Financial Insights

A focused December roadmap for complex wealth. We cover the moves that matter before December 31—dialing in safe harbor payments, sequencing deductions, evaluating PTET, tightening trust administration, using the 65 day rule, optimizing charitable strategy, and selecting assets for lifetime exclusion gifts. Treat it as a menu, then coordinate with your CPA and attorney so cash flow, taxes, and giving all point the same direction for 2026.

Holding too much of one company’s stock can jeopardize your wealth—and selling may spark a hefty tax bill. Explore five advanced techniques to hedge risk, diversify exposure, and defer capital gains while keeping your goals on track.

A fee-only fiduciary advisor puts your interests first, clarifies complex decisions, and can shave years off your retirement timeline. Learn what to expect, the crucial questions to ask, and why Westlight Wealth’s client-first process makes the difference.

A complete estate plan still protects your loved ones, saves time and money, and keeps your voice in the room when you can no longer speak for yourself.

Earning a solid return on your investments feels great, but protecting those returns—and your overall financial well-being—requires understanding and managing risk in every corner of your life.

Estate planning is simply the exercise of making sure what you worked so hard to build ends up in the right hands, at the right time, with as little cost, tax, and family conflict as possible.

Your retirement plan starts with an open conversation about your life, moves through detailed goal setting and data driven projections, and ends with an actionable strategy that adapts as life unfolds. This article walks you through the Certified Financial Planner seven step process and shows what to expect at every stage.