In this episode of Financial Sentiments, Nick Haberling walks through a simple but powerful estate planning idea: when leaving money to both family and charity, which assets go to whom can matter just as much as how much they receive.

Using a real-world-style example, Nick explains why pre-tax retirement accounts like IRAs can be costly for heirs but highly efficient for charities, while appreciated assets such as a home or brokerage account may be better suited for family because of the step-up in basis. With the right structure, a charitable estate plan can potentially reduce taxes, simplify the transfer process, and increase the impact of every dollar left behind.

Read the original article here:
https://financialsentiments.com/blog/2023/11/16/maximizing-your-charitable-legacy-smart-strategies-for-tax-efficient-estate-planning

Have a question or want to talk about your financial plan?
Email Nick at [email protected] or book a meeting here:
https://bookings.cloud.microsoft/book/[email protected]/?ismsaljsauthenabled=true

This episode is for informational and educational purposes only and should not be considered financial, tax, investment, or legal advice. Please consult your own professional advisors before making decisions about your estate plan. 

In this episode of Financial Sentiments, Nick Haberling, CFP®, discusses the hidden concentration inside the S&P 500 and why investors may not be as diversified as they think.

The S&P 500 is often described as a broad basket of 500 of America’s largest companies, but the index is weighted by market capitalization. That means the largest companies can have an outsized impact on performance. This episode explains what that means, why the Magnificent 7 have mattered so much in recent years, and how investors should think about diversification beyond simply owning “the market.”

Read the original article here:
https://financialsentiments.com/blog/2026/5/27/the-hidden-concentration-inside-the-sampp-500

Have a question or want to talk about your financial plan?
Email Nick at [email protected] or book a meeting here:
https://bookings.cloud.microsoft/book/[email protected]/?ismsaljsauthenabled=true