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Trapped by Promises: The Hidden Costs of Annuities and The Smarter Alternative
In nearly four decades as a financial advisor, I’ve seen my fair share of investment trends come and go. One product that’s often pitched with glowing promises but frequently leaves…
The Hidden Cost of Commissions: Why Fee-Only Advisors Win
Choosing the right financial advisor is vital for building wealth. Discover how fee-only and commission-based advisors differ and why it matters for your financial future.
Protecting Your Earnings During Lockout Periods
Lockout periods can freeze NIL athlete earnings, but strategic planning ensures wealth security. Ron McCoy, with 40+ years of fiduciary expertise, reveals how to protect your income from NCAA or…
The Hidden Costs of High‑Turnover Funds and How to Avoid Them
By understanding and addressing the hidden costs of high-turnover funds, investors can substantially enhance their long-term financial outcomes. At Freedom Capital Advisors, Ron McCoy guides his clients through these nuanced…
Estate‑Tax Planning: How to Protect Multi‑Million Dollar Legacies
Through strategic, informed estate-tax planning, Ron McCoy at Freedom Capital Advisors helps affluent clients significantly reduce or eliminate their estate tax burdens, ensuring their legacies remain intact and impactful across…
Using Health Savings Accounts for Tax‑Deferred Growth
Through strategic use and careful management, Health Savings Accounts can be powerful tools in affluent investors’ arsenals. Ron McCoy at Freedom Capital Advisors expertly integrates HSAs into comprehensive wealth management…
Harvesting Gains from Municipal Bonds Tax‑Free
Municipal bonds, often called “munis,” provide a powerful way for investors to earn income that’s typically exempt from federal taxes—and sometimes from state taxes as well. For high-net-worth individuals, knowing…
Optimizing Your Withdrawal Sequence in Retirement
For $1M+ investors, the withdrawal sequence in retirement can make or break your legacy. Ron McCoy, with 40+ years of market mastery, reveals how to strategically tap accounts to slash…
Timing Asset Sales: Avoiding Bracket Creep
Bracket creep can silently erode $1M+ portfolios through higher tax brackets. Ron McCoy, with 40+ years of fiduciary mastery, reveals how to time asset sales to dodge tax traps and…
How to Use Charitable Trusts to Slash Your Tax Bill
Charitable trusts are a tax-slaying weapon for $1M+ investors. Ron McCoy, with 40+ years of fiduciary expertise, unveils how to use CRTs and CLTs to slash your tax bill while…
5 Roth Conversion Strategies for High‑Income Investors
Roth conversions can transform $1M+ portfolios by cutting future taxes. Ron McCoy, with 40+ years of fiduciary mastery, reveals five strategies to optimize conversions for high-income investors, ensuring tax-free growth…
How to Set Outcome‑Based Objectives
Outcome-based objectives align $1M+ portfolios with financial goals, driving precision performance. These strategies, backed by 40+ years of fiduciary expertise, reveal how to set measurable targets to optimize returns and…