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Entrepreneurs
Legacy Builders & Givers
Mid-Career Professionals
Pre-Retirees & Retirees
Blog
Contact
Client Login

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Financial Insights That Make Sense

This is where Chris Hilyer and David Ayala write about the questions clients are actually asking. Retirement planning, taxes, business ownership, charitable giving, and the rest of the moving pieces that come with a complicated financial life.

Person holding a glass jar filled with coins labeled Donate representing charitable giving and planned donations in retirement

Planned Giving in 2026: How the New Charitable Deduction Rules Change Your Giving Strategy

September 11, 2026

A man and a woman carrying golf bags walk together across a sunlit golf course at sunset.

Roth Conversions in 2026: The Window, the Math, and the Deadline

August 20, 2026

Do You Still Need an Estate Plan? What the $15 Million Exemption Actually Changed

July 9, 2026

Charitable Giving in 2026: What the New Tax Rules Mean and How to Plan Around Them

June 9, 2026

Social Security claiming strategy: how claim age affects your monthly benefit

When Should You Take Social Security? It Depends on More Than Your Age.

May 12, 2026

Your Taxes Are Filed. Here’s What to Do Next.

April 14, 2026

Our monthly newsletter goes deeper

Every month we share:

→ The questions they’re hearing most from clients
→ What’s on their radar for the month ahead
→ Timely strategies worth considering
→ Market insights and planning opportunities

It’s like being in the room during our team meetings-just delivered to your inbox.

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An independent financial planning practice in Phoenix, Arizona, affiliated with Raymond James Financial Services.

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5353 N 16th Street Suite 305 Phoenix, AZ 85016

602-883-4300

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The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. We take protecting your data and privacy very seriously. As of January 1, 2020, the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information. Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc. Heritage Wealth Solutions, LLC is not a registered broker/dealer and is independent of Raymond James Financial Services. Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Changes in tax laws or regulations may occur at any time and could substantially impact your situation. While we are familiar with the tax provisions of the issues presented herein, as Financial Advisors we are not qualified to render advice on tax or legal matters. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members. Raymond James Privacy Notice | Raymond James Legal Disclosures