Forefront

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 pro

fessionals, 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.

09/03/2026

For 10 years, Forefront Wealth Partners has been building a team around the people we serve.

Integrated financial planning can involve a lot of moving pieces.

Taxes. Investments. Equity compensation. Retirement. Business planning. Estate planning.

When a client has a question that requires deeper expertise, their advisor has people they can turn to, collaborate with, and bring into the conversation.

Chris Marrone, CFP®, has experienced that firsthand during his five years with Forefront.

His favorite part of the team is the collaboration.

Advisors share their expertise and the client service team helps move things forward behind the scenes.

And when a client’s situation crosses into another area of their financial life, there’s a community of professionals who can help the advisor think through it.

That collaboration has been part of Forefront’s growth over the last decade.

Cheers to 10 years of bringing good people together to help clients make informed financial decisions.

What does an integrated financial advisor actually help you with?For many people, the first answer is investments.That’s...
09/02/2026

What does an integrated financial advisor actually help you with?

For many people, the first answer is investments.

That’s one part of the job.

An integrated financial advisor looks across your financial life and helps you understand how different decisions affect one another.

That can mean:

• Building an investment strategy around your goals, timeline, and risk tolerance.

• Identifying tax planning opportunities and coordinating with your CPA.

• Planning for retirement by looking at your savings, income, spending, healthcare costs, and long-term goals together.

• Working alongside your estate attorney to help keep your estate plan and financial plan aligned.

• Reviewing insurance coverage and identifying areas where additional protection may be appropriate.

• Helping business owners think through growth, a future sale, or succession within their broader financial plan.

• Helping employees understand how equity compensation affects their taxes, investments, and long-term goals.

• Reviewing cash flow, savings, debt, mortgages, and other liabilities.

Your financial life is connected.

A decision about retirement can affect your taxes.

Selling a business can affect your estate plan.

Exercising company stock can change your investment strategy.

An integrated financial advisor helps you see those connections and make informed decisions with the full picture in mind.

If you’d like a deeper dive into how integrated financial advisors can help you, read the blog, https://forefrontwealthpartners.com/what-does-an-integrated-financial-advisor-do/

A will and a trust can leave your family with very different experiences after you pass away.With a will-based estate pl...
09/01/2026

A will and a trust can leave your family with very different experiences after you pass away.

With a will-based estate plan, assets controlled by your will generally go through probate before they are distributed to your heirs.

With a trust-based estate plan, assets properly titled in the trust can generally pass to your beneficiaries without going through probate.

A trust can also give you more control over what happens next.

You can decide whether an inheritance is distributed all at once or over time.

You can establish instructions for how assets are managed for younger beneficiaries.

And because a revocable living trust exists during your lifetime, a successor trustee can manage assets held in the trust if you become unable to manage them yourself.

There is also an important detail people sometimes miss:

A trust-based estate plan still includes a will.

A pour-over will can direct certain assets that were never transferred into the trust, and a will allows parents to nominate guardians for minor children.

Choosing between a will-based and trust-based plan depends on your family, assets, and goals.

The bigger question is whether the estate plan you have will work the way you expect when your family needs it.

Financial planning isn’t about having more strategies.It’s about reducing friction.You can have a great CPA, financial a...
08/31/2026

Financial planning isn’t about having more strategies.

It’s about reducing friction.

You can have a great CPA, financial advisor, estate attorney, retirement plan advisor, and insurance professional.

But good advice can still become disconnected when each professional is working with only one piece of your financial life.

A tax decision can affect your investment strategy.

An estate planning decision can affect your beneficiary designations.

Changes in your business can affect your retirement plan, insurance needs, and personal financial plan.

Each decision creates a ripple effect.

So how do you know if your financial life is actually integrated?

Start with three questions:

1. Have your advisors spoken to each other this year?
2. Does each advisor understand the major decisions being made in other areas of your financial life?
3. Is someone looking across the entire picture and asking how one decision could affect everything else?

If you can’t confidently answer those questions, that’s a useful place to start your next planning conversation.

You may already have the right people in place.

The next step is making sure they’re working together.

If you’d like to learn more, read our blog titled, Why Successful Business Owners Don’t Have a Tax Problem. They Have a Coordination Problem.

https://forefrontwealthpartners.com/why-successful-business-owners-dont-have-a-tax-problem-they-have-a-coordination-problem/

08/27/2026

10 years of Forefront Wealth Partners represents a commitment to being there for clients through every season of life.

Chris Marrone has had a front-row seat to the last five years of that journey.

He’s watched the team grow, the community of advisors expand, and the systems behind the business improve, all while helping Forefront continue to strengthen how it serves clients.

When Chris reflects on what 10 years of Forefront really represents, he comes back to the people.

The advisors who collaborate and help each other get better.

The team behind the scenes who supports the clients.

And the clients who trust their advisors to walk alongside them through some of the biggest decisions and transitions of their lives.

As Chris put it:
“We're there to be by their side and throughout their whole life and hopefully their kids and grandchildren too.”

That’s the kind of relationship we continue to build.

10 years in, we’re grateful for every client, advisor, and team member who has been part of the journey.
And we’re just getting started.

