HWM Insights

A cash balance plan is a tax-qualified defined benefit plan that lets a profitable business make retirement contributions for an owner far above 401(k) limits, often six figures a year depending on age, income,... >>

Every summer, the same advice circulates among business owners, put your kids on payroll. It's pitched as a tax move: shift income to a lower bracket, deduct the wages, save a few thousand dollars. That's accurate,... >>

Private credit has moved from an institutional asset class into vehicles increasingly offered to individual investors, often as a yield-oriented allocation alongside or in place of bonds. The case for the asset class... >>

By Jane Johnson, Business Transition Academy. Originally published at Business Transition Academy. Shared with permission. Editor's note: The following article was written by Jane Johnson, President and... >>

Selling a business is not primarily a question of valuation, buyers, or timing. Before any of that, there are five decisions that shape everything that follows: what the sale needs to accomplish, how much liquidity... >>

When Prices Move Before the Story Does The first quarter of 2026 didn't introduce a new problem. It forced markets to confront several existing ones at once: geopolitics, energy, inflation, and a Federal Reserve... >>

The financial side of divorce involves decisions around assets, taxes, insurance, and long-term planning that can have lasting consequences. Understanding what needs to be handled during the divorce process and what... >>

Succession planning for a family business should begin years before a transition. Early planning allows owners to coordinate leadership, ownership, and tax decisions while preserving flexibility and long-term... >>

Most retirement plans are built around a number. The harder problem is building a system that works once you stop earning. The final years before retirement are less about investment returns and more about how... >>