https://www.familyvest.com/blog/ Financial planning insights for families from FamilyVest. Retirement, special needs planning, wealth management, and more. en-us 2026-04-11T00:00:00.000+00:00 https://www.familyvest.com/blog/estate-plan-reset/ https://www.familyvest.com/blog/estate-plan-reset/ The federal estate tax exemption jumped to $15 million in 2026. Here is why that headline number matters less than you think. 2026-04-11T00:00:00.000+00:00 Estate Planning info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/able-account-vs-special-needs-trust/ https://www.familyvest.com/blog/able-account-vs-special-needs-trust/ Compare ABLE accounts and special needs trusts: contribution limits, tax treatment, Medicaid payback, housing rules, and when families should use both together. 2026-04-01T00:00:00.000+00:00 Special Needs Planning info@familyvest.com (Todd Sensing, CFA, CFP®, CEPA®, ChSNC®) https://www.familyvest.com/blog/rethinking-life-insurance/ https://www.familyvest.com/blog/rethinking-life-insurance/ Most families don't need permanent life insurance. Here's when they do, and how to tell the difference before signing anything. 2026-03-31T00:00:00.000+00:00 Financial Planning info@familyvest.com (Elliot Klein) https://www.familyvest.com/blog/el-nino-2026-hurricane-season-financial-planning/ https://www.familyvest.com/blog/el-nino-2026-hurricane-season-financial-planning/ El Nino is expected to shape the 2026 Atlantic hurricane season. Here is what that means for your insurance coverage, emergency reserves, and coastal property decisions. 2026-03-29T00:00:00.000+00:00 Risk Management info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/when-your-child-turns-18-special-needs-planning/ https://www.familyvest.com/blog/when-your-child-turns-18-special-needs-planning/ The transition to adulthood is one of the most complex moments in special needs planning. SSI, Medicaid, guardianship, housing waitlists -- the decisions compound fast. Here is what to expect and when to start. 2026-03-29T00:00:00.000+00:00 Special Needs Planning info@familyvest.com (Todd Sensing, CFA, CFP®, CEPA®, ChSNC®) https://www.familyvest.com/blog/special-needs-financial-planning-guide-florida/ https://www.familyvest.com/blog/special-needs-financial-planning-guide-florida/ A comprehensive guide to special needs financial planning covering trusts, ABLE accounts, government benefits coordination, guardianship, housing, and Florida-specific resources. 2026-03-28T00:00:00.000+00:00 Special Needs Planning info@familyvest.com (Todd Sensing, CFA, CFP®, CEPA®, ChSNC®) https://www.familyvest.com/blog/tsp-g-fund-explainer/ https://www.familyvest.com/blog/tsp-g-fund-explainer/ The TSP G Fund offers Treasury-backed stability with bond-like yields and no price volatility. Here's how it actually works, when it helps, and when it doesn't. 2026-03-28T00:00:00.000+00:00 Veterans & Military info@familyvest.com (Elliot Klein) https://www.familyvest.com/blog/fee-only-fiduciary-financial-advisor-destin/ https://www.familyvest.com/blog/fee-only-fiduciary-financial-advisor-destin/ What fee-only really means, how advisors get paid, what comprehensive planning includes, and how to evaluate a fiduciary advisor on the Emerald Coast. 2026-03-26T00:00:00.000+00:00 Financial Planning info@familyvest.com (Todd Sensing, CFA, CFP®, CEPA®, ChSNC®) https://www.familyvest.com/blog/va-home-loan-timing-career-transition/ https://www.familyvest.com/blog/va-home-loan-timing-career-transition/ Strategic timing guide for veterans deciding when to use their VA home loan benefit during career transition 2026-03-23T00:00:00.000+00:00 Veterans & Military info@familyvest.com (Elliot Klein) https://www.familyvest.com/blog/retirement-income-planning-destin-30a/ https://www.familyvest.com/blog/retirement-income-planning-destin-30a/ A coordinated approach to turning savings into sustainable retirement income for affluent households in Destin and along 30A. 2026-03-22T00:00:00.000+00:00 Retirement Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/business-exit-planning-guide/ https://www.familyvest.com/blog/business-exit-planning-guide/ Deep-dive exit planning guide covering the 3-5 year timeline, tax structures, personal readiness, and post-sale planning that most guides skip. 2026-03-21T00:00:00.000+00:00 Business Planning & Exits info@familyvest.com (Todd Sensing, CFA, CFP®, CEPA®, ChSNC®) https://www.familyvest.com/blog/tax-centric-retirement-planning-florida/ https://www.familyvest.com/blog/tax-centric-retirement-planning-florida/ A comprehensive guide to coordinating Roth conversions, IRMAA planning, QCDs, and withdrawal sequencing for Florida retirees. 2026-03-21T00:00:00.000+00:00 Retirement Planning info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/after-loss-toward-clarity/ https://www.familyvest.com/blog/after-loss-toward-clarity/ A step-by-step financial guide for surviving spouses over 60, covering the first 90 days, tax changes, Social Security, portfolio repositioning, estate updates, and income planning. 