For most of your working life, your largest financial burden was obvious: the  mortgage, the car payment, tuition or simply covering monthly expenses while building savings. But something quietly changes once you reach a certain level of financial success. The biggest drag on your wealth is no longer your spending — it’s your taxes.

A retirement trust is not a one-size-fits-all solution, but it can be a powerful planning tool for individuals with larger estates or specific goals for how their retirement assets should be handled after death. This strategy may be worth considering if any of the following situations apply.

Markets are hitting new highs, tax rules are shifting and gold and cryptocurrencies are grabbing attention. It’s no surprise many investors are asking, “What should I do now?”
At Prosperitus Wealth Advisors, we believe this is the perfect time to focus on strategy, not speculation. Here are three key themes shaping today’s conversations with our clients and how thoughtful planning can make a real difference.

Many of the most accomplished individuals utilized challenges as stepping stones to greatness. Christian E. Urbina, CFP®, President and Chief Investment Officer of Prosperitus Wealth Advisors, is one of those people who have been through adversity and turned it into motivation. His story is an inspiration for others to persevere in securing their financial futures. 

"People don't plan to fail; they fail to plan." - John Beckley

This quote is especially true in financial planning. For most people, it’s not that their plan doesn’t work, but that they lack a plan to begin with. Imagine a coach going into a game with no game plan – you wouldn’t expect a victory from their team.