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Forefront Discover Your Path to True Wealth with Forefront Wealth creation is a path paved with intention, strategy, and action.

Forefront is here to empower you to confidently arrive at TRUE WEALTH. What Does Financial Freedom Look Like For You? Your definition of True Wealth is your own and we are here to help you make it your reality. At the core of every True Wealth Statement is the freedom of time, money, and relationships to focus on what is important to you.

-TIME
-MONEY
-RELATIONSHIPS

We closely work with tech professionals, empowered women, pre-retirees and business owners to build TRUE WEALTH. Connect with one of our advisors to learn more about how you can build TRUE WEALTH below:

https://calendly.com/forefrontwp/virtual-coffee-meeting

Advisory services are offered through Forefront a DBA of Forefront Wealth Partners, LLC. Securities are offered through Calton & Associates, Inc., member FINRA and SIPC. Forefront is not owned or controlled by Calton & Associates, Inc.

10/15/2026

What is the difference between tax preparation and proactive tax planning?

Think of tax preparation as looking in the rearview mirror.

When your tax return is prepared, you’re accounting for income, transactions, deductions, and other financial decisions that have already happened.

At that point, many of the planning opportunities tied to that tax year may have already passed.

Proactive tax planning starts earlier.

Throughout the year, financial decisions can have tax implications.

• Selling an investment
• Receiving equity compensation
• Making retirement contributions
• Giving to charity
• Running a business
• Experiencing a major change in income

Proactive planning means looking at those decisions before year-end, understanding how they could affect your tax picture, and considering available strategies while there may still be time to act.

Tax preparation still plays an important role.

It documents and reports what happened.

Proactive tax planning gives you the opportunity to consider what happens next.

If you’re selling investment real estate, your tax-planning calendar may start the day you close.A 1031 exchange can all...
10/14/2026

If you’re selling investment real estate, your tax-planning calendar may start the day you close.

A 1031 exchange can allow an investor to defer certain taxes from the sale of qualifying investment real estate by reinvesting the proceeds into other qualifying property.

But the strategy comes with strict deadlines.

Once the sale of the relinquished property closes, you generally have:

• 45 days to identify potential replacement property in writing

• 180 days to complete the exchange, or until the applicable tax-return due date, whichever comes first

Those deadlines make timing an important part of the planning process.

Waiting until after a property sells to start thinking about the tax implications can leave you with fewer options.

Before a potential sale, it can help to understand your cost basis, accumulated depreciation, potential capital gains, and what you ultimately want the proceeds from the property to accomplish.

From there, your financial advisor, CPA, attorney, and qualified intermediary can help you evaluate whether a 1031 exchange makes sense for your situation and coordinate the steps involved.

Year-end tax planning isn’t limited to what happens in December.

Some opportunities have a clock attached to them.

If selling investment real estate is part of your plans, understanding that clock before the transaction can give you more time to plan.

Read our full guide, 1031 Exchange Strategies: Advanced Tax Deferral, DSTs, UPREITs, and Wealth Preservation.

https://forefrontwealthpartners.com/1031-exchange-strategies-advanced-tax-deferral-dsts-upreits-and-wealth-preservation/

10/13/2026

Before deciding what year-end moves to make, figure out where you are now and where you expect to be by December 31.

That’s where Eric Negron starts when reviewing year-end planning opportunities with a client.

For an employee, that could mean pulling a recent pay stub to see year-to-date income and deductions.

For a business owner, it could mean working with a CPA, CFO, or bookkeeper to understand current income and project where the business will be by year-end.

Then look at what else happened during the year.

Did you sell real estate or investments and realize a gain?

Did RSUs vest or did you receive or exercise stock options?

Did another major financial event change your income or tax picture?

Once you understand where you are today and where you’re likely to be on December 31, you can start evaluating the planning opportunities available to you.

That could mean reviewing retirement contributions, HSA contributions, or, for business owners, the timing of certain business expenses.

As Eric explains in the video, year-end tax planning starts by getting the full picture in front of you.

Then you can decide what to do with the time you still have.

10/12/2026

What are some of the most common things that people miss with year-end tax planning?

It often comes down to two things: deadlines and projections.

Different financial decisions have different deadlines.

If you contribute to a workplace retirement plan like a 401(k), your employee contributions generally need to be made by December 31.

Other accounts and strategies may give you more time.

The important part is knowing which deadlines apply to your situation so you don’t discover an opportunity after the window to act has already closed.

The second piece is understanding where your tax situation is headed.

How much income will you have by year-end?

Did anything happen during the year that could affect your taxes?

What might your eventual tax liability look like based on everything that has happened so far?

A year-end tax projection can give you a clearer picture of where you’re likely to land while there is still time to consider the strategies available to you.

Know where you stand.

Know your deadlines.

Then you can make year-end decisions with the full picture in front of you.

10/08/2026

“Good financial advice to me is keeping it simple. If you can’t explain your financial plan, it’s too complicated.”

That’s how Melody Brady describes the work at Forefront.

And it’s one lesson we’ve learned over 10 years of financial planning.

Take estate planning.

It’s easy to tell a client, “You need an estate plan. Here are three attorneys. Let me know when it’s done.”