2026-03-19T00:00:00.000+00:00 Financial Planning info@familyvest.com (Todd Sensing, CFA, CFP®, CEPA®, ChSNC®) https://www.familyvest.com/blog/moving-to-florida-financial-planning-guide/ https://www.familyvest.com/blog/moving-to-florida-financial-planning-guide/ Planning a move to Florida? This comprehensive guide covers taxes, residency, domicile, insurance, retirement income, estate planning, and the financial mistakes relocators make most often. 2026-03-19T00:00:00.000+00:00 Financial Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/financial-planning-widows-60-plus/ https://www.familyvest.com/blog/financial-planning-widows-60-plus/ A comprehensive, step-by-step guide to the financial decisions widows over 60 face after losing a spouse. Covers the widow's tax penalty, Social Security survivor benefits, stepped-up basis, estate planning, and building a sustainable income plan. 2026-03-18T00:00:00.000+00:00 Retirement Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/401k-rollovers-to-an-ira-guide/ https://www.familyvest.com/blog/401k-rollovers-to-an-ira-guide/ Understand your 401(k) rollover options, the difference between direct and indirect rollovers, and when an IRA rollover is not the best move. 2026-03-17T00:00:00.000+00:00 Retirement Planning info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/529-to-able-rollovers/ https://www.familyvest.com/blog/529-to-able-rollovers/ How 529-to-ABLE rollovers work, including eligibility, limits, tax treatment, and planning strategies for families with disabled dependents. 2026-03-17T00:00:00.000+00:00 Special Needs Planning info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/diversifying-wealth-after-a-business-sale/ https://www.familyvest.com/blog/diversifying-wealth-after-a-business-sale/ Selling a business concentrates liquidity in a way that demands a plan. How owners move from one illiquid asset to a diversified personal financial picture — without the most common mistakes. 2026-03-17T00:00:00.000+00:00 Business Planning & Exits info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/estate-planning-retired-military-families/ https://www.familyvest.com/blog/estate-planning-retired-military-families/ A calm, planning-first guide to wills, trusts, beneficiary designations, powers of attorney, survivor documents, and family coordination for retired military households. 2026-03-17T00:00:00.000+00:00 Estate Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/financial-planning-for-business-owners/ https://www.familyvest.com/blog/financial-planning-for-business-owners/ A planning-first guide for business owners on cash flow, owner compensation, retirement plans, valuation, exit readiness, and long-term wealth stewardship. 2026-03-17T00:00:00.000+00:00 Business Planning & Exits info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/finding-your-beach-life-after-military-service/ https://www.familyvest.com/blog/finding-your-beach-life-after-military-service/ A warm, practical article for affluent military families using wealth intentionally after service—around purpose, pace, place, and the life they actually want. 2026-03-17T00:00:00.000+00:00 Retirement Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/gifting-philanthropy-legacy-planning-veterans/ https://www.familyvest.com/blog/gifting-philanthropy-legacy-planning-veterans/ When a family has more than enough, the next planning question is how to use that surplus well—for children, causes, community, and future generations. 2026-03-17T00:00:00.000+00:00 Estate Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/helping-adult-children-without-breaking-retirement/ https://www.familyvest.com/blog/helping-adult-children-without-breaking-retirement/ Affluent military families often want to help adult children generously. This guide helps you support them thoughtfully without turning a gift into a long-term planning problem. 2026-03-17T00:00:00.000+00:00 Financial Planning info@familyvest.com (Todd Sensing, CFA, CFP, CEPA, ChSNC) https://www.familyvest.com/blog/housing-options-adults-with-disabilities/ https://www.familyvest.com/blog/housing-options-adults-with-disabilities/ Financial planning guide to housing options for adults with disabilities, covering family home, supported living, group homes, Section 8, ABLE housing payments, and trust funding strategies. 2026-03-17T00:00:00.000+00:00 Special Needs Planning info@familyvest.com (Todd Sensing, CFA, CFP®) https://www.familyvest.com/blog/how-business-owners-should-coordinate-tax-estate-and-investment-planning/ https://www.familyvest.com/blog/how-business-owners-should-coordinate-tax-estate-and-investment-planning/ Owners often have fragmented advice. The most durable plans connect tax decisions, estate design, insurance, business equity, and long-term investing into one system. 2026-03-17T00:00:00.000+00:00 Business Planning & Exits info@familyvest.com (Todd Sensing, CFA, CFP®)