July 7, 2025
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Tax Planning
Why Charitable Giving Works Better When It Starts In September
September 17, 2026
Most charitable giving happens in the last three weeks of December, paid from cash and decided in a hurry. For households near retirement, the amount is rarely the hard part. Which dollars fund the gift is. Appreciated stock, a donor-advised fund, and a distribution straight from an IRA can send the same money to the same charity with very different results for the family.
Retirement Planning
A Family's Journey Through Colombia: Pink Dolphins, the Amazon, and the Andes
September 8, 2026
From pink river dolphins in the Amazon to Colombia’s Caribbean coast and Andean mountains, Marcela and her family experienced a country of remarkable contrasts. Their journey reminds us that retirement can be about more than slowing down; it can be the freedom to explore, experience something new, and say yes to the adventures you’ve been planning.
Tax Planning
Two Charitable Giving Changes Retirees Should Check This Year
September 1, 2026
A couple gives $6,000 a year, spread across twelve months and five organizations, and never needed a strategy for it. This year the arithmetic changed. One new rule takes a slice off the bottom of every itemizer's charitable deduction. Another hands a deduction to households that take the standard deduction. Which one applies depends on a question many retirees can no longer answer.
Retirement Planning
A Second Act, Painted by Hand: Larry and Ruthie's Story
August 27, 2026
For forty years, Larry looked closely at other people's vision as an optometrist in Elkin and across the Piedmont. Retirement gave those same habits somewhere else to go. Six-foot canvases in a galley kitchen. Colored pencil layered seven deep. Pickleball at 7 a.m. Dinner that actually looks like the picture. Larry and Ruthie, longtime Semmax clients, on what a second act can be built from.
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