The G&R Journal
Practical perspectives on retirement, tax strategy, Roth conversions, and wealth management from our team.
Blog
The Base Wealth blog is where we teach you how to make smart decisions with your money, save more money, reduce taxes, and invest better.
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How to Plan Summer Travel Spending Without Losing Sight of Long-Term Goals
Learn how to budget for summer travel and stay aligned with savings, debt payoff, and other long-term financial goals.
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What to Review in Your 401(k) and IRA Contributions at Midyear
Review your 401(k) and IRA contributions at midyear to check pace, match, tax strategy, and year-end savings opportunities.
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Mid-Year Financial Checkup: How to Review Your Goals, Spending, and Savings by June 1
Use June 1 to review financial goals, spending, savings, and cash flow so the rest of the year reflects your priorities.
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Why Memorial Day Is the Perfect Time to Review Your Legacy Plan
Use Memorial Day as a prompt to review estate planning, beneficiaries, and family conversations that help protect your legacy.
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What to Save From This Tax Season and What You Can Toss
Learn which tax records to save, how long to keep them, and which papers you can safely toss after filing.
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Market Update and How to Read First Quarter Headlines Without Overreacting
Market update for clients on rates, inflation, earnings, and how to read first quarter headlines without overreacting.
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Tax Refund or Tax Bill? How to Use This Year’s Outcome to Improve Next Year’s Plan
Use this year’s tax refund or tax bill to adjust withholding, improve cash flow, and make smarter tax planning moves next year.
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When Headlines Get Loud, Your Plan Should Stay Quiet
Learn why noisy market headlines rarely require drastic action and how a quiet, goal‑focused financial plan can keep you grounded in volatility.
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Love and Money: A Guide to Building a Strong Financial Future Together
Learn how to merge finances, have constructive money talks, and build a strong financial future together without adding stress to your relationship.
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February 2026 Market Update: What Recent Moves Mean for Everyday Investors
See what February 2026 market moves, Fed policy, and inflation trends really mean for everyday investors and how to keep your plan grounded.
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10 Financial Mistakes Business Owners Make Before 50
Owning a business has a way of compressing time. You put your head down in your thirties and forties, focus on revenue and payroll, and then realize you’re closer to 60 than 40—and most of your net worth is tied to a company that depends on your energy, health, and presence. We work with many […]
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From Refunds to Withholding: Using Tax Season Insights to Strengthen Your Budget
Got a big tax refund or an unexpected bill? Learn how to use tax season insights to adjust withholding, improve cash flow, and help build a stronger budget.
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Making Charitable Giving Smarter: How Donor-Advised Funds Create Flexibility and Tax Efficiency
Donor-advised funds offer smart, flexible, and tax-efficient ways to give to charity—ideal for high earners, retirees, and strategic givers alike.
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5 Financial Pitfalls That Can Derail Your Retirement
Retirement isn’t just financial. Avoid common mistakes around spending, healthcare, and lifestyle to plan a retirement that’s joyful and sustainable.
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Avoiding Tax-Time Stress: A CFP’s Take on Getting Prepared
Get organized for tax season with key tips on documents, deadlines, contributions & planning—whether you’re filing solo or running a small business.
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Understanding the Corporate Transparency Act: What It Means for Your Business
Explore the Corporate Transparency Act's impact on businesses, compliance requirements, and key strategies to navigate the evolving regulatory landscape.
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Federal Reserve’s First Rate Cut in Four Years: Navigating Economic Growth Amid Slowing Inflation
The Federal Reserve cuts rates by 0.5% for the first time in four years, aiming to balance inflation control with steady economic growth.
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Discover how financial advisors can significantly enhance your portfolio's growth and stability over your lifetime.
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Investing in Market Resilience
Uncover market resilience, the risks of timing, and strategies for a robust portfolio. Dive into this guide for long-term investment success.
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Blockchain and Crypto: A Worthwhile Investment?
Understand the unique risks and potential rewards of investing in cryptocurrency and blockchain technology.
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The Benefits of the 1031 Exchange
A 1031 Exchange is a vital tool in optimizing your investment real estate tax strategy by deferring capital gains taxes until you're ready.
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How to Use a ROBS 401(K) - Rollovers as Business Startups
The ROBS 401(K) rollover may be your start-up's financing solution. But you should be aware of the potential issues it can cause.
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Diversifying your Deposit Accounts
To keep your funds safe, consider diversifying deposit accounts across banks and types, such as money markets, savings, and CDs!
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The Optimal Order of Investing
Is there an optimal order of investing? Interest rates on debt and kinds of investment accounts can impact the optimal order significantly.
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A Lakewood Ranch Retiree's Withdrawal Guide
In this article, we will confront some of the key issues future retirees face and how the unique challenges of the modern era have...
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5 Steps to Take Before Retiring in Lakewood Ranch
These five key steps are necessary to help ensure a happy and healthy retirement in Lakewood Ranch, Florida.
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retirement-planning-in-the-21st-century-the-biggest-changes-and-challenges
In this article, we will confront some of the key issues future retirees face and how the unique challenges of the modern era have...
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Realtors Should be Utilizing the Solo 401(K) - Here Are 3 Reasons Why
Realtors are often 1099 employees. Meaning that they aren’t officially employed by a company and don't qualify for an employer's 401(K).
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4 Reasons a Firefighter Might Need a Solo 401(K)
Due to the nature of their shift work, it is fairly common for firefighters to have side gigs and a 401(K) or other retirement account.
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Why Firefighters Should Purchase Private Life Insurance
Private Life Insurance can pay out much more than employer-provided Life Insurance, leaving your family well-provided for.
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Why Trying to Time the Market is Risky Business
Let's crunch some numbers and see why it's always a bad idea to try and time the market. Spoiler alert: We just can't.
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What You Need to Know About RSUs: Restricted Stock Units
Let's take a look at how Restricted Stock Units work, as well as how owning them may affect your financial plan going forward.
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Inflation: What It Means for Your Money
Inflation is a huge problem for investors. It's also one that many people don't know much about - and that's a concern.
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How to Make the Most of Your 401(k) Roth Contribution Options
Just setting financial goals probably won’t help you much. You need a plan, coupled with motivation, that gives you practical steps.
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Kick-Start Your Financial Plan for 2021!
Just setting financial goals won’t help you much. You need a 2021 financial plan, coupled with motivation, that gives you practical steps.
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Are You Overlooking this Key Benefit of the Roth 401(k)?
For those that have access to it, the Roth 401(k) is one of, if not the absolute best account you can save money in.
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Don’t Make These Common Mistakes When Refinancing for a Lower Rate
A look at the top mistakes most homeowners make when refinancing their homes to help you understand what to watch out for.
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3 Mistakes First Responders Might Make with Their DROP Plan
A look at 3 possible mistakes with your DROP Plan (Deferred Option Retirement Program) as a FireFighter, Police Officer, or First Responder.
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