Ryan J. Marshall, CFP, AIF

06/02/2026

Looking to create a financial legacy for your heirs while managing taxes? Grantor Retained Annuity Trusts (GRATs) may be the solution you're looking for. Explore how GRATs can help you transfer wealth and reduce gift tax liability.

Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy.

05/31/2026

When giving to charity, some make cash donations. Others want a more sophisticated strategy.

Some people may want a more advanced gifting strategy that can maximize their gift and generate potential tax benefits.

05/29/2026

🎓 Happy 529 Day!

If college savings is on your mind, today is a good reminder to take a closer look at how 529 plans work and why they can be such a valuable planning tool for families.

529 plans offer tax-advantaged growth, flexibility, and more uses than many people realize. Whether you are saving for a child, grandchild, or simply exploring your options, it is worth understanding how this tool can fit into your broader financial plan.

Like most planning decisions, it is not just about having the account. It is about using it wisely. 📚



Disclosure: Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing. Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan.

05/28/2026

When your dog bites someone, the liability may be covered by your homeowners policy, though there are exceptions.

Even dogs have bad days. So, what happens when your dog bites a neighbor or passing pedestrian?

05/26/2026

Marriage changes everything, including your insurance needs. Here are some things to look out for.

Marriage changes everything, including your insurance needs.

05/24/2026

Extended care refers to services needed by those who have a chronic illness or disability.

Understanding the types of extended care services—and what those services could cost—may be critical.

05/22/2026

📖 Legacy planning is about more than who gets what.

It is also about clarity, communication, values, and making life easier for the people you leave behind. That includes the practical pieces like beneficiary designations, estate documents, and account organization, but also the personal side of making your wishes known.

A strong legacy is not only what you leave. It is how well you prepare others for it. 🏡



Disclosure: Cetera Wealth Services, LLC, exclusively provides investment products and services through its representatives. While Cetera does not provide or supervise tax, accounting, or legal services, representatives may offer these through their independent outside business. This information is not intended as tax or legal advice.

05/21/2026

When was the last time you updated your will?

Preparing for the eventual distribution of your assets may not sound enticing. But a will puts the power in your hands.

05/19/2026

Finding the proper insurance for your condo means knowing what is covered by the association’s insurance.

Important items to consider when purchasing condo insurance.

05/17/2026

Have you ever had to deal with a "white elephant" inheritance? Learn how to avoid holding on to a burden in our latest article.

This article deals with how one might deal with a burdensome inheritance.