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For decades, high-net-worth investors have relied on a core portfolio of stocks, bonds, and cash to build and preserve wealth. These traditional investments remain essential, but as market conditions evolve, many investors are seeking ways to enhance diversification, reduce volatility, and unlock new growth opportunities.

Succession planning is more than just preparing for the future of your business—it’s about preserving your legacy and transforming years of hard work into lasting wealth for your family.

Traditional irrevocable trusts offered asset protection but often came with limitations—such as loss of control and restricted access to funds. Modern self-settled trusts overcome these barriers, offering physicians both protection and financial flexibility.

At Finley Davis Financial, we’ve noticed a trend: many high-net-worth individuals don’t ask the right questions about their wealth. Standard wealth management often covers the basics but misses critical topics that safeguard futures and preserve legacies. In today’s fast-changing financial world, skipping these discussions can expose families to unnecessary risks.

The investment world is changing as high-net-worth women lead in luxury real estate. These women are reshaping wealth management. For them, investing goes beyond returns. It's about aligning wealth with values and lifestyle. Understanding their motivations offers insights into the future of wealth management.

The start of a new year is often a time for reflection and renewal. For high-net-worth individuals (HNWIs), it’s also an opportunity to reassess financial goals, fine-tune investment strategies, and ensure that their wealth is aligned with their vision for the future.

Reflecting on 2024 / Looking Ahead to 2025
We reflect on a year shaped by resilience, uncertainty, and innovation. Market trends highlighted economic recovery amidst global challenges, rising adoption of transformative technologies like AI, and shifting policy landscapes.

This December, markets are buzzing with shifts that could significantly impact your business, from strong equity performance to anticipated interest rate cuts and evolving global trade policies.

While celebrating successes is important, as the year draws to a close, this is the perfect time to ask a critical question: Is your wealth truly protected?

As the year winds down, life often feels like a balancing act. Between managing professional responsibilities, family commitments, and personal goals, financial planning can easily slip to the bottom of your priority list. Yet, year-end tax planning is a crucial step in protecting your private wealth and setting the stage for future success.

As we enter the post-election period with President Trump’s recent win, market dynamics are likely to shift with the anticipation of new policies.

As a successful woman investor, you’ve worked hard to build your wealth and secure your financial future. With the success you've achieved comes the importance of safeguarding your financial future.

When it comes to building a lasting legacy, strategic financial planning isn’t just about giving—it’s about positioning your wealth to drive long-term value for both family and the causes that matter to you.

In the world of private wealth management, wealth transfer is about more than handing down assets; it’s about creating a legacy built on values, knowledge, and financial responsibility.

For families with generational wealth, estate planning conversations are essential but often delicate. With the 2026 estate tax exemption sunset on the horizon, addressing these key topics now is essential to preserving your family’s legacy.

Major changes are coming to estate taxes, and they could drastically impact the wealth you pass to your heirs. With the exemption set to drop in 2026, high-net-worth families could face significant tax liabilities—unless proactive steps are taken now.

As we head into another election cycle, the political uncertainty can leave many investors questioning their financial future. But history shows that a divided Congress may actually benefit the markets—bringing stability when you need it most.

Just like sailing a boat through rough seas, managing your investments during election season requires a steady hand. Stay invested. Stay on course. Your future depends on it.

In a world where laws and tax policies are constantly changing, the security of your family’s future can feel uncertain. But with the right plan in place, the legacy you've built will continue to support and inspire the generations that follow.

As you approach retirement, the stakes are higher than ever. The shift from accumulating wealth to preserving and utilizing it requires a carefully crafted strategy that balances growth with stability.

The goal is not to predict political outcomes but to identify growth opportunities across sectors.

From the threat of malpractice lawsuits to the intricacies of managing high income and taxes, physicians face a range of risks that can jeopardize both their professional and personal financial well-being.

Prevent your family from being subjected to the probate process by choosing to set up a revocable trust or an irrevocable trust.

