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Beyond Your Finances, Retirement

Medicare Planning Before 65: What High-Net-Worth Individuals Should Know

Medicare may begin at 65, but the financial decisions that influence its cost can begin years earlier. For high-net-worth individuals, income from Roth conversions, investment gains, retirement distributions, and other transactions may affect future premiums. Medicare planning for high-net-worth individuals often begins before age 65. Financial decisions made in the years leading up to enrollment…

Beyond Your Finances, Investment Planning, Retirement, Taxes

Why High-Net-Worth Individuals and Families Need Specialized Wealth Advisors

Building wealth is a significant accomplishment. Managing it effectively can become increasingly complex. As wealth grows, so do the financial decisions that accompany it. Investment accounts, retirement plans, business interests, tax considerations, estate planning, charitable giving, and family legacy goals often become interconnected. A decision in one area can have consequences for several others. That…

Beyond Your Finances, Retirement

The Real Cost of Staying With the Wrong Advisor

This article originally appeared as a Thought Leader feature in the Summer 2026 issue of Columbus CEO. By PDS Planning Introduction Why many people delay making a change, and what it can cost.Your advisor’s attention has slipped. Engagement is reactive. Communication has fallen off. Or life has gotten more complex than your current advisor was…

Estate & Legacy, Retirement

Wealth Transfer Strategies for High-Net-Worth Families

High-net-worth families have more flexibility than ever to approach wealth transfer strategically. With higher estate, gift, and GST exemptions now in place, the focus is no longer just on reducing taxes. It is on building a transfer plan that supports family goals, preserves control where needed, and creates a lasting legacy. The challenge is no…

Beyond Your Finances, Our People, Retirement

Running into Retirement Revisited

At PDS Planning, we believe some of the best financial lessons come from real life experiences. Alyssa Troyer, Director of Operations and Paraplanner at PDS, recently reflected on completing her 14th half marathon while balancing life as a working mom of two young children. Her experience serves as a thoughtful reminder that both running and…

Retirement

2026 Retirement Plan Contribution Changes: What You Need to Know

Big Changes Are Coming to Retirement Contributions in 2026 The IRS has released updated retirement plan contribution limits for 2026, and several SECURE Act 2.0 changes take effect on January 1, 2026. For high-income earners and retirees who delegate financial complexity to advisors, these updates will influence tax strategy, plan contributions, and how much you…

Estate & Legacy, Retirement, Taxes

Year-End Financial Checklist

The end of year is nearing, and these final weeks of the year present a critical window for implementing strategies that can significantly reduce your tax liability and advance your long-term financial goals. With this timeline in mind, here are some things to consider before year-end to help ensure your financial plans remain on track. 1. Optimize…

Retirement

Permission to Spend in Retirement

At PDS Planning, we believe true wealth isn’t just about how much money you have, but how fully you’re living. Wealth should fuel purpose, joy, and peace of mind. Yet, many families struggle to feel the freedom their financial security should bring.  They’re financially sound on paper but can feel emotionally stuck. They hesitate to…

Retirement

Social Security Fairness Act: Update

In January, we first posted (here) about The Social Security Fairness Act concerning the elimination of the Windfall Elimination Provision and Government Pension Offset. Many clients were previously impacted by these provisions which reduced, or in many cases, eliminated Social Security benefits they would have been eligible for if they (or their spouse) did not…

Retirement

Even Rich Retirees Fear Outliving Their Money

This original article was published in the January 6, 2025, print edition of The Wall Street Journal by Anne Tergesen. A recent Wall Street Journal article highlights a surprising trend among wealthy retirees: even those with significant savings fear running out of money. This anxiety leads many to live well below their means, even when…

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