InvestED | Retirement is like an Outdoor Cat
Have you ever noticed how something as simple as toothpaste can tell you a lot about your life? This morning, I walked into the bathroom and, to my surprise, my toothpaste was exactly where it belonged. Right there. In the drawer.…
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InvestED | Top 6 Ways to Donate to Receive the Biggest Tax Break
When meeting with our philanthropically minded clients, we often say, “give cash last.” Donating cash is simple, but it’s not always the most tax efficient. As we are nearing the end of the year, many clients plan to make charitable…
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InvestED | Will What You Built Be Amplified… or Squandered?
Have you seen Billy Madison starring Adam Sandler? Do you remember the premise? His dad built a massive business and wanted to hand it over to his son… while Billy was busy having a full argument between shampoo and conditioner. It’s…
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InvestED | Investing During Times of War Historical Context and Considerations
Steady Oversight and a Disciplined Process Recent geopolitical developments have understandably raised questions about how global conflicts may affect financial markets. Periods like these can create uncertainty and volatility, and part of our responsibility as your advisors is to watch…
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InvestED | Make 2026 Your Year to Give
2026 Is the Year: Give at Least $2,000 to Non-Profits! Every donation helps fuel the vital work of non-profits in our communities—feeding families in need, supporting local schools, foundations, church, funding scholarships, shelters, and programs that create lasting change. Your…
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InvestED | Tax-Free for Life
The HSA Strategy Retirees Wish They Started Sooner For high-net-worth individuals, an HSA can be more than a place to pay today’s medical bills — it can act as a health-care retirement account, offering long-term tax savings and a dedicated…
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InvestED | What's New for 2026
Retirement, HSA, and Estate Updates at a Glance As the calendar turns, the numbers shift — and with them, meaningful opportunities to strengthen retirement plans, optimize taxes, and plan for the next generation. The IRS has released the updated limits…
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InvestED | Top 7 Year-End Tax Planning Ideas: Maximize Your Savings, Deductions, and Opportunities
As 2025 comes to a close, taking a few strategic steps now can help reduce your tax liability and position you for a stronger financial year ahead. Beyond just contributions and deductions, savvy planning can include gifts, income timing, and…
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InvestED | Lessons From a High-Altitude Adventure
In the spring of 2008, my wife and I spent several days trekking through Peru’s Andes Mountains on our way to Machu Picchu. The climbs were steep, the air thin, and the scenery breathtaking. But what we remember most is…
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InvestED | The Pre-Flight Checklist: Double Check Your Beneficiaries
The Pre-Flight Checklist: Double Check Your Beneficiaries When we flew in Jim’s Cessna 170, we had no idea it would be the last time. For years, my son has shared his dream of becoming a pilot. Spending time with Jim…
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From Tax Savings to Lasting Impact: Making Giving a Family Affair
When we flew in Jim’s Cessna 170, we had no idea it would be the last time. For years, my son has shared his dream of becoming a pilot. Spending time with Jim and flying in his plane is a…
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InvestED | Teen's First Paycheck? 3 Financial Moves to Help Them Thrive
When our oldest got her first job, we were thrilled for her! As her parents, we were trying to balance being excited while helping her learn how to manage the bigger paychecks than she had seen in the past from…
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InvestED | What is SUPER CATCH-UP?
It is officially Summer! Favorite summer past times of grilling burgers, hotdogs, swimming, boating, gardening, camping and just spending time outside is here. A staple in many American refrigerators in the summertime, and throughout the year, is Ketchup. Ketchup has…
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InvestED | 5 Tips on Finding the Right Financial Advisor in Kalamazoo
Are you looking for a Financial Advisor in Kalamazoo? Finding the right financial advisor to partner with you and your family is crucial in helping you work towards your goals. Whether you're planning for retirement, managing investments, seeking advice on…
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InvestED | Qualified Charitable Distributions
Less Tax for You. More Money to the Charity. Nothing for the Government. What’s not to love? When you reach 73 years old, you are required to start taking minimum distributions from your traditional IRAs and certain other retirement accounts. These…
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InvestED | 529 Leftovers: What are my options?
A few years ago, I bought a smoker to smoke meat. If you have ever smoked meat, you know that it takes a LONG time to cook, but it is SO worth it! And because it takes so long, we…
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InvestED: Small Steps Lead to BIG Results...Over Time
When I was 13 years old, I wanted to learn how to play the drums. I didn’t just want to play the snare drum alone, that’s boring. I wanted to rock out on the whole kit! When I first sat…
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InvestED: Why Save?
In June of 2020, our family was on the hunt for a large vehicle that could fit our 4 growing kids and tow our camper. We found the perfect late model Yukon XL posted by a private owner on Facebook…
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SECURE Act 2.0: What Every Individual Needs to Know
You may have read about the SECURE Act 2.0 that passed in late December as part of the Consolidated Appropriations Act. This is the most extensive retirement plan legislation we have seen in years. The main objectives include increase the…
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InvestED: The FIRST DAY of the Rest of YOUR LIFE
Can you picture your last day of work? What will you be feeling? What will you be thinking? What will be the look on your face when you leave work for the last time? My dad, John W Heavey, started…
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InvestED: A Gift for Their Lifetime
A few months ago, a client who recently received a fairly unexpected sum of money asked to meet with me for counsel. He expressed that he really wanted to use it to bless his (very young) kids and asked our…
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What does a GUITAR have to do with your FINANCIAL LIFE?
Did you know that when you restring a guitar, a best practice is to take it one string at a time in order to keep constant, dynamic tension on the guitar at-all-times? Guitars perform best when each string is carefully…
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BEGIN with the END in Mind
July 27 was just like any other day. I got up, said goodbye to my wife and kids, enjoyed advising clients and went home to my family. We had extended family and friends over and after dinner, I went outside…
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KNOW when to say NO
"It's easy to say no when there is a deeper yes burning inside." - Stephen Covey Including my 6-year-old in re-wiring our trailer took longer than I had planned...but it was worth it. It was (kinda) easy to say NO…
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Are Your Investments Really Diversified?
Recently overheard a 401k participant mention their account was fully diversified since they are invested in the S&P 500 Index and don’t feel they need other investments. While the S&P 500 accounts for 70%-80% of the market value of the…
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Let Us (Re)Introduce Ourselves | Rose Street Advisors Team
Let Us (Re)Introduce Ourselves To the many friends of Rose Street Advisors, As we embrace this new year, we are more committed than ever to living out our core values and our mantra "What We Do and How We Do It…
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Investor Psychology: Behavioral Biases That Can Lead to Costly Mistakes
Investor Psychology: Behavioral Biases That Can Lead to Costly Mistakes The field of behavioral finance focuses on the emotional and cognitive aspects of investing. In recent decades, well-known economists have advanced the theory that investors’ decisions can be driven by…
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Are Value Stocks Poised for a Comeback?
Are Value Stocks Proposed for a Comeback? Growth stocks have dominated the market for the last decade, led by tech giants and other fast-growing companies. While it’s possible this trend may continue, some analysts think that value stocks may have…
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