Funding a buy-sell agreement with life insurance gives business partners the ability to have a smooth sale of their business interest after death.

Premium finance can fund the large life insurance policy you need, without requiring sizeable monthly payments or forcing you to liquidate assets.

If you have a certain type of life insurance policy, you may be able to sell it for money that you can use now. Learn how a life settlement can help you.

Purchasing a life insurance policy is the first step to plan for your heirs. Use a life insurance review to make sure your plan stays on track.

John Hancock life insurance through Finley Davis offers various policies that can help you thrive today and stay prepared for tomorrow.

Discover how using your life insurance policy for charity can allow you to benefit a cause, mission, or organization close to your heart.

Explore how Lincoln Financial Group life insurance through Finley Davis can diversify your portfolio, protect your business, and reduce future taxes.

If you maintain a life insurance policy, income will be provided to your loved ones when you pass away. In America, slightly more than half of adults carry life insurance.

In the fourth quarter of 2023 and the first quarter of 2024, the equity markets experienced one of the strongest six-month rallies in recent history.

A brief but in-depth look at how planning for the 2026 Federal Estate Tax Exemption Sunset can significantly help minimize tax liability.

Without a proficient team working together toward a common goal, your estate complexities can become overwhelming. It is imperative that all members of your estate team—wealth managers, tax professionals, and legal experts—collaborate effectively, ensuring that your voice and vision are consistently represented.

Find out how life insurance can enhance your financial strategy because it offers wealth accumulation and tax-free income.

With the impending changes to the Federal Estate Tax, many families will struggle to find effective solutions that preserve their wealth for future generations. What if more of your money could go where you want it to go—towards your heirs and cherished charitable causes—rather than being lost to taxes?

In the realm of high net worth (HNW) investing, it's not just about how much you earn—it's about how much you keep after taxes.

Retirement accounts are not just vehicles for saving money for your golden years; they can also be powerful tools for wealth accumulation.

A corporate trustee is a financial institution or trust company that serves as the trustee for your estate, providing professional management and oversight.

In the ever-evolving world of tax law, high-net-worth individuals face significant risks from sudden legislative changes.

A Buy/Sell Agreement, also known as a buyout agreement, acts as a sort of "pre-nuptial agreement" for businesses. It lays out a road map for ownership and financial issues, ensuring that the business continues smoothly without disruptions, and provides a clear protocol for various significant events.

A critical component often overlooked in exit planning is insurance. Insurance plays a pivotal role from risk mitigation to asset protection, ensuring that your exit from the business does not jeopardize what you have built over the years. It prompts the important question: Are you covered?

Many business owners mistakenly believe that putting their business on the market is the first step towards a successful sale. This approach often overlooks the critical importance of strategic exit planning, which can significantly enhance the profitability and smooth transition of your business.

Find out why partnering with specialized business advisors is key because physicians need tailored planning.

Discover the value of private wealth management because a holistic approach helps to secure your financial future.

Discover why integrated private wealth management matters because it breaks down silos for better financial outcomes.

While the 1031 exchange is a well-known method for deferring capital gains taxes in real estate transactions, there are numerous other advanced strategies that can help investors optimize their tax situation and maximize returns.

Selecting the right business structure and periodically reassessing it can be key to optimizing tax efficiency and enhancing wealth accumulation.

Whether it’s protecting against the unforeseen consequences of a sudden disability, ensuring continuity through a robust succession plan, or safeguarding your personal assets from business liabilities, strategic de-risking is essential to sustaining your success.

We help clients take advantage of their WinCo benefits by transitioning their ESOP and 401k accounts for retirement.

Preparing for retirement is no simple undertaking. At Finley Davis, we are here to help ensure your retirement planning is on target, by helping you manage all of your PeaceHealth benefits.

Families with significant wealth face unique challenges in ensuring their legacy is preserved and passed down to future generations. With the complexities of business ownership, international holdings, and diverse real estate portfolios, minimizing estate taxes while mitigating risk is crucial.