William F. Davis, CFP, Financial Advisor

07/21/2026

Five Ways to Shrink (Not Escape) Your RMDs
https://vericrestprivatewealth.com/five-ways-to-shrink-not-escape-your-rmds/

07/14/2026

You Might Already Be “Done” Saving for Retirement. You Just Don't Know It Yet.
https://vericrestprivatewealth.com/you-might-already-be-done-saving-for-retirement-you-just-dont-know-it-yet/

07/07/2026

The surprising psychology behind why retirees leave money on the table - and what to do about it.

https://vericrestprivatewealth.com/you-saved-it-why-wont-you-spend-it/

07/03/2026

This Fourth of July, I'm thinking about two groups of people we owe a great deal to.

First, our Founding Fathers, who had the courage to break from the only system they'd ever known, and the foresight to build something designed to protect individual liberty rather than concentrate power. The idea that a person's rights don't depend on the permission of a king, or anyone else, was radical then and still matters now. Land of the free isn't just a line in a song. It's the freedom to build a business, raise a family your own way, speak your mind, and chart your own path, with the government answering to the people instead of the other way around.

Second, the men and women of our military, past and present, who stand watch so the rest of us can actually live that freedom without a second thought about our safety.

Independence isn't free. It was earned, and it's maintained every single day. Grateful for both.

Happy Fourth of July!

07/01/2026

Happy July. The fireworks this year aren't just on the 4th – they've been going off in the bond market since Kevin Warsh took the podium.

July 2026 

06/30/2026

If you're going through a divorce - or know someone who is - this one is worth a few minutes of your time.

https://vericrestprivatewealth.com/not-all-dollars-are-created-equal/

06/26/2026

The 4% Rule Isn't a Rule. It's a Guess With Good PR.
https://vericrestprivatewealth.com/the-4-rule-isnt-a-rule-its-a-guess-with-good-pr/

06/25/2026

Most women going through divorce are focused on one question:

Did I get a fair settlement?

That is often the wrong starting point.

Divorce is more than a legal process. It is a financial turning point.

Here are 5 things worth reviewing before you sign anything:

1.) Compare after-tax values, not just account balances. A traditional IRA, Roth IRA, pension, and brokerage account may each be taxed very differently. The number on the statement is only the starting point.

2.) Review retirement accounts carefully. Workplace plans may require a QDRO to divide properly. Improper transfers can create tax consequences that show up long after the ink is dry.

3.) Understand brokerage account cost basis. Highly appreciated investments can carry a hidden capital gains tax bill that was never part of the conversation.

4.) Confirm liquidity. A settlement can look fair on paper while still creating cash-flow stress. Valuable assets are not always accessible assets.

5.) Rebuild credit and cash flow early. Joint accounts close and income changes. Getting ahead of this is one of the most practical things you can do.

The best outcome is not just a fair split. It is a clear path forward.

Download the Before and After Divorce Financial Checklist here:

Protect Your Assets, Understand Your Settlement & Move Forward with Confidence

06/23/2026

The IRS Isn’t Coming for Your Estate. Harrisburg Might Be.
https://vericrestprivatewealth.com/the-irs-isnt-coming-for-your-estate-harrisburg-might-be/

06/16/2026

The One Big Beautiful Bill Has a Few Ugly Surprises
https://vericrestprivatewealth.com/the-one-big-beautiful-bill-has-a-few-ugly-surprises/