April 2026
Spring Into Smarter Decisions
As spring unfolds, it brings a natural opportunity to reassess, refine, and move forward with intention, financially and strategically. This issue highlights key financial considerations, from managing rising costs to making informed structural decisions, so you can stay prepared, and on track for the months ahead. Here’s to making informed decisions and staying ahead this spring.
In This Issue:
- Healthcare costs for the self-employed in 2026: strategies for rising premiums
- When unequal cash creates unequal risk: disproportionate distributions in S-corps
- Why estate taxes aren’t the only inheritance-related costs to consider
- Your HSA isn’t a debit card: building a tax efficient healthcare reserve
Healthcare costs for the self-employed in 2026: strategies for rising premiums
With the expiration of expanded ACA subsidies in 2026, self-employed professionals are facing significant premium increases with no employer to share the burden. While healthcare costs are rising, strategic planning can help reduce your total cost. The key is treating healthcare like any other business expense – strategically, proactively, and with tax efficiency in mind.
When unequal cash creates unequal risk: disproportionate distributions in S-corps
Disproportionate distributions in S corporations can trigger unintended tax consequences and even loss of S status. Learn where the risks arise and how strategic planning can preserve compliance while achieving unequal economic outcomes.
Why estate taxes aren’t the only inheritance-related costs to consider
Estate planning discussions often focus on the federal estate tax exemption, but most families face different challenges when transferring wealth. Probate fees, state-level taxes, capital gains exposure, and administrative complexity can all erode inheritances – even for estates well below the federal threshold. A comprehensive estate plan addresses these hidden costs, not just headline tax numbers.
Your HSA isn’t a debit card: building a tax efficient healthcare reserve
Most people use their HSA like a medical debit card, but the account is capable of much more. With a rare triple tax advantage and flexible reimbursement rules, the HSA can serve as a powerful long-term healthcare reserve. Read on to learn how to make the most of it.
