Crossing the Columbia: Why It’s No Longer a Simple Tax Win
For years, moving from Oregon to Washington was seen as a straightforward tax strategy for high-income earners and taxpayers anticipating an extraordinary taxable income event. Oregon’s high personal income tax rates made Washington’s lack of an income tax look like the clear winner. But as of 2025, the equation has shifted. With Washington’s relatively new… Read more Crossing the Columbia: Why It’s No Longer a Simple Tax Win
Beyond the 401(k): Unlocking the Power of a Cash Balance Plan
If you’re a business owner or high-income professional, you may have already hit the contribution limits on your 401(k), SEP, or SIMPLE IRA. That can be frustrating, especially if you’re in your peak earning years or trying to catch up on retirement savings. A cash balance plan offers another path. These plans allow for significantly… Read more Beyond the 401(k): Unlocking the Power of a Cash Balance Plan
One of the Most Powerful Planning Tools You’ve Probably Never Heard Of
High-earning business owners and executives are often limited by contribution caps on traditional retirement plans. One overlooked strategy, Restricted Property Trusts (RPTs), offer a way to lower today’s tax bill while building long-term, tax-advantaged wealth – when structured and maintained correctly. What Exactly are Restricted Property Trusts? Restricted Property Trusts are employer-sponsored benefit arrangements designed… Read more One of the Most Powerful Planning Tools You’ve Probably Never Heard Of
Aldrich Wealth Recognized Amongst Largest Money Management Firms in Oregon + S.W. Washington by the Portland Business Journal
Lake Oswego, OR, August 19, 2025 — Aldrich Wealth, a registered investment advisor (RIA) with over $6 billion in assets under advisement (AUM), is proud to announce that the firm has again been recognized by the Portland Business Journal as one of the Largest Money Management Firms in Oregon & Southwest Washington, ranking 10th amongst 45… Read more Aldrich Wealth Recognized Amongst Largest Money Management Firms in Oregon + S.W. Washington by the Portland Business Journal
Catch-Up Chaos: Guidance for the New Roth 401(k) Rule No One’s Really Ready For
Starting January 1, 2026, Section §603 of SECURE Act 2.0 takes effect, requiring employees aged 50+ who earned $145,000 or more in FICA wages during 2025 to make all catch-up contributions as post-tax Roth contributions. This is one of the most impactful provisions of the Act, yet with just four months to go, many employers… Read more Catch-Up Chaos: Guidance for the New Roth 401(k) Rule No One’s Really Ready For
One Big Beautiful Bill Act: Strategic Checklist
OBBBA Strategic Checklist The One Big Beautiful Bill Act (OBBBA) brings a wide range of updates to the tax code that could bring significant impacts and opportunities to high-net-worth individuals, family business owners, and those managing complex assets. To help navigate these developments, we’ve created a comprehensive checklist designed to highlight key considerations and support… Read more One Big Beautiful Bill Act: Strategic Checklist
Understanding The Social Security Fairness Act
On January 5, 2025, the Social Security Fairness Act was signed into law, marking a significant change in how Social Security benefits are calculated for individuals who receive a pension from employment not covered by Social Security. This includes many public sector workers such as teachers, firefighters, and police officers. The new law repeals two… Read more Understanding The Social Security Fairness Act
The Hottest 401(k) Litigation Trend’s New Angle
For the past two years, plaintiffs’ attorneys have homed in on forfeitures—the unvested employer contributions (i.e. match, profit sharing) in a retirement plan, that stay behind when employees leave prior to becoming fully vested. To date, more than 65 class action lawsuits have been filed arguing that using forfeitures to offset future employer contributions, (the most… Read more The Hottest 401(k) Litigation Trend’s New Angle
15 Million Reasons to Revisit Your Estate Plan
On July 4, 2025, the One Big Beautiful Bill Act (OBBBA) marked another considerable turning point in estate and gift tax planning. Beginning January 1, 2026, the federal estate, gift, and GST tax exemptions will permanently increase to $15 million per person, or $30 million per couple. These amounts will be indexed for inflation starting… Read more 15 Million Reasons to Revisit Your Estate Plan
Q2 2025 Market Commentary + Outlook
Q1 2025 Market Commentary + Outlook Executive Summary The S&P 500 declined 4.3% in the first quarter of 2025, with most losses occurring in March as economic uncertainty intensified. Inflation expectations rose sharply following the announcement of broad new tariffs, and the Federal Reserve (Fed) held interest rates steady, signaling a more cautious approach amid… Read more Q2 2025 Market Commentary + Outlook
Expanded Tax Benefits for Small Business Investors: A Look at Section 1202 Under the OBBBA
The recently enacted One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, delivers sweeping tax reforms aimed at fueling entrepreneurship, capital formation, and small business investment. A particularly notable change for founders, investors, and advisors is the modernization of Section 1202 of the Internal Revenue Code, which governs the Qualified Small… Read more Expanded Tax Benefits for Small Business Investors: A Look at Section 1202 Under the OBBBA
Major Changes to Energy Credits for Individuals Under the One Big Beautiful Bill Act
The One Big Beautiful Bill Act (OBBBA), signed July 4, 2025, significantly modifies key provisions of the Inflation Reduction Act (IRA). While corporate energy tax credits remain mostly intact, individual energy tax incentives sunset earlier than previously scheduled. High-net-worth taxpayers, who often face income-based eligibility restrictions, must pay careful attention to this accelerated timeline to… Read more Major Changes to Energy Credits for Individuals Under the One Big Beautiful Bill Act
