Saxony Advisors

12/15/2025

❌ Myth: Giving more than $19,000 triggers gift tax
✅ Reality: Most gifts are never taxed

The gift tax is one of the most misunderstood parts of personal finance. Larger gifts often result in no tax owed, and some types of support don’t count as gifts at all.

I break down what people commonly get wrong — and why the rules are far more flexible than you think.

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As we move deeper into the holiday season, I’m reminded of one financial topic that consistently confuses people: the federal gift tax. Every year, clients ask whether they can help a child with rent, contribute to a grandchild’s education, or give a meaningful financial gift without facing pena...

12/03/2025

Attention to those looking at retiring in the next 5 years!
Finding the right retirement income strategy can be difficult. Especially with the everchanging retirement landscape. What if Social Security runs out of money? What if taxes go up? What if the market crashes right after I retire?
These questions will be address in our Retirement Income Strategies Webinar on 12/17. Register today and reserve your spot. All attendees will receive a free copy of our Retirement Income Guide eBook, and all registrants will receive a copy of the recording. Sign up here!

Learn how different strategies can affect your retirement for good or for bad. We will discuss Social Security, Asset Allocation, Retirement Withdrawals, and Taxes in Retirement

10/07/2025

The latest report projects the Social Security trust fund could be depleted by 2033, with payroll taxes covering only about 77–81% of scheduled benefits thereafter.

For retirees and those planning to retire in the next decade, that’s not a reason to panic — but it is a reason to plan smarter. Running simulations and building multiple income streams can help ensure your retirement plan stays strong no matter what happens in Washington.

For nearly 90 years, Social Security has been the cornerstone of retirement income for millions of Americans. But with headlines about “trust fund depletion” and “program insolvency,” many people approaching retirement are asking: Will Social Security still be there for me? The answer is mor...

10/03/2025

A government shutdown can sound alarming, but here’s what it really means:

Federal offices may close or reduce hours, and “non-essential” services pause. Some federal workers may face furloughs or delayed pay, while places such as national parks and museums may shut their doors.

At the same time, many essential services continue, including Social Security and mail delivery.

Here’s a quick breakdown:
Federal offices close or reduce hours
“Non-essential” services paused
Some federal workers are furloughed or paid late
National parks and museums closed
Services like Social Security and mail continue

It’s a moment that can cause disruption, but it doesn’t mean everything stops. We'll be keeping an eye on these developments as they unfold.

09/04/2025

Learn how to scale wealth beyond income with smart tax strategies, lifestyle alignment, and long-term investment growth to build lasting financial success.

08/12/2025

President Donald Trump’s Aug. 7 executive order aimed at making it easier to include alternative assets such as private equity and cryptocurrency in 401(k) retirement plans has the potential to give savers access to bigger investment returns, but it also introduces more risk. Here's how that could...

08/06/2025

‘Fomo’ is powering today’s frothy asset prices — but the fear of loss may be about to take over.

08/05/2025

Rates have dropped to their lowest level since June

08/01/2025

Investor behavior is much more important than picking the right stock or fund.

07/16/2025

The US House of Representatives is debating bills that would set legal frameworks for cryptocurrencies. Bloomberg’s Zeke Faux joins Jackie Davalos on “Bloomberg Tech.”