The Bottom Line: Better Together For new parents of babies born between 2025 and 2028 who want to give their kid the best financial head start possible. You’re running on three hours of sleep, the baby is finally down, and suddenly you’re seeing headlines about a “free $1,000 from the government.” At a time when you’re just trying to get some rest, it’s fair to wonder if you really need to start thinking about your child’s finances already. The Trump Account is real, and yes,

January 2026 For the average American couple, the journey to retirement is rarely a straight line. You’ve spent years balancing the chaos of raising children, the transition to becoming empty nesters, and the demanding pace of your careers. Along the way, “impersonal” index funds might have felt like an easy shortcut- a low-cost way to “set it and forget it” while you focused on everything else. But as the finish line of your career comes into view, the rules of the game chan

When people think about financial planning, they often picture numbers, charts, and long-term projections. Those are all part of the process, but they are not what define the heart of our work. After meeting with hundreds of families over the years and continuing a three-generation legacy at Ramsey Financial, I’ve learned that what clients appreciate most is the relationship and the planning experience behind it. As we look back on what has been our strongest year, it feels l

Investing is only one piece of a much larger picture. Good planning also includes understanding how taxes may affect each stage of your financial life. Year after year, many individuals and families find themselves wondering: “Am I missing opportunities?”“Should I be doing something different with my accounts?”“Is there a better way to plan for retirement income?” We aim to answer those questions and provide clear guidance, highlighting why tax planning is such an important p