Foundational Wealth Planners

07/15/2026

A bipartisan housing bill is drawing attention for its potential impact on home prices and housing supply.

The 21st Century ROAD to Housing Act would aim to boost housing availability by reducing certain construction barriers, encouraging zoning reforms, supporting factory-built homes, and creating incentives for localities that increase housing supply.

It would also restrict large institutional investors from buying additional existing single-family homes once they exceed certain ownership limits.

Housing affordability has become a major challenge in many communities. One reason is that the U.S. has built fewer homes than needed for years, helping push prices and rents higher.

Experts say the bill could help support new construction over time, especially for townhomes, multifamily housing, and smaller condo buildings.

However, any impact on prices would likely take time, and the legislation was still awaiting final action after a scheduled signing ceremony was canceled.

For buyers, sellers, and homeowners, the broader takeaway is that housing affordability often depends on more than mortgage rates. Supply, construction costs, local rules, investor activity, and policy decisions can all shape the market.


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The 21st Century ROAD to Housing Act, which has rare bipartisan support, would make it harder for major investors to hoard homes.

07/10/2026

Life insurance is often framed as something you only think about "just in case."

But for many people, it can be part of a broader financial foundation—supporting both current flexibility and future considerations.

From how coverage works to what employer benefits actually provide, understanding the basics can make it easier to decide what fits your situation.

Several factors affect the cost and availability of life insurance. And any guarantees associated with a policy depend on the issuing insurance company's ability to continue making claim payments.

07/04/2026

Happy Fourth of July from your team at Foundational Wealth Planners!

07/03/2026

Creating a will is crucial, but remember: life changes. When it does, so should your estate strategy. Regularly updating your will keeps it aligned with your current circumstances and wishes. Here are 7 reasons to revisit your will:

1️⃣ Family Changes: Marriage, divorce, births, or losses can impact your strategy.
2️⃣ Relocation: Different places, different laws.
3️⃣ Financial Shifts: Reflect on your current assets.
4️⃣ Executor/Trustee: Ensure they’re still the right choice.
5️⃣ Law Changes: Stay compliant and minimize taxes.
6️⃣ Beneficiary Updates: Reflect evolving relationships.
7️⃣ Time: Review every 3-5 years.

06/26/2026

There are so many reasons to create a will this month, but here are three big ones to consider:

Direct Your Property: Creating a will tells the courts how you want your property distributed. Without a will, state laws will determine how your estate is divided, which may not align with your intentions.

Provide instructions to the probate court: A will can help manage the probate process, providing instructions to the court.

Designate Guardianship for Minor Children: If you have minor children, a will allows you to appoint a guardian to care for them. This crucial step directs that your children are raised by someone you trust, rather than leaving the decision to the courts.

06/22/2026

Major student loan changes are set to take effect July 1, bringing updates to borrowing limits, repayment options, and federal aid eligibility.
New rules will limit how much some students and parents can borrow. Parent PLUS loans will be capped at $20,000 per year and $65,000 total per student, while new caps will also apply to graduate and professional degree borrowing.
Repayment options are also changing. New federal loan borrowers will have fewer choices, with options narrowing to a tiered standard repayment structure or a new income-driven option called the Repayment Assistance Program.
Borrowers currently enrolled in SAVE may also need to choose a new repayment option, with loan servicers expected to send notices about next steps.
Pell Grant rules are changing as well, including expanded eligibility for some short-term workforce training programs.
For borrowers and students, the takeaway is simple: watch for communications from loan servicers, confirm contact information is current, and review available options before deadlines arrive.

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The changes will affect how much students and their parents can borrow, as well as their repayment options.

06/21/2026

Happy Father's Day to all the Dad's from your team at Foundational Wealth Planners!

06/17/2026

No two clients are the same. Nor are their portfolios.

The strategies that serve someone building wealth at 55 look very different from those preparing for retirement at 65. That's why it's critical to take a multi-layered approach that allows us to use a mix of strategies to pursue your goals.

What mix works best for you?

06/11/2026

Whether you're saving for retirement, building wealth, or preparing for life's next chapter, having a strategy can help keep you on track!

06/10/2026

If your kids are starting a summer job, why not look into a Custodial Roth account? Talk to your kids about how they can get started with tax-advantaged savings. Whether they put money in the account or you get it started for them with a gift, it’s a good way to start a great habit. For more information or to set up a meeting, drop us a note today!

We can explain the pros and cons of Custodial Roth IRA, and introduce you to some of the unique features of custodial accounts, including when kids can take control of the asset. Also, remember, with a Roth IRA, to qualify for the tax-free and penalty-free withdrawal of earnings, a Roth must meet a 5-year holding requirement and occur after age 59½. Tax-free and penalty-free withdrawals can also be taken under certain other circumstances, and the original Roth IRA owner is not required to take minimum annual withdrawals.