A great advisor stays involved.

They help coordinate the meeting.

They sit at the table with you.

They answer the financial questions that come up.

They help move the process forward.

Because talking to an attorney about death, your family, and what happens to everything you’ve built can already feel overwhelming.

You shouldn’t have to navigate it alone.

Sometimes the most important part of financial advice is having someone there to help you see it through.

Your salary may not tell the whole story of your income this year.If you receive equity compensation, vesting RSUs or ex...
10/07/2026

Your salary may not tell the whole story of your income this year.

If you receive equity compensation, vesting RSUs or exercising stock options may have created taxable income along the way.

For example, when RSUs vest, the value of those shares is generally treated as ordinary income and added to your W-2.

Your employer may withhold shares to help cover taxes, but that withholding may not cover your tax liability.

That makes your equity an important part of your year-end tax review.

Take a look at what happened this year:

• How much equity vested?
• Did you exercise any stock options?
• How much was withheld for taxes?
• Did those events change your overall income picture?

Reviewing those answers before year-end gives you time to understand where you stand and whether there are planning decisions still in front of you.

Your equity is part of your compensation.

Your tax plan should account for it.

Our latest guide breaks down how RSUs, ISOs, NSOs, and ESPPs work, when different tax events occur, and the planning considerations that come with each.

Read the full guide:

https://forefrontwealthpartners.com/equity-compensation-explained-a-guide-to-rsus-stock-options-espps-and-taxes/

10/06/2026

“They can now go on vacations twice a year.”

That’s how Aspen West described what changed for a retired couple after taking a closer look at their financial plan.

When they came to Forefront, their retirement savings were spread across a generic investment portfolio, CDs, cash, and annuities that held a significant portion of their retirement money.

But there was also an opportunity to look at how all of those pieces were working together.

A retirement plan can look very different when investments, income, taxes, insurance products, and the life the money needs to support are reviewed together.

Aspen and the Forefront team reviewed the client’s investment strategy, CDs and cash, existing annuities, and tax strategy.

The result was more income available to support the life they wanted to live.

Vacations could become longer. A new car became possible. They could spend more in retirement than they could before.

As Aspen put it, “The world has opened to them.”

They had spent their whole lives working and saving that money.

Thoughtful planning helped them find more ways to use it in the life they had been preparing for.

Some financial planning opportunities expire at the end of the year. There’s still time to take action before December 3...
10/05/2026

Some financial planning opportunities expire at the end of the year. There’s still time to take action before December 31.

Depending on your financial situation, there may still be decisions you can make before year-end that affect your tax picture.

That could include:

• Increasing retirement plan contributions
• Contributing more to an HSA
• Making charitable gifts
• Harvesting investment losses
• Adjusting estimated tax payments
• Making decisions around equity compensation
• Reviewing the timing of income and deductible expenses

The right move will depend on what happened in your financial life this year and what you’re planning for next.

That’s why year-end tax planning starts with looking at the full picture.

What income have you earned?

What gains or losses have you realized?

What contributions have you already made?

What financial decisions are still ahead?

There’s still time to answer those questions and determine which opportunities make sense before the year ends.

If you need help with this, we’re here for you.

There’s still time to make financial decisions that could affect how you finish the year.Before December 31, there are s...
10/01/2026

There’s still time to make financial decisions that could affect how you finish the year.

Before December 31, there are several areas of your financial life worth reviewing:

• Year-to-date income
• Realized investment gains and losses
• Retirement plan contributions
• HSA contributions
• Charitable giving
• Estimated tax payments
• Changes in your life or employment

Looking at these pieces together can help identify planning opportunities while there’s still time to act.

Maybe your income changed this year.

Or, you realized more investment gains than expected.

Perhaps you haven’t reached your retirement or HSA contribution goals. Or maybe a job transition or another life event changed the financial picture altogether.

October gives you something December may not: time.

Time to see where you stand, understand what options are still available, and make thoughtful decisions before the calendar closes on the year.

Year-end planning starts with knowing what has already happened and what you can still do about it.

The most difficult asset for your family to divide may not be the most expensive one.It could be a piece of jewelry, a c...
09/30/2026

The most difficult asset for your family to divide may not be the most expensive one.

It could be a piece of jewelry, a collection, family photos, artwork, furniture, or another belonging that carries years of memories.

These items may have relatively little financial value while holding significant sentimental value for the people who inherit them.

That can make them an important part of your estate planning conversations.

Talk with your family about whether certain belongings have special meaning to them.

You may learn that something you considered insignificant is deeply important to one of your children or grandchildren.

You can then work with your estate planning professionals to document how you want personal property handled.

Depending on your estate plan and applicable state law, a personal property memorandum may be one way to record who should receive specific belongings.

Your financial advisor can help you think beyond the dollar value of your estate and identify the family considerations worth discussing with your estate planning attorney.

Our latest guide explores the financial and personal decisions that can shape how you leave assets to the next generation.

Read the blog, Equal vs. Equitable Distribution in Estate Planning: How to Divide Assets Among Heirs.

https://forefrontwealthpartners.com/equal-vs-equitable-distribution-in-estate-planning-how-to-divide-assets-among-heirs/

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