EverPar Advisors

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EverPar Advisors Our clients are typically established professionals, executives, and business owners. Securities and Exchange Commission (“SEC”).

At EverPar, we coordinate your investments, tax strategy, retirement planning, and estate planning into one cohesive financial plan that evolves with your life. EverPar Advisors LLC (“Everpar”) is a Registered Investment Advisor (“RIA”) with the U.S. Everpar provides investment advisory and related services for clients nationally. Everpar will maintain all applicable registration and licenses as required by the various states in which Everpar conducts business, as applicable. Everpar renders individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion.

10/07/2026

Leaving an IRA to your kids does not mean they get to stretch it out over their lifetime anymore. They have 10 years to take it all, and that changes the math on whether converting now makes sense.

Courtney Hoffman, CFP®, AAMS™, explains why converting usually wins if your children are high earners in their peak earning years, since that inherited IRA will come out at their rate, not yours, within that 10 year window. But if your kids earn less than you do, converting before you pass could mean paying a rate they would never have faced on their own.

Check out the full episode on Roth conversions on our YouTube channel.

10/05/2026

A Roth conversion can cost more than expected if it happens before age 65.

Courtney Hoffman, CFP®, AAMS™, walks through two constraints that catch people off guard: the ACA subsidy cliff, which competes directly with a health insurance subsidy, and the two year lookback that means a conversion at 63 can raise Medicare premiums at 65 through IRMAA.

She also flags the 0% capital gains bracket, since a conversion can push otherwise untaxed gains into the 15% bracket without it showing up anywhere obvious.

The full episode on Roth conversions is live on our YouTube channel.

10/01/2026

A surviving spouse can end up owing more tax on the exact same portfolio, and it has nothing to do with investment performance.

Courtney Hoffman, CFP®, AAMS™, breaks down why the 22% bracket starts around $50,000 for a single filer instead of $100,000 for a married couple, and why converting during the years both spouses are alive can buy the survivor some room before the brackets narrow.

Check out the full episode on Roth conversions on our YouTube channel or the full blog article link here: https://everpar.com/2026/09/30/roth-conversion-questions-before-you-convert/

09/01/2026

Today marks the three year anniversary of EverPar Advisors!

Thank you to our team for the care you bring to every client relationship, and to all of our client families for your trust and partnership.

Our name is a promise: Forever Partners. Three years in, we’re just getting started on that.

Here’s to the next generation of this work.

08/26/2026

If you're retiring before 65, healthcare costs could make your early retirement years more expensive than you'd expect.

For 2026, the ACA's enhanced premium tax credit expired, and the 400% poverty subsidy cliff is back.

For a couple in their early 60s buying a plan on the marketplace, premiums can run well into $2,000 a month. That's $24,000 a year, on top of whatever you actually need to live on.

To stay under the income threshold for those subsidies (about $85,000 for a couple), you have to keep your taxable income low.

That directly fights against doing Roth conversions, which usually work best when you intentionally realize more income.

You can't fully optimize for both at the same time. It's a trade-off you have to solve for in the planning process.

Ken Petrashek CFP ®, and Courtney Hoffman, CFP®, AAMS™ walk through exactly how they'd navigate this for a real client.

Check out our full case study!

08/24/2026

In a recent case study, we looked at a hypothetical couple, Dave and Susan, who have $1.5M sitting in pre-tax retirement accounts.

Dave's required withdrawals (RMDs) don't kick in until age 75, since he was born after 1959.

Those years between now and then, from age 61 to 74, are some of the most valuable years for tax planning he'll ever have.

The strategy: convert some of that money to Roth now, while he's in a lower tax bracket, instead of waiting until RMDs force bigger withdrawals later.

For a married couple filing jointly this year, the 12% tax bracket goes up to $100,800 in taxable income, plus a $32,200 standard deduction on top of that.

So there's real room to convert some of that $1.5M now and pay tax at 12% or 22%, rather than leaving it to grow and get taxed later at a rate you can't control.

That's the whole idea behind a Roth conversion window: pay a known, lower tax bill now to diffuse a bigger one later.

Watch the full video to see how Ken Petrashek CFP®, and Courtney Hoffman, CFP®, AAMS™ break this real-world case study down.

08/20/2026

It's common for people to want a dollar amount that means "you're safe to retire." Our experience tells us that's not really how it works.

The number doesn't tell you whether you can retire. The plan does.

Ask a CFP a question and you'll usually get the same answer: “It depends.” Not because we're dodging it, but because retirement has too many moving variables to boil down to one number.

Our job isn't to tell you what to do. It's to lay out the consequences of each option so you can make the call yourself. Some consequences are good, some aren't, but you're the one who lives with them.

That's why Ken Petrashek CFP ®, and Courtney Hoffman, CFP®, AAMS™ make content like this: an informed investor is a good investor.

Watch the full case study on our YouTube channel to see how this plays out for a hypothetical couple, Dave and Susan.

Concentrated stock positions can create complex decisions for investors considering diversification.EverPar’s David Elli...
08/17/2026

Concentrated stock positions can create complex decisions for investors considering diversification.

EverPar’s David Ellis recently joined investment professionals from Fidelis Capital and Waypoint West in Wealth Solutions Report to discuss how advisors can help clients navigate that process while considering potential tax implications.

From business ownership and equity compensation to holding a stock for decades, there are many reasons an investor may find themselves with significant wealth tied to one position.

Diversifying a concentrated position can require advisors to consider a range of factors, including the client’s broader financial circumstances and potential tax implications.

We’re proud to see David sharing his perspective alongside other industry professionals in this conversation.

Thanks to Jeff Berman and Wealth Solutions Report for including David in the discussion.

Read the full article: link in the comments.

We’re excited to share that EverPar’s David Ellis was featured in InvestmentNews!The article breaks down how the fixed i...
08/07/2026

We’re excited to share that EverPar’s David Ellis was featured in InvestmentNews!

The article breaks down how the fixed income market is reacting after the most divided Fed vote in years.

David's answer to “what now?” is, essentially, "We didn't have to reposition for hikes because we never repositioned for cuts…We build portfolios that don't require us to be right about the Fed. Our job is to make sure the client's plan works whether the hawks win that argument or lose it,"

We're proud to see David Ellis featured in InvestmentNews discussing our approach to fixed income investing.

His comments reflect EverPar's long-standing investment philosophy: building portfolios designed to help clients achieve their goals across a range of market and interest-rate environments.

Full piece by Gregg Greenberg - link in the comments!

07/22/2026

The Historic Rehabilitation Credit gets a lot of attention, but it is not the only transferable tax credit available in Oklahoma.

Oklahoma is an energy-producing state, and there are a number of energy-related credits that can be purchased by qualifying taxpayers, including the coal credit and others that have been added through state legislation over the years.

The landscape shifts as programs are added, modified, or sunset, which is exactly why staying current on what is available matters.

At Everpar, we work with a significant number of clients in the oil and gas industry, and this conversation comes up regularly.

When we identify someone who may be a fit, we bring in a CPA early so the planning is done right.

Our latest video with Courtney Hoffman, CFP®, AAMS™ and Shawn Alexander, CPA covers the full picture.

Visit the EverPar insights page at everpar.com for the full video.

Address

2431 E. 61st Street, Suite 825
Tulsa, OK
74136

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

Telephone

(918)2219290

Website

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