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What to Look for in a Prudential Long-Term Disability Lawyer

The Prudential Insurance Company of America or Prudential Financial (often called “Prudential” for short) is one of the world’s largest and most successful financial services and insurance companies. Although the company is best known for offering life insurance and investment planning services, Prudential (via its subsidiary, Prudential Insurance Company of America) takes in an estimated $830…

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Student Loans: What You Need to Know

As of year end 2024, there is $1.78 trillion in loan debt spread across 45.3 million borrowers. How did we get here? The increase in tuition is directly related to the free-flowing market of student loans. If I were in the lending business, I would love to have a loan on the books that is not able to be bankrupted. More often than not, students and parents are forced to take out student loans to…

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You Can Be the Beneficiary of Your Own Life Insurance Plan

Most people purchase life insurance with the idea of protecting their loved ones. They want to know that when they die, their surviving family members will be financially secure. In other words, most people think life insurance is only for dying! Some life insurance policies also offer benefits that can be used while the policy owner is living. A policy with “living benefits” can provide the…

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The Senate Saves PEPFAR Funding — For Now

The Host The Senate has passed — and sent back to the House — a bill that would allow the Trump administration to claw back some $9 billion in previously approved funding for foreign aid and public broadcasting. But first, senators removed from the bill a request to cut funding for the President’s Emergency Plan for AIDS Relief, President George W. Bush’s international AIDS/HIV program. The…

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New SALT Cap: Unlock Big Tax Savings with Non-Grantor Trusts

The increased SALT deduction cap under the One Big Beautiful Bill Act provides a powerful tool for tax and estate planning, particularly through the use of non-grantor trusts. By strategically transferring income-producing assets into multiple trusts, taxpayers in high-tax states can multiply their SALT deductions, reduce federal tax liability and enhance estate planning outcomes. The One Big…

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1 Million Bank Accounts Have Now Been Closed in Just Four Years • FrankNez Media

Market News Daily – 1 Million Bank Accounts Have Now Been Closed in Just Four Years. 1 million bank accounts have now been closed over the timespan of four years, according to the latest FCA data. “So far this year, nearly 200,000 accounts (retail and business) have been closed. It means more than one million accounts have been shut since 2019,” says This Is Money. A Freedom of Information…

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Bigger Social Security Checks Are Arriving in April

Retired public sector employees eligible for additional benefits due to the Social Security Fairness Act (SSFA) will finally see their monthly payments increase. If you received Social Security benefits after December 2023 and were impacted by the Government Pension Offset (GPO) and/or the Windfall Elimination Provision (WEP) reductions, you are going to see more money starting in April. The lump…

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Life Insurance vs. Accidental Death and Dismemberment: Do You Need Both?

If you have loved ones who depend on you for financial support, purchasing or enrolling in the right insurance coverage can provide crucial security and peace of mind. Even if something happens to you, your family should not have to worry about paying for education, keeping the house, or other needs. Traditionally, life insurance policies have been the coverage of choice in these situations.…

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The One Big Beautiful Bill: What Our Clients Need to Know

You probably have a lot of questions about how the One Big Beautiful Bill Act will alter your financial planning future and the good news is, for Capstone Clients, roughly 90% of the changes The Bill made will not apply to you. While we’re digesting the new legislation ourselves, we wanted to give you some insight into what’s changed, what’s new and what’s stayed the same. What’s Staying (Mostly)…

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How Life Insurance Can Provide Flexibility for High Incomes

It’s a common scenario for successful, high-earning professionals: Decades of disciplined saving and investing have led to substantial nest eggs in retirement plans. But now, you find yourself in a financial bind. Despite your wealth, your money is largely inaccessible, tied up in retirement funds until a specified age. On top of that, the looming specter of significant tax burdens both now and…