Forefront Wealth Planning

07/20/2026

Why wait until an inheritance to help the people you love?

Giving while living may allow you to see your wealth help your family buy a home, reduce stress, or build a stronger future.

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The inheritance still matters.­ But it may not matter in the same way it would have 20 years earlier.­That raises an important question.­ What if part of the wealth transfer happened when the family could actually use it most?

07/13/2026

Most people wait until December to review their finances. By then, some of the best planning opportunities may have already passed.

July gives you something better: enough information to see where you stand and enough time to make meaningful adjustments.

This week’s blog covers eight areas worth reviewing before summer slips away.

Most people think financial planning happens in December. ­That is when retirement contributions get topped off, charitable donations are made, and everyone starts asking the same question: "Is there anything I can still do before year-end?"­­­ The honest answer is often, "Maybe."

07/06/2026

Everyone is traveling right now.

The pictures look great. The hotels look nicer. The dinners look better. And before you know it, your vacation starts competing with everyone else’s.

That is where the spending gets dangerous.

This week’s blog is about taking the trip, enjoying it, and not letting someone else’s vacation make yours more expensive.

AAA projected 72.2 million Americans would travel at least 50 miles from home for Independence Day between June 27 and July 5. That includes 61.4 million people traveling by car and 5.85 million flying domestically.That tells us something important.Even after years of higher prices, higher rates, an...

06/22/2026

Most people don’t think of themselves as AI investors.

But if you own a 401(k), index fund, or target-date fund, you may have more AI exposure than you realize.

That’s not a reason to panic. It’s a reason to look.

Read this week’s blog:

Most people do not think of themselves as AI investors.­ They think they own a 401(k). Or an index fund. Or a target-date fund. Or "the market."

06/15/2026

The Knicks finally winning was supposed to be pure joy.

And it was.

But the first person I wanted to call was my dad.

This week’s blog is less about sports and more about the moments we’re really working for — the small things that become priceless.

Money matters. Planning matters. But only because it helps create space for the people, memories, and experiences that matter most.

Read it here:

06/08/2026

Waiting for the Fed to make its next move? Your financial plan should not depend on perfect timing.

Our latest blog looks at how today’s rate environment can impact cash, debt, taxes, and investment decisions, and why planning matters more than prediction.

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While investors are focused on what the Fed might do next, households and business owners are still living with what rates already are.

06/02/2026

Tax return done? Good. Now turn it into a plan.

By the time a return is filed, the year it describes is already over. The decisions that created the result were made months ago. Sometimes years ago.

05/31/2026

Your net worth is NOT your self worth.

We all know people who have everything on paper and feel completely empty. And we know the people who are still building, who have nothing on paper, but walk in with more confidence than anyone in the room.

Money is a tool. Never a scorecard.

Before you make your next financial move, ask yourself who you’re actually making it for…
Because building wealth to impress people who aren’t paying your bills is the most expensive habit you’ll ever have.

Build for yourself. Build for your family. Build for your future.
That’s it.

📩 DM me or visit the link in bio.

05/27/2026

New Jersey has one of the highest minimum wages in the country at $15.92/hour.

And after taxes, rent, and groceries alone — a full-time minimum wage worker in NJ has roughly $216 left over each month.
$216. For utilities. Transportation. Healthcare. Clothing. Any semblance of a life.

We used New Jersey as the example because it’s home — but let’s be clear: this is not a New Jersey problem. This is a nationwide crisis with no state excluded. The numbers change by geography. The math stays broken everywhere.

The federal minimum wage is $7.25/hour. It hasn’t moved since 2009. Meanwhile the average American household spends nearly $73,000 a year just to cover the basics.

That’s no gap…that’s a freakin’ canyon.

And here’s the part that doesn’t get said enough: in order to semi-survive on minimum wage, you have to give 40+ hours of your week to a job that still leaves you in a deficit. There’s no time to take a second job without burning out. No time to take a class, build a skill, or pursue something better.
The system is literally designed to keep you stuck.

We can’t change the minimum wage. Nobody reading this can either. But what we can do is help you understand how to build a budget that actually works at any income level, identify opportunities to create new streams of income, and reclaim some of the time and freedom that feels impossible right now.

The goal isn’t just survival. It’s a life worth living. And that starts with a plan– no matter where you’re starting from.

🔗 Link in bio

05/20/2026

Most financial advisors will tell you to close your Robinhood account and move everything into a broader, more diversified index fund.

And honestly? That advice usually comes from the right place.

But what it misses is that the small account isn’t really a financial strategy. It never was. It’s the social side of money. It’s having something to say when everyone at the table starts talking about stocks. It’s feeling connected to what’s happening in the market. It’s human.

The advisor who tells you to get rid of it entirely is optimizing for your portfolio. What they’re not accounting for is your psychology. And in my experience, unmet emotional needs around money don’t disappear…they just show up somewhere else, usually more expensively.

Keep it small. Keep it completely separate from your real plan. And let it do what it was always there to do.

— Amit Chopra, CFP® · Forefront Wealth Planning
🔗 Links in bio

For educational purposes only. Not personalized financial advice. Advisory services offered through NewEdge Advisors, LLC.