Search

Search

Category: Retirement Planning

The Truth About Trump Accounts

By

Trump Accounts are a brand-new type of tax-advantaged investment account for children created by July 2025’s One Big Beautiful Bill Act (OBBBA). When OBBBA first became law, there was minimal information available regarding these accounts, but that has since changed with the launch of the official website: trumpaccounts.gov. We now know the IRS intends to roll out these new accounts starting in July 2026.   Essentially, a Trump Account is a children’s investment … Continued

Looking Forward to 2026: What to Know at Year End ‘25

By

Though the year-end fast approaches, it is never too late to review strategic planning opportunities and preview what lies ahead in 2026. With the signing of the One Big Beautiful Bill Act (OBBBA) into law on July 4, 2025, there are some significant changes ahead that augment the tax and estate planning landscape. We encourage … Continued

Should You Convert Your IRA to a Roth?

By

If you’ve been saving for retirement in a traditional IRA, you may have heard about the option to convert it into a Roth IRA. It’s a move that can offer significant long-term tax advantages—but it’s not the right choice for everyone. Before making the switch, it’s important to understand the benefits and drawbacks of a … Continued

Decoding the Mega Backdoor Roth Strategy

By

A Roth IRA allows you to save for retirement with after-tax dollars, enjoy tax-free growth, and access qualified withdrawals tax-free in retirement. Unfortunately, high-income earners are generally barred from making direct Roth IRA contributions due to IRS income limits. A backdoor Roth strategy can be utilized to overcome this hurdle, but a mega backdoor Roth … Continued

Roth Asset Basics

By

“Should I contribute to a Roth IRA? How can I contribute to a Roth IRA?” Before answering those questions, we need to define what Roth assets are. The difference between a Roth IRA and traditional IRA is that Roth contributions are made with after-tax assets, and any growth on assets inside the Roth is tax-free. … Continued

Final Rules for Inherited IRA Owners in a Post-SECURE Act World

By

Between now and 2045, Cerulli Associates estimates that more than $80 trillion in wealth will be transferred from the Baby Boomer generation to their heirs. It is understandable to assume some of those assets will be in the form of retirement accounts such as IRAs, Roth IRAs and 401(k)s. With the enactment of the SECURE … Continued

The Indispensable Role of Professional Eldercare Management Services

By

As our population ages, the demand for quality eldercare services continues to rise. Traditional family-based care—while often deeply valued—may become increasingly difficult to provide due to various factors such as geographic distance, work commitments, and personal limitations. In such instances, professional eldercare management services offer vitally important solutions and comprehensive support to ensure the well-being … Continued

New Rules for Unused 529 College Savings Funds

By

As the costs of higher education continue to rise, people are turning to tax-advantaged 529 savings plans to help fund their children’s education expenses. A 529 savings plan is a state-sponsored investment plan that offers tax-deferred growth and tax-free withdrawals when used for qualified education expenses. In addition, some states offer their residents additional tax … Continued

Palo Alto Office

245 Lytton Ave, Suite 300

Palo Alto, CA 94301

 

San Francisco Office

Four Embarcadero Center, Suite 3150

San Francisco, CA 94111

THE FIRM
QUICKLINKS

2026 Sand Hill Global Advisors, LLC | All Rights Reserved.