A&I Financial Services

The Psychological Side of Business Succession: It’s About More Than Letting Go What are the emotional challenges of selling a business? The decision to sell a business is perhaps the largest decision an owner will make over the course of a lifetime, and it is rife with psychological change. Take Susan, for example. She is...Read More

Should You Use Net Unrealized Appreciation (NUA) in Your 401(k)? Key Considerations for Company Stock Owners   Should I use net unrealized appreciation for my 401k company stock? If you hold company stock within your 401(k) and that stock has significantly appreciated, you may benefit from a tax strategy known as Net Unrealized Appreciation (NUA)....Read More

Question: How do I sell my business to a family member without hurting relationships? As business owners approach retirement, many hope to transition their company to a family member or trusted employee. While this may seem straightforward, the reality—echoed by pop culture like Succession or even King Lear—can be anything but simple. From power struggles...Read More

Question: What should I review in my financial plan mid-year? The summer is in full swing, and we’re officially halfway through 2025. Like many of us, you may have dutifully made New Year’s resolutions. But as the saying goes, “The only constant is change.” That’s why July is an ideal time for a mid-year financial...Read More

Have you accumulated a significant portion of your net worth in a single company’s stock and wondered, “How do I manage a concentrated equity position without risking my financial future?” If so, you’re not alone. Many individuals—whether through company stock plans, investments, or equity compensation—find themselves holding too much of one stock, and that can...Read More

Can I sell my house without paying capital gains taxes? What if my children don’t want the family home? Is it wrong to value liquidity more than real estate assets? These are some of the most common questions we hear when helping families with estate planning and highly appreciated real estate. Whether it’s a long-loved...Read More

“I don’t know where I’m going—but I know how to get there.”  – Boyd Varty, The Lion Tracker’s Guide to Life This ironic, almost paradoxical phrase beautifully captures the mystery of the journey—whether you’re tracking lions, navigating a complex city like London, or working through the challenges of charitable planning. It could just as easily...Read More

How do I pay for my child’s college without hurting my retirement? Bella and Mark always dreamed of sending their two kids to college. But as their oldest approached junior year, reality set in: tuition costs had skyrocketed, and their savings weren’t quite where they hoped. They started wondering—can we help our kids graduate debt-free...Read More

What are the best strategies for charitable giving to reduce taxes? Lily had always been passionate about supporting her community, from local shelters to environmental causes. As her wealth grew, so did her desire to make a significant, lasting impact. But as tax season approached, she began to wonder: Is there a way to give...Read More

“What should I do after tax season to reduce my tax burden next year?” Tax season can feel overwhelming, even for the most organized individuals and business owners. Whether you faced an unexpected tax bill, missed deductions, or simply felt the stress of last-minute filing, now is the perfect time to reflect and prepare for...Read More