to a 401(k), increase your savings over time and let compounding do the heavy lifting. But for Gen Z, roughly those born between the late 1990s and early 2010s, that path is not always realistic.

Many younger workers are entering adulthood in a high-cost environment, where rent, groceries and insurance take up a larger share of their income. At the same time, student loan payments have resumed, and building emergency savings often feels more urgent than long-term investing.

There is also a structural shift underway. More Gen Z workers are earning income through freelance work, gig jobs or contract roles, positions that typically do not come with employer-sponsored retirement plans. So it's not that Gen Z isn't thinking about the future. It's that their financial reality is forcing them to prioritize differently, at least for now.

Learn more here: https://www.kiplinger.com/personal-finance/savings/gen-z-retirement-savings-strategy-is-changing

08/10/2026

5 Summer Activities That Can Change Your Taxes.
Certain summertime fun might help lower your taxable income. Here's what you need to know.

For many, summer is a time for relaxation, fun, and adventure. But did you know that certain summertime activities might affect your taxes?

The IRS has identified five things you might do this summer that could impact your taxable income next year, along with some tax planning tips to help you navigate them. Here they are.

Read more here: https://www.kiplinger.com/taxes/summer-and-taxes

08/06/2026

Our firm is proud to be a supporting Sponsor of the 2026 Hoag H.E.R. Summit. The event is designed for guests to experience a day dedicated to their well-being— thoughtfully curated by women for women. Keynote speaker Emma Heming Willis – a best-selling author, model, entrepreneur and actress will take the stage with several panel discussions to follow. We look forward to supporting Hoag and the ladies who lead in our community! https://www.hoaghospitalfoundation.org/2026-her-summit-by-hoag-virtual.html

Address

100 Spectrum Center Drive, Suite 900
Irvine, CA
92618

Telephone

+19496201565

Website

https://bluesandswealth.com/

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