Joshua Gonzalez, CFP, Financial Adviser with Modern Wealth Strategies, LLC

06/09/2025

This article addresses what you should know as Congress considers pending estate tax legislation. It also offers strategies for you to consider.

The wording of any law that repeals or otherwise changes the federal estate tax could have an impact on all of us. Here's what you need to know, courtesy of an estate planning and tax attorney.

05/27/2025

Kids grow up fast—and so do education costs. On , take a moment to think about your family's future. Whether you're a parent or grandparent, a 529 plan is one of the best ways to invest in education with flexibility and tax advantages. Reach out to me, and let’s make a plan that helps their dreams become reality. https://nyl.co/4keY5Vm

05/16/2025

Estate planning can be complex and confusing. To help make it easier to understand, here are well thought out explanations, definitions and uses for some estate planning tools.

Sometimes industry jargon can turn otherwise understandable concepts into stumbling blocks. Here are simplified explanations, definitions and uses for some estate planning tools.

05/15/2025

Here are some valuable tips for first-time Medicare enrollees.

Enrolling in Medicare is notoriously complicated and can result in penalties if you get the timing wrong. Here are some valuable tips for first-timers.

05/13/2025

You can use trusts to cement your legacy, organize your estate and limit your exposure to estate and gift taxes. Learn about the different kinds of trusts.

You can use trusts to cement your legacy, organize your estate and limit your exposure to estate and gift taxes.

02/24/2025

What is the Social Security Fairness Act and what should public sector retirees know?

This Social Security Fairness Act checklist explains what public sector retirees can expect from SSFA, including how much more money they might receive.

12/30/2024

Here’s the scoop on deciding when to apply for your Social Security retirement benefits and rounding up all the documents you'll need when you do.

Don't unnecessarily delay or reduce your Social Security benefits because you don't know all the rules and requirements.

08/29/2024

The minimum credit score for a mortgage loan depends on the type of loan you’re applying for. Here’s how they work.

Understanding how lenders use credit scores can give you an edge when you apply for a mortgage loan.

08/01/2024

IRS issues new guidance for inherited IRAs, digital advertising taxes, wealth taxes, industry updates and more. Planning ahead can help with the unexpected.

Our latest edition of Tax Breaks. Plus: IRS issues new guidance for inherited IRAs, saying no to bad tax advice, digital advertising taxes, wealth taxes and more.

06/24/2024

For better or worse, finfluencers have dedicated followers across social media platforms. Before you take any financial guidance, ask these three questions.

For better or worse, finfluencers have dedicated followers on YouTube, TikTok and elsewhere. Before you take any financial advice, ask these three questions.

05/21/2024

On average, Americans appear to be managing their credit scores well, according to data from Equifax. Here's how it breaks down by age.