Before asking what your business is worth, figure out what you need it to accomplish.That's where your wealth gap comes ...
08/26/2026

Before asking what your business is worth, figure out what you need it to accomplish.

That's where your wealth gap comes in.

Your wealth gap is the difference between the personal wealth you have today and the financial resources you'll need to support the life you want after you exit your business.

You can start estimating yours in three steps:

First, define the future you're planning for.

Think about the lifestyle you want after business ownership and establish your net worth goal.

Second, calculate your current personal net worth.

For this exercise, leave the value of your business out of the calculation.

Third, calculate the difference.

Subtract your current personal net worth from your net worth goal.

That difference is your wealth gap.

Now you have a financial target your eventual business transition needs to help fund.

Knowing what your company is worth is useful.

Knowing what you need from it gives that number context.

If you’d like to learn more, read our blog Business Exit Planning: The Three Financial Gaps Every Business Owner Should Measure.

https://forefrontwealthpartners.com/business-exit-planning-the-three-financial-gaps-every-business-owner-should-measure/

When Teresa lost her job, her financial plan gave her something she needed immediately, breathing room.She was already c...
08/25/2026

When Teresa lost her job, her financial plan gave her something she needed immediately, breathing room.

She was already carrying a lot.

A contentious divorce.

Two young children.

A difficult work environment.

And her mother had recently been diagnosed with breast cancer.

After the job loss, Eric Negron, CEO of Forefront Wealth Partners, sat down with Teresa and looked at the financial picture she had spent years building.

She had more flexibility than she realized.

Together, they reviewed her monthly expenses, identified places she could adjust her spending, and talked through what the next season could look like financially.

That gave Teresa more space to be present with her family while she figured out her next career move.

She took her mom to appointments and cancer treatments.

She spent time with her kids.

She leaned on her professional network and eventually found a new role where she was much happier.

Sadly, Teresa's mother later passed away.

Teresa shared this with Eric:

“I don’t think I would have been able to get through this without your patience, endless support, and the confidence you gave me that I would be okay. Because of your encouragement, I got to spend the last twelve months of my mom’s life more present and able to show up for her the way she always showed up for our family.”

This is what integrated financial planning can look like.

Understanding your numbers.

Helping you understand your options.

Adjusting your plan as life changes.

And being there when the conversation becomes much bigger than money.

This is how we do life with you.

Your business can be successful and still fall short of what you need from it financially. Here’s how you can close that...
08/24/2026

Your business can be successful and still fall short of what you need from it financially. Here’s how you can close that gap.

Knowing what you need, what the business earns, and what it could be worth gives you a clear starting point.

Follow The Rule of Three.

It looks at three financial gaps:

1. Wealth Gap

The difference between your current personal net worth, excluding your business, and the amount you'll need to support the life you want after your transition.

2. Profit Gap

The difference between your company's adjusted profit and the profit of best-in-class businesses at a similar sales volume within your industry.

3. Value Gap

The difference between what your business is worth today and its potential value if it operated at a best-in-class profit margin and sold at a best-in-class market multiple.

Together, these numbers can show you:

Where you stand personally.

Where the business has room to improve.

And what your transition may need to accomplish financially.

A good place to start is getting these three numbers on paper.

They give you something objective to work from as you make decisions about the future of your business.

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

A financial audit uncovered $5,000 per month a client didn't realize they had.From the outside, they looked like they we...
08/20/2026

A financial audit uncovered $5,000 per month a client didn't realize they had.

From the outside, they looked like they were doing everything right.

Two successful careers.

More than $300,000 in household income.

Strong savings.

A growing investment portfolio.

But when one of our advisors, Melody Brady, looked at their complete financial picture, she found something that wasn't obvious from any single account.

There was an opportunity to improve cash flow by approximately $5,000 per month while still keeping the family on track to save about $115,000 per year, all without changing their lifestyle.

Instead of looking at each financial decision on its own, Melody evaluated how their equity compensation, taxes, cash flow, savings, and long-term goals worked together.

That's what integrated financial planning does.

It brings the entire financial picture into focus so each decision supports the next one.

The strongest financial plans begin by understanding how all the pieces fit together.

If you couldn’t be involved in your business tomorrow, what would happen next?Asking this question is one of the simples...
08/19/2026

If you couldn’t be involved in your business tomorrow, what would happen next?

Asking this question is one of the simplest ways to evaluate your exit plan.

A useful place to start is by reviewing your plan against the 5 Ds of business transitions:

Death: Are your beneficiaries current, and does your family know which advisors to contact?

Disability: Who has the authority and information needed to make decisions and keep the business operating?

Divorce: Do your agreements explain how ownership interests would be valued and handled?

Disagreement: Is there a clear process for a partner who wants or needs to leave the business?

Distress: Are backup systems, insurance coverage, and continuity plans in place for an operational disruption?

Choose one of these five areas this week and write down the instructions, documents, and contacts your family or leadership team would need.

That first page can become the foundation of your contingency playbook.

Our latest blog explains the 5 Ds and the steps business owners can take to prepare for each one.

https://forefrontwealthpartners.com/the-5-ds-of-business-transitions-how-to-prepare-your-business-for-the-unexpected/

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Austin, TX
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