Navigating Tax Changes in 2025: What High-Net-Worth Individuals Need to Know

As 2025 approaches, it’s important for high-net-worth individuals to prepare for significant tax changes. The expiration of key provisions from the 2017 Tax Cuts and Jobs Act (TCJA) could lead to higher income taxes, reduced estate tax exemptions, and adjustments to deductions.… Read More

Comparing Charitable Giving Options: CRTs, DAFs, and Private Foundations

When it comes to charitable giving, there are various ways to make a difference while also achieving financial and estate planning goals. Three popular options are Charitable Remainder Trusts (CRTs), Donor-Advised Funds (DAFs), and Private Foundations.  But which one is right for you?… Read More

Investment Goals: What High-Net-Worth Individuals Need to Know

As high-net-worth individuals (HNWIs), the journey toward financial success involves unique challenges and opportunities. From intricate tax implications to navigating inheritance laws, HNWIs must craft investment strategies that not only foster growth but also safeguard their wealth.  In this comprehensive guide, we’ll provide insights into establishing clear investment objectives, tackling challenges specific to HNWIs, and offer valuable tips for monitoring and preserving your wealth.… Read More

Unlock the Power of Your Company Stock with a Net Unrealized Appreciation Strategy

If you’re an investor with company stock in your 401k that’s gained significant value over time, you might think withdrawing that stock in retirement could lead to a hefty tax bill. However, there’s a lesser-known strategy called Net Unrealized Appreciation (NUA) that could help you save a considerable amount in taxes. … Read More

Top 2025 M&A Insights: Tech, ESG, and Emerging Opportunities

As we head into 2025, mergers and acquisitions (M&A) are shaping up to bring a mix of challenges and opportunities. Whether you’re a business owner thinking about selling or an investor planning your next move, understanding what’s coming can help you make smarter decisions.… Read More

Holiday Traditions at Archipelago Wealth Management

At Archipelago Wealth Management, the holiday season is more than just a time for celebration—it’s a time for reflecting on what truly matters. This time of year reminds us of the importance of family, connection, and gratitude. While every company has its own way of marking the season, we believe that traditions create a shared sense of joy and help bring people closer together, strengthening our bond as a team.… Read More

Asset Protection Strategies: Safeguarding Your Wealth from Risks and Liabilities

In today’s world, protecting your wealth is essential. With so many potential risks out there—whether they come from legal troubles, business challenges, or economic downturns—it’s important to have a solid plan to keep your financial resources safe.  This guide will walk you through various strategies to protect your assets and ensure your financial future remains secure.… Read More

Maximizing Enterprise Value: Essential Steps for Business Growth and Success

Enterprise value (EV) reflects a company’s total worth, factoring in market value, debt, cash, and non-operating assets. It’s like the price tag on the business if someone were to buy it. The sales multiple compares EV to annual sales revenue, showing how the market values a company’s sales performance.… Read More

Navigating Wealth Transfer: The Strategic Use of Life Insurance

Archipelago of islands in clear waters - LIfe iNsurance options for peace of mind.
When it comes to wealth management and estate planning, life insurance remains an underappreciated tool. Beyond its primary function of providing financial security after the loss of a breadwinner, life insurance can be a versatile vehicle for tax-advantaged wealth transfer. In this post, we’ll explore the roles of various life insurance policies, including Term Life, Leveraged Life Insurance, and Private Placement Life Insurance (PPLI), in wealth management.… Read More

Direct Indexing: What it is, How it Works, and its Benefits

Many investors are familiar with mutual funds and exchange-traded funds (ETFs), which allow them to invest in a preselected “basket” of stocks, often to follow an existing market index. However, fewer are aware of an approach called direct indexing, which also seeks to replicate an index’s performance but can offer greater tax efficiency and opportunities for individual customization.… Read More