Investment & Insurance Planning Services, LLC

02/02/2026

To cut through the noise, we reviewed five major 2026 outlooks from Vanguard, LPL Research, First Trust, Capital Group, and Lord Abbett. While each firm has its own philosophy, there is remarkable overlap in the themes they highlight and a few important differences worth understanding.

Here is what investors should know as they plan for the year ahead.

As we head into 2026, investors are coming off several strong but volatile years. Inflation has cooled from its peak, interest rates appear closer to neutral, and artificial intelligence has reshaped both markets and the economy faster than most expected.To cut through the noise, we reviewed five ma...

01/20/2026

Big changes are coming to retirement plan catch-up contributions in 2026 under the SECURE 2.0 Act. Here’s what you need to know to stay compliant and maximize your savings.

What High-Income Earners and Ages 60–63 Need to KnowBig changes are coming to retirement plan catch-up contributions in 2026 under the SECURE 2.0 Act. Here’s what you need to know to stay compliant and maximize your savings.1. Roth Requirement for Certain High-Income EarnersStarting January 1, 2...

01/20/2026

Each year, the IRS adjusts key tax, retirement, and planning limits for inflation. The 2026 Important Financial Numbers guide provides a consolidated snapshot of these updates in one place.

Happy New Year! We hope that you had a great holiday season and want to wish you a happy, healthy, wealthy and wise 2026. Each year, the IRS adjusts key tax, retirement, and planning limits for inflation. The 2026 Important Financial Numbers guide provides a consolidated snapshot of these updates in...

11/17/2025

The S&P 500 continues its impressive run, posting an 18.38% gain year-to-date, following 26.29% in 2023 and 25.02% in 2024.1 This marks only the second time in history the index has delivered three consecutive years of 20%+ returns — a feat last seen during the dot-com boom of the late 1990s.

Good Morning The S&P 500 continues its impressive run, posting an 18.38% gain year-to-date, following 26.29% in 2023 and 25.02% in 2024.1 This marks only the second time in history the index has delivered three consecutive years of 20%+ returns — a feat last seen during the dot-com boom of the lat...

10/16/2025

The federal government shut down on October 1, 2025 after Congress failed to pass funding. You may be wondering how this will affect your personal finances.

How to Prepare and Protect Your Budget

How the Markets Have Reacted in the Past

What You Should Do Now

The federal government shut down on October 1, 2025 after Congress failed to pass funding. You may be wondering how this will affect your personal finances. The good news is that most essential programs and services continue. Social Security, Medicare, and other mandatory benefits will still be paid...

08/19/2025

Last month, we shared some of the key provisions in the new tax bill, some of the major tax changes, such as what’s going on, what’s new, and what you can do now to make the most of the new law. This month, we’re continuing this effort, as keeping yourself informed is essential for making sound financial decisions.

To help you navigate these changes, we’ve prepared a clear, side-by-side comparison of the Pre-OBBB tax regime that’s based on the Tax Cuts and Jobs Act (TCJA) with its scheduled sunset provisions and the Post-OBBB framework now in effect. This guide highlights the most relevant differences in income tax brackets, deductions, credits, estate planning, and more, so you can better understand how the new law may impact your financial strategy.

Last month we shared some of the key provisions in the new tax bill some of the major tax changes such as what’s going on, what’s new, and what you can do now to make the most of the new law. This month we’re continuing this effort as keeping yourself informed is essential for making sound fin...

07/28/2025

On July 4, 2025, the “One Big Beautiful Bill Act” (OBBBA) became law. If you’ve been wondering what will happen to the tax cuts from 2017, or what changes might affect your family’s finances, this bill answers a lot of those questions.

This post breaks down some of the major tax changes such as what’s staying, what’s new, and what you can do now to make the most of the new law.

On July 4, 2025, the “One Big Beautiful Bill Act” (OBBBA) became law. If you’ve been wondering what will happen to the tax cuts from 2017, or what changes might affect your family’s finances, this bill answers a lot of those questions. This post breaks down some of the major tax changes such...

06/23/2025

High-net-worth individuals and business owners often seek ways to access cash without selling investments and incurring taxes. A powerful solution is a Securities-Backed Line of Credit (SBLOC). This flexible tool allows you to tap into your non-retirement investment portfolio for liquidity while keeping your long-term financial plan on track.

High-net-worth individuals and business owners often seek ways to access cash without selling investments and incurring taxes. A powerful solution is a Securities-Backed Line of Credit (SBLOC). This flexible tool allows you to tap into your non-retirement investment portfolio for liquidity while kee...

06/04/2025

With hurricane season fast approaching, preparation is key to ensuring the safety of you and your loved ones. Staying informed with reliable resources can help you make timely decisions in the event of severe weather. We’ve gathered essential links and online tools to support you in this effort.

With hurricane season fast approaching, preparation is key to ensuring the safety of you and your loved ones. Staying informed with reliable resources can help you make timely decisions in the event of severe weather. To support you in this effort, we’ve gathered essential links and online tools t...

05/13/2025

In an increasingly interconnected global economy, many everyday household goods come from overseas, making them susceptible to price fluctuations due to tariffs, which are taxes on imported products. As tariffs increase, so do the prices we pay for essential goods. While we've previously discussed the investment implications resulting from higher tariffs, this article shifts our focus to practical everyday considerations for potential price increases.

In an increasingly interconnected global economy, many of our everyday household goods come from overseas, making them susceptible to price fluctuations due to tariffs, which are essentially taxes on imported products. As tariffs increase, so do the prices we pay for essential goods. While we've pre...

05/07/2025

We are thrilled to share some exciting news with you! Our associate advisor, Rohan Rashid, has officially earned his Certified Financial Planner™ (CFP®) designation—a prestigious accomplishment that signifies expertise, commitment, and dedication to delivering the highest standards of financial guidance.

We are thrilled to share some exciting news with you! Our associate advisor, Rohan Rashid, has officially earned his Certified Financial Planner™ (CFP®) designation—a prestigious accomplishment that signifies expertise, commitment, and dedication to delivering the highest standards of financial...

03/14/2025

Uncertainty about the economy and investments is natural, especially in times like these. If you're feeling a bit concerned right now, you'r