The Lindberg & Ripple Knowledge Base

The recently enacted “One Big Beautiful Bill” (OBBB) has permanently reshaped the estate planning landscape for high-net-worth individuals and families. With federal estate, gift, and generation-skipping transfer (GST) tax exemptions now locked in at $15 million per individual ($30 million per married couple), this legislation delivers both clarity and urgency. The implications of the OBBB […]

Charitable giving has always been a powerful expression of personal values, community support, and family legacy. Today, affluent families and business owners are seeking more strategic ways to give—methods that align with long-term financial goals while creating meaningful impact. Fortunately, modern philanthropic tools allow donors to structure their giving with precision, flexibility, and tax efficiency. […]

The Hidden Risks in High-Complexity Balance Sheets — and How to Manage Them For many high-net-worth families and executives, wealth does not sit neatly in a single portfolio. It is spread across business interests, real estate, insurance structures, trusts, alternative investments, and long-term commitments. And while complexity often signals success, it also introduces hidden risks […]

Why Every Executive Should Review Their Planning Team, Not Just Their Portfolio Executives are accustomed to reviewing performance. Portfolios, business units, strategic plans, and budgets all receive regular attention. Yet one area that often goes unexamined is the team of advisors who support an executive’s financial life. As careers advance and wealth grows, financial complexity […]

Creating Clarity Around Family Wealth: Communication Strategies for Multi-Generation Success Significant wealth brings opportunities, but it also brings complexity. Families often focus on managing assets, yet overlook the importance of communicating values, intentions, and long-term goals. Without a clear structure for sharing information, misunderstandings can develop, expectations can diverge, and future generations may feel unprepared […]

Navigating Sudden Wealth: How to Build a Thoughtful, Long-Term Plan Sudden wealth does not always feel sudden. For many executives and professionals, it is the result of years—sometimes decades—of hard work, career growth, and strategic decisions. But when income accelerates quickly or a major liquidity event occurs, the financial landscape can shift overnight. What once […]

Blockchain, Crypto, and the Future of Money: What Investors Really Need to Know Cryptocurrency conversations often jump straight into price predictions, market volatility, or the latest headline. But to truly understand whether digital assets deserve space in a portfolio, it’s important to step back—way back—and look at how money itself evolved. From Bartering to Banking: […]

The final quarter of the year offers an important opportunity to strengthen your financial position before the calendar resets. Proactive year-end planning…

Private equity consolidation in healthcare is accelerating. For many medical and dental professionals, this wave of acquisitions represents both opportunity and risk.

In an age when nearly every financial transaction, document, and communication occurs online, cybersecurity has become a central component of wealth preservation.

On July 4, 2025, the One Big Beautiful Bill Act became law. This wide‑ranging legislation affects taxes, deductions, credits, and other provisions that may have a direct impact on your financial strategy. At Lindberg & Ripple, we have seen how shifts in tax law can create both opportunities and challenges. While headlines often focus on a few […]

Advancements in healthcare, nutrition, and medical technology have made it increasingly common for individuals to live well into their 90s—and beyond. As life expectancy rises, so do the financial implications of a longer retirement. Planning for a 100-year life is no longer a fringe concept. It is becoming the new reality for families who want […]

For many high-net-worth individuals and families, wealth planning tends to focus on asset growth, tax efficiency, and legacy creation. While these elements are essential, there is another equally critical area that often goes overlooked: incapacity planning. The reality is that cognitive decline, medical emergencies, or unexpected accidents can affect anyone at any time. Without a […]

Did you know that Connecticut businesses could face fines of up to $1,500 per employee for not complying with the state’s retirement mandate? In fact, if you have five or more employees and do not offer a retirement plan, you are required to register for MyCTSavings or certify your exemption. MyCTSavings is designed to make […]

The rise of artificial intelligence (AI) has transformed nearly every sector of the global economy, and wealth management is no exception. From robo-advisors to AI-driven portfolio optimizers and tax-loss harvesting tools, technology has become a powerful force in financial planning and investing. These tools offer speed, efficiency, and the ability to analyze vast amounts of […]

Geopolitical conflict is unsettling. It can trigger fear, dominate headlines, and cause sudden drops in the market. Investors understandably worry about what war, terrorism, or political instability may mean for their portfolios. However, history offers a clear and consistent lesson: while markets may react sharply in the short term, they have shown remarkable resilience over […]

