By JACKSON KEENAN, CFP®  End-of-Year Tax Planning For most Americans, the tax filing deadline for 2025 is Wednesday, April 16, 2026. However, for high-net-worth individuals, effective tax planning begins much earlier. Consider December 31, 2025, as your real deadline to … Read More

Key Takeaways RMDs Pushed Out The age to begin Required Minimum Distributions increases to 73 now and 75 starting in 2033, allowing retirees more time for tax-deferred growth. Lower Penalties for Missed RMDs The prior 50% penalty for failing to … Read More

by JACKSON KEENAN, CFP®, DIRECTOR OF FINANCIAL PLANNING As we enter the season of giving, it is important to consider how giving can benefit both your principles and your taxes. Many of our clients utilize Donor-Advised Funds, but they look … Read More

By Jackson Keenan, CFP®, Director of Financial Planning Top 5 Takeaways: What to Do with an Overfunded 529 Plan Change the Beneficiary You can switch the 529 to another eligible family member which could be siblings, cousins, even yourself. Use … Read More

By Jackson Keenan, CFP®, Director of Financial Planning Top 5 Takeaways: 529 Education Savings Plans offer tax-deferred growth and flexibility for a wide range of qualified education expenses which can be ideal for high-income families. State tax deductions or credits may apply, … Read More

By JACKSON KEENAN, CFP® Key Takeaways Estate Planning Advantage: The estate and gift tax exemption has been permanently increased to $15M per individual, offering expanded opportunities for wealth transfer. Temporary Social Security Deduction: From 2025 to 2028, retirees with moderate … Read More

At MONTAG, we believe wealth management requires coordination among a variety of professionals. We recognize our clients often have established relationships with accountants, attorneys, and other specialists. Rather than working in isolation, we actively collaborate with these professionals to provide … Read More

For most of us, it’s been a long time since we were in a math class and, if we ever learned anything about probability, we likely forgot it all once the final exam was turned in. In an age of … Read More

By Jackson Keenan, CFP® Spring (and pollen) is in the air, and many of us will start our spring cleaning. The “urge to purge” might be strongest with our financial documents – taxes, statements, paid medical bills, etc. – but … Read More

by JACKSON KEENAN, CFP®, DIRECTOR OF FINANCIAL PLANNING As we enter the season of charitable giving, it is important to match your desire for making a difference while also being thoughtful with your tax planning.  Many of our clients have … Read More