Saving & Family
The foundations, and the accounts you open for other people. Cash flow and a reserve come before everything else, and the decisions about saving for children turn on tax treatment far more than on which provider you pick.
Guides
Longer-form background on the whole subject.
Calculators
Free, no signup, and nothing you enter leaves your browser.
Net Worth Calculator
Total your assets and liabilities, and see how your investable assets split across taxable, tax-deferred, and tax-free treatment.
Open the tool →Cash Flow Calculator
Find your real monthly surplus and savings rate, compare against the 50/30/20 guideline, and check your emergency fund coverage.
Open the tool →Savings Goal Calculator
Work out the monthly contribution needed to hit a target by a deadline, across three return assumptions and against what your budget can spare.
Open the tool →529 College Savings Planner
Estimate how much to save for college using a 529 plan and project future account balances based on contributions and investment growth.
Open the tool →Articles
Specific questions, answered in plain language.
Investing in the Next Generation
Choosing between a 529, a custodial Roth IRA, a UTMA, and a Trump Account, with the tax, control, and financial aid trade-offs side by side.
Read the guide →Trump Accounts: What They Are and When They Make Sense
Claim the free $1,000, then think hard before adding your own money. What the account actually does, the basis problem nobody mentions, and how it stacks up against a 529 and a custodial Roth.
Read the article →What to Do When You Inherit Money (Before You Do Anything Else)
A calm, practical guide to the first months after an inheritance: what to do first, how different assets are actually taxed, the ten-year rule, and the mistakes people make when grief and a windfall arrive together.
Read the article →Want this applied to your own situation?
Everything here is general. A conversation is where it gets specific, and there is no cost or obligation in having one.