We are monitoring a major development in federal tax policy: H.R. 1—nicknamed the “One Big Beautiful Bill Act”—has cleared both chambers of Congress and is headed to the White House for signature. What It Does What It Does Not Change Why This Might Matter To You What You Should Do Now Bottom line: If signed into […]

In a market defined by volatility, uncertainty, and ever-changing headlines, it is easy for investors to get caught up chasing the latest trends or focusing solely on domestic markets. However, time-tested strategies often prove to be the most resilient—and few strategies have stood the test of time like the classic 60/40 portfolio. A 60/40 portfolio […]

In today’s volatile market environment, diversification remains a cornerstone of prudent investing. Recent market data underscores the importance of spreading investments across various sectors to mitigate risk and enhance potential returns.​ The Tech Sector’s Outsized Influence A glance at the S&P 500 heat map reveals that while many sectors are experiencing modest gains or slight […]

The recent DFA meeting shed light on an important market narrative—one that often gets misinterpreted. While growth stocks have had

At a recent lunch with investors, the conversation turned to AI ETFs and the parallels to past investment booms.

In today’s fast-moving world, it is easy to get caught up in the latest headlines. A major political announcement can send markets swinging, and…

With the election results in, many are wondering how estate planning strategies might change in 2025. The good news? You can move forward with…

Estate planning is about more than just drafting documents—it’s about ensuring your wealth is distributed exactly as you intend. The challenge…

Every year, financial analysts, economists, and asset managers make bold predictions about where the market will head in the next…

In the world of investing, the price you pay can make or break your portfolio. This timeless…

As we approach 2025, tax policy is shaping up to be a key focus in Washington. With significant provisions of…

When thinking about ways to access liquidity during financial emergencies or to fund significant life events, borrowing against the cash value of your…

As a high-net-worth individual, your financial plan likely extends beyond your personal wealth management. It is also about…

In an era of increasing market volatility, the concept of diversification remains one of the most important…

When it comes to estate planning, trusts are a powerful tool to ensure that your assets are managed and distributed according to…

When it comes to estate planning, trusts are a powerful tool to ensure that your assets are managed and distributed according to…

At Lindberg & Ripple, we often emphasize the importance of a long-term investment strategy. The reason is simple: the stock market is inherently…

At Lindberg & Ripple, we believe that true wealth extends beyond financial success—it’s also about…

Each year ushers in legislative and regulatory adjustments that impact key financial planning areas, such as retirement account contribution limits, tax brackets, Roth IRA…

In the ever-evolving financial landscape, cash management has become a critical aspect of wealth preservation and growth. With banks and…

In today’s competitive business environment, attracting and retaining top talent is paramount. Offering a comprehensive employee benefits package, including a robust retirement plan…

In the dynamic world of personal finance, life insurance plays a pivotal role, yet many overlook it due to perceived complexities in the application process.

In today’s digital age, where financial transactions and sensitive information are increasingly conducted online, the role of cybersecurity in financial advisory services cannot be overstated.

In the ever-evolving landscape of the economy, one thing remains constant: the power of human ingenuity to overcome obstacles and drive progress.

In the wake of the Covid-19 pandemic, private equity funds seized opportunities amidst market uncertainties, investing in companies with high valuations.

A tax increase for those who make over $1 million. But there are ways to reduce the impact.

Investors with generational wealth to grow and nurture need to ensure they have balanced portfolios that….

Investors with generational wealth to grow and nurture need to ensure they have balanced portfolios that….

Investors with generational wealth to grow and nurture need to ensure they have balanced portfolios that….

The Florida Community Property Trust Act can help shield your property from capital gains…

What if someone told you there was a life insurance product that not only insured your life, but could also save it? Would you consider that product over others?

With the Secure 2.0 Act now signed into law, it’s worth taking some time to understand the provisions that could help boost your retirement prospects.

One of the benefits of being a long-time leader in life insurance industry is the opportunity to meet with our elected leaders to discuss trends and the current state…

Learn why bond values change, the factors causing recent volatility, and why bonds remain an important part of a balanced investment portfolio.

