Lindsay Kaminski of Gateway Financial Partners

10/20/2026

Adding a child to a deed or account may seem simple, but it can create tax problems, creditor exposure, or family disputes.

Joint ownership passes property directly, sometimes bypassing your intended distribution plan.

10/14/2026

Your age isn’t the only thing that can shape how you invest.

Different generations have experienced different markets, technology, and financial milestones, which can influence how they think about risk and opportunity.

Boomers, Gen Xers, millennials and Gen Zers are taking varying approaches to investing. Here's what they're doing and key lessons you can learn from them.

10/07/2026

Estate planning isn’t only about transferring assets, it’s about shaping the impact those assets have.

Thoughtful giving, whether through charitable funds, family trusts, or education planning, can extend your values beyond your lifetime.

The legacy left isn’t just financial, but the life it helps others build.

09/29/2026

College tuition keeps rising, how do you stay ahead of the curve?

Here are a few approaches families often consider:

• Start with a 529 plan – contributions can grow tax-deferred, and withdrawals are tax-free if used for qualified expenses.

• Layer in scholarships and grants – apply early and often, since deadlines and criteria vary widely.

• Compare school pathways – community college for the first two years can significantly reduce total costs.

• Balance education savings with retirement – it’s important to weigh both priorities instead of focusing on just one.

• Understand loan options early – federal and private loans work very differently, and knowing the terms ahead of time avoids surprises.

Tuition trends show no signs of slowing, which makes proactive planning even more important.

09/24/2026

Financial literacy is a lifelong skillset.

Understanding key concepts like compound interest, tax planning, and debt strategy can help support more informed decision-making across life’s stages.

https://www.forbes.com/sites/truetamplin/2023/09/21/financial-literacy--meaning-components-benefits--strategies/?sh=45b53fb68cde

Learn about financial literacy, including its importance, scope, and benefits. Here's a high-level overview on becoming financially literate.

09/14/2026

Did you know 529 account holders can now roll unused funds into a Roth IRA for the beneficiary?

Key rules include:

• The 529 must be open for at least 15 years
• Transfers are subject to annual Roth contribution limits
• Lifetime rollover limit is $35,000 per beneficiary

This update gives families more flexibility if education savings exceed actual costs.

09/10/2026

September is College Savings Month, a good time to revisit how you’re preparing for education costs.

Options like 529 plans, Coverdell ESAs, and even Roth IRAs each come with unique rules and benefits.

Knowing how they fit together can make future expenses easier to manage.

09/03/2026

Gap insurance fills the financial “gap” between the loan or lease balance and your car’s depreciated value if it’s totaled or stolen. It’s especially valuable for vehicles that lose value quickly or those with low initial down payments.

https://www.investopedia.com/terms/g/gapinsurance.asp

Protect your finances with gap insurance by covering the difference between your car's value and loan balance in case of total loss. Essential for long-term loans.

08/31/2026

A policy rider is an optional feature that can modify or add benefits to an insurance policy.

A few common examples include:

• Accelerated Death Benefit Rider: May allow access to a portion of the death benefit following certain qualifying health events
• Waiver of Premium Rider: May waive premiums when certain disability requirements are met
• Long-Term Care Rider: May provide access to benefits for qualifying long-term care expenses

Availability, costs, and eligibility requirements vary by policy.

When reviewing coverage, riders are worth considering alongside the policy’s core benefits and limitations.

08/25/2026

Term and permanent life insurance are designed to address different planning needs.

Term life insurance:
• Covers a specified period, often 10 to 30 years
• Commonly used for needs such as income replacement or debt protection
• Typically does not build cash value

Permanent life insurance:
• May provide lifelong coverage if policy requirements are met
• Can include a cash value component
• May be considered for longer-term insurance and estate planning needs