The Simple Truth about Backdoor Roth IRA and Mega Backdoor Roth 401(k) Plans
Understanding the Basics: Backdoor Roth vs. Mega Backdoor Roth Every year, articles seem to pop up highlighting the Backdoor Roth IRA and Mega Backdoor Roth in 401(k) plans. Quite often they are framed as if the author has uncovered some secret, hidden loophole in the tax code. In reality, these strategies are well-established and, when […]
Exploring Tax-Efficient Sale Strategies for 2026
One of the more innovative planning opportunities created by the IRS Code in recent years is the Opportunity Zone legislation. Originally enacted in 2017 as part of the Tax Cuts and Job Act (TCJA), the program allowed taxpayers who realized eligible capital gains to reinvest those gains into a Qualified Opportunity Fund (QOF) and defer […]
Client Case Study: Strengthening Family Communication & Legacy
AC Family Office works to prioritize what matters most: the family as a whole. We help families improve communication across generations, align around shared values, and create a structure where wealth and decision-making can be carried forward as one family rather than separate individuals operating in parallel. In many cases, this work is as important […]
To Keep or Sell: Navigating the Future of Your Business
By Timothy Kneen For owners of profitable, closely held businesses, the decision to exit often pits immediate liquidity against the desire to continue running the business, the anxiety that comes from stepping away, and the concerns around long-term wealth preservation. While selling your business offers a lump-sum payout, it frequently results in significant tax liabilities, the […]
Protecting the Multi-Generational Legacy: Do I Need a Prenuptial Agreement When I Have an Irrevocable Trust?
Wealthy families often view the irrevocable trust as the gold standard of asset protection. Because the assets are technically owned by the trust and managed by a trustee, beneficiaries commonly assume these holdings are “untouchable” in the case of a divorce. However, modern matrimonial law is increasingly complex. For members of high-net-worth families, a prenuptial agreement, often […]
AC Family Office: A Year in Review
Meaningful Growth & Strategic Progress As we look ahead to the new year, we also take time to reflect on the year behind us. What stands out most is not simply progress, but the depth of the relationships that made it possible. 2025 was a meaningful year for our firm, defined by intentionality and the […]
Client Case Study: Maximizing Your Philanthropy
AC Family Office works to prioritize what matters most: the family as a whole. We help families improve communication across generations, align around shared values, and create a structure where wealth and decision-making can be carried forward as one family rather than separate individuals operating in parallel. In many cases, this work is as important […]
The Year Ahead: Ready for Change, Prepare for Success
The only constant in life is change. This timeless saying originates from the ancient Greek philosopher Heraclitus, and, no surprise, rings true in 2025. As we look at the year ahead, we can expect more shifts in market conditions and the broader economic landscape. As your investment managers, our goal is to prepare for these […]
2025 Outlook: From Market Fragility to Portfolio Durability
Key Observations As we wrap up the year, we reflect on the themes that carried out through 2024 leading to another strong year in the stock market. The Federal Reserve (the Fed) began to cut interest rates in September, which brought fixed income yields broadly lower from 2023. A soft landing for the economy added […]
Post Election Market & Economic Considerations
Post-Election Clarity Index Since 11/5 Election Day YTD Level S&P 500 4.98% 27.17% 5,966 DJIA 5.25% 18.50% 43,938 NASDAQ 6.09% 28.48% 19,197 Small Cap 8.16% 19.72% 2,389 International -0.73% 6.86% Emerging Markets (including China) -1.14% 12.33% As of November 12, 2024 Tax policy Broad Market Recovery Interest Rate Comparison – Beginning of Year to Now […]