M Financial’s 2022 Magnet Summit marked the third year since the launch of the Magnet program in 2019.

Because the stock market is a leading economic indicator, taking a strategic view when investing makes more sense than trying to time the dips and peaks Many economists agree that the stock market is a leading economic indicator rather than a lagging or current one, as stocks tend to be forward-looking. The market leads by […]

Learn why the “backdoor” Roth IRA, a popular strategy for some high-wealth investors, became a focus of tax reform efforts.

Learn why some investors look beyond the traditional portfolio mix and toward alternative investment vehicles and why this carries unique risks.

Learn about the impact Robinhood and similar retail investment platforms have had on investors, regulators, and the financial markets.

Borrowing against a portfolio of stocks and bonds can be a relevant financial & tax strategy, but it is not without risk

Learn why Real Estate Investment Trusts (REITs) could be considered an attractive investment and how proposed tax reforms could impact them.

Learn why some experts fear inflation will reach record highs and what rising rates could mean for investments.

Learn why Warren Buffet, among other market watchers, advise investing in the S&P 500 index fund over “trendier” stocks.

Learn why bonds have fallen out of favor among some investors who fear rising interest rates and inflation, and if their concerns are justified.

Donating appreciated stocks can provide numerous benefits. Learn how this charitable gift can reduce your tax burden.

Receiving world-class financial advice relies on specific, crucial professional qualities. Learn what they are:

Learn about high and low liquidity levels and what each could mean for your current and future portfolio decisions. Think of assets as ice and money like water, and you’re getting the gist of liquidity.

A history of wealth is no guarantee that it will survive the next generation. Know the risks to create more durable assets. The greatest wealth transfer in history is afoot. The next decade will see around $68 trillion passed from one…

Many wealthy individuals hold concentrated asset positions, but this strategy requires great risk awareness. Concentrated assets rightly set off some alarm bells by challenging the golden rule of diversification.

Securities can take various forms, and each has certain benefits, drawbacks, details, and applications. Knowing the difference…

How close should an investor’s finger be to the pulse of their assets? As always in wealth management, the answer relies heavily on the individual’s circumstances and preferences alongside some tried and tested practices.

The things that should end with a career are stress and traffic—income must maintain a steady flow for a comfortable and secure retirement.

Achieving optimal allocation is a key investor goal, but what constitutes “optimal” is a diverse variable not only between individuals but often for the same individual over time…

Capital gains taxes can take a massive bite out of the returns on highly appreciated assets. Capital gains, of course, are the amount by which…

Estate distributions are about more than money and assets—and wealthy individuals may find it difficult to form a long-term strategy that’s fair to everyone.

It’s a sad reality that estrangement and divorce can sour relationships with loved ones and impact family wealth. Taxes can also significantly impact…

People are living longer, leaving many with more time than money. Learn why this can be a double-edged sword for the wealthy…

Retirement planning offers many options for peace of mind. Spotlighting the 401(k), 403(b), and 457(f) and how a plan manager can help. 401(k)s, 403(b)s, and 457(f)s are vital tools for retirement planners. Some plans are…

Michael Silverberg is a Senior Advisor at Lindberg & Ripple. Listen to him speak on the M Financial Podcast “Inside Voices: Be Dedicated to Your Clients and Everything will Fall into Place.”

It’s important to understand the GST tax (Generation-Skipping Transfer tax) in the context of the Tax Cuts and Jobs Act (TCJA). Since it’s passing, the TCJA has led to significant changes…

The secret to investing in alternative investments without a supersized tax bite Private Placement Life Insurance (PPLI) products are fast becoming the strategy…

People with large estates have an unprecedented – but temporary – opportunity to transfer a substantial amount of wealth to their loved ones without incurring transfer taxes. Lindberg & Ripple reveals why families should take advantage of these higher gift tax limits now for estate planning.

“Time is money” is a neat summation of tax-deferred investment accounts. Discover how to generate these savings and why the longer investors wait, the better.

Taxes are typically inevitable. However, there are ways to delay the inevitable and accumulate more significant wealth in the process.

Why a globally-diversified portfolio can help you weather the short-term ups and downs of investing.
Nobel Prize-winning economist Harry Markowitz famously called diversification the only “free lunch” in finance.