If you bought I bonds during the pandemic when inflation spiked to nearly 9%, you captured exceptional returns unmatched by most safe investments. But with I bond rates now normalized around 4%, what’s next? This post unpacks how I bonds work—tracking inflation via the Consumer Price Index for All Urban Consumers (CPI-U)—and explores when these bonds perform best. Learn why I bonds remain a smart hedge against inflation, how to buy and redeem them through TreasuryDirect, and how they fit strategically in today’s changing economic landscape marked by anticipated Federal Reserve rate cuts and ongoing inflation concerns. Whether holding pandemic-era bonds or considering new purchases, this guide offers clear insight to help navigate the evolving landscape of inflation-protected investing.

New professionals face three critical 401(k) decisions: maximizing employer matching contributions, choosing between traditional and Roth accounts for optimal tax benefits, and balancing retirement savings while managing student loan debt. Leveraging new SECURE 2.0 provisions and smart saving strategies can unlock decades of compounding growth and long-term financial security.

Discover how proactive tax strategies and reviewing old 403(b) accounts helped my clients avoid costly mistakes, save thousands annually, and confidently plan for their financial futures.

Starting your own business is both rewarding and challenging. After a year as an independent financial planner, I’ve identified three key lessons every entrepreneur should know: the critical importance of thorough record keeping, navigating business with friends and family through clear communication, and leveraging consistent marketing strategies to grow your client base. These insights provide a solid foundation to build a trusted, compliant, and thriving business. Ready to elevate your business? Schedule your free small business consultation today.

Alternative assets offer young professionals powerful tools to diversify beyond traditional stocks and bonds, helping navigate today’s volatile markets and low yields. Structured products provide engineered returns with built-in downside protection, blending bonds and derivatives for customized risk-reward profiles. Real Estate Investment Trusts (REITs) democratize real estate investing with dividend income and liquidity, while also serving as natural inflation hedges. Bourbon barrel investments deliver tangible asset exposure with strong historical appreciation, offering a unique inflation-protected physical asset that matures over years. Crowdfunding platforms like AcreTrader and Kickfurther allow direct participation in farmland and inventory financing, respectively, opening access to real economic growth opportunities with transparent fee structures.

Why this matters: Incorporating alternatives thoughtfully can enhance return potential and reduce correlation risk, helping young investors build resilient, diversified portfolios aligned with their financial goals and time horizons. This strategic inclusion supports long-term wealth accumulation beyond the limits of conventional asset classes.

Unlock Powerful Tax Savings for Your Family Business

Are you a small business owner with a young family? Discover how hiring your kids and spouse can transform your tax bill, boost family wealth, and teach the next generation real-world skills—all fully supported by IRS rules.

By employing your children (ages 7–17) in your sole proprietorship or spousal partnership, you can pay them a fair wage for legitimate work—think office help, inventory, or even assisting with social media. Their earnings, up to $14,600 per year, can be tax-free, and they qualify for payroll tax exemptions that save your business up to 15.3% in FICA taxes. Plus, your child can start building retirement savings now by contributing to their own IRA.

Hiring your spouse opens even more doors. Set up a Section 105 plan to deduct your family’s medical expenses as a business expense—potentially saving thousands annually. Doubling up on Solo 401(k) contributions? Yes—you and your spouse can each maximize contributions, accelerating your path to financial freedom.

These strategies aren’t loopholes—they’re time-tested techniques rooted in the Internal Revenue Code, backed by court precedent, and require only one thing: careful documentation. With proper job descriptions, timesheets, reasonable pay, and a compliance plan, your family business can confidently utilize these benefits and build generational wealth.

Ready to work smarter—together? Explore the full guide to family employment tax strategies and watch your family and your business flourish.

4 Strategies to Deal with Uneven Paychecks

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