Palmer Wealth Group

06/03/2026

You did the work. You built something worth protecting. The last thing you want is to find out the plan you thought was solid has a gap you didn't see coming.

The estate tax rules changed last year. Many Texas families assumed that meant the planning conversation was over. It isn't. A spousal lifetime access trust can still be one of the more meaningful structures a married couple puts in place — but it comes with real risks worth understanding before you act.

We broke it all down: https://palmerwealthgroup.com/texas-slat-the-obbba-didnt-close-the-window/

Read the full article to see if this applies to your situation.

For informational purposes only. Not tax, legal, or investment advice.

Texas couples with $5–15M in appreciating assets: the OBBBA didn't close the SLAT planning window. Here's what the exemption doesn't protect.

06/02/2026

You built the business. You carry the policies. But what if the coverage you've relied on was never designed for the risks that actually threaten your organization?

Most business owners in the $5–$30 million range have solid operational coverage in place. What's often missing is protection against the institutional exposures — plan sponsor liability, management claims, key-person loss, and ownership transition gaps — that standard policies don't reach.

Our latest Insights article walks through four of those exposures and what a more coordinated approach to organizational risk can look like: https://palmerwealthgroup.com/the-business-liability-coverage-gaps-texas-executives-miss/

Read the full article at the link above.

For informational purposes only. Not legal, tax, or investment advice. Consult qualified professionals for guidance specific to your situation.

CGL and umbrella policies miss 4 critical business liability coverage gaps — ERISA, D&O, key-person risk, and buy-sell. See what's at stake.

05/25/2026

Some legacies are built on battlefields. Others are built at kitchen tables, in boardrooms, and across generations.

This Memorial Day, Palmer Wealth Group™ pauses to honor the men and women whose ultimate sacrifice gave us the freedom to build, dream, and plan for the future.

May we never take that freedom for granted — and may we always be worthy of it.

🇺🇸 Wishing you and your family a meaningful Memorial Day.

05/23/2026

Not all inheritances are gifts—some assets can burden your heirs with hidden costs and family feuds. Without careful planning, assets meant to help your family could instead become a burden:

Plan early: Work with an estate attorney to identify assets that may cause complications—like timeshares or businesses—and decide how to handle them.

Talk it out: Discuss your wishes with heirs now to prevent conflict and confusion later.

Keep it simple: Cash and investment accounts are easiest to divide and least likely to spark disputes.

Source: https://bit.ly/jqeljkhiTh

Leaving these assets to your loved ones may be more trouble than it’s worth. Here's how to avoid adding to their grief after you're gone.

05/21/2026

You built the business. You watch the numbers every quarter. But there's one line on the balance sheet most owners never look at strategically — the cash.

Not because it isn't significant. Because nobody has ever shown them a better approach.

Our latest Insights article walks through how mid-market business owners can apply an institutional cash management framework to their corporate reserves — including the tax considerations that make entity structure matter more than most advisors acknowledge.

Read the full article at https://palmerwealthgroup.com/your-corporate-cash-investment-strategy-what-texas-business-owners-get-wrong/

For informational purposes only. Not investment, tax, or legal advice. Consult qualified professionals regarding your specific situation. Securities offered through Commonwealth Financial Network®, Member FINRA/SIPC.

Texas business owners lose thousands yearly to idle cash. Learn how a tiered corporate cash investment strategy can grow reserves without tax risk.

05/18/2026

One hospitalization can put major pressure on a family’s savings, especially when aging parents don’t have the right health coverage. Before choosing a policy, here are a few details to check:

Access: Some rules now make it easier for seniors to apply, but premiums, exclusions, and conditions can still vary.

Fine print: Waiting periods, co-pays, and limits on hospital room coverage may leave families paying more than expected.

Claims: Advertised claim numbers don’t always show how policies perform for older adults specifically.

Source: https://bit.ly/4drUvor

You are sitting outside the operation theatre. One of your parents has just had a heart attack and needs open-heart surgery. The other is diabetic. Both are over 60. Neither has health insurance. One hospitalisation is all it takes to wipe out years of savings and disrupt every plan your family has....

05/13/2026

AI chatbots are becoming round-the-clock companions, but a friend who never disagrees may not be the friend you need. For teens especially, constant validation from AI could reinforce harmful thinking instead of helping challenge it. Read more: https://bit.ly/4uaEkDi

With AI becoming more embedded in daily life, building critical thinking skills and maintaining human connections may be key to ensuring it remains a helpful tool, rather than a harmful substitute, experts say on CNA’s Deep Dive podcast.

05/13/2026

Time isn’t moving faster, but routine can make it feel that way. New experiences, like taking a new route or having an interesting conversation, give your brain more moments to remember. Learn how small changes may help life feel fuller: https://bit.ly/4dkZ4Rk

Almost everyone over thirty has had the same disorienting thought. The year is ending again. The summer is gone. The decade just turned over and somehow nothing about the calendar feels like it lines up with how much actually happened. Time, the inner monologue insists, is moving faster than it used...

05/10/2026

Your grocery app may be charging you more than your neighbor for the same items based on your personal data. Maryland just became the first state to push back, and others are following suit. Learn about surveillance pricing and how new laws aim to stop it: https://bit.ly/49mx9zn

Maryland is the first state to ban grocery stores and delivery apps from changing prices based on shoppers' personal data. Several other states are looking to do the same.

05/07/2026

Trying to save money? Cutting the wrong corners could cost more over time.

Think long term: Delaying home or car maintenance can lead to much larger bills later.

Protect what matters: Cutting insurance coverage to lower premiums may create major financial risk.

Know when help pays off: Tax, legal, and financial professionals may help you avoid costly mistakes.

Learn 5 ways extreme cost-cutting can backfire: https://bit.ly/42kNWz8

Cutting costs can backfire. An expert explains how extreme frugality hurts your net worth, limits growth and exposes you to costly risks over time.