Defined Outcome Investing (DOI) is about much more than picking the best funds. It’s a modern, evidence-based framework that blends three strategic “buckets”—each with a unique purpose—to create a portfolio that balances growth, protection, and behavioral discipline through all market cycles.  Perha...

Umbrella insurance is often treated as an afterthought or something you only need if you’re ultra-wealthy. But the truth is, for high-income families with assets to protect, it’s one of the simplest, most affordable ways to shield your wealth from serious risk.

And while standard umbrella policies ...

Social Security may seem like a fixed benefit, but the truth is that when you claim it can dramatically impact how much you receive. For high earners approaching retirement, this decision isn’t just about getting a paycheck, it’s about coordinating income, minimizing taxes, and making sure your reti...

Early retirement isn’t just for tech entrepreneurs or lottery winners. With the right structure and intentional planning, it’s entirely possible for high-income earners to step away from work on their terms, often earlier than they expected.

But reaching that point doesn’t happen by accident. It ta...

If you’re already thinking about your kids’ or grandkids’ education, a 529 plan probably came up early in the conversation. The tax-free growth, tax-free withdrawals for qualified expenses, and some estate planning perks all sound good on paper.

But for high-net-worth families, especially those wit...

On episode 28 of the WE Money Talk podcast, Terry Wheeler, a financial planner and estate attorney, takes a unique approach to financial planning by using the Titanic as a cautionary tale. He draws seven compelling lessons from the ship’s tragic story and applies them directly to your own financi...

Many people reach their 50s or 60s and wonder if life insurance is still necessary. Maybe the house is paid off. The kids are out of college. The retirement accounts are well-funded. It’s a fair question, but it’s not just about whether you need life insurance. It’s about whether it still plays a st...

Most people entering retirement are advised to stick with the basics—stocks for growth and bonds for safety. But recent years have made one thing clear: relying on old rules alone doesn’t always protect your nest egg. In periods like 2022 when stocks, bonds, and even real estate all dropped, many po...

You’ve spent years building your wealth through consistent saving, smart investing, and disciplined planning. But even the most careful financial plan can get thrown off course. Rising inflation, market volatility, interest rate spikes, and geopolitical conflict can ripple through your retirement po...

The 4th of July is a time for backyard BBQs, dazzling fireworks, and a powerful reminder of the freedom and independence our nation fought for. As we celebrate this profound concept on a grand scale, it's worth considering what "independence" truly means in our own lives, particularly when it comes ...

If you’re using a 529 plan to save for college or your student is receiving scholarships congrats! That’s a smart step toward reducing the cost of higher education. But here’s something many families don’t realize: the IRS plays a bigger role than you think in how those funds are taxed (or not taxed...

 Join Terry's new course today: https://www.tuitiontaxsecrets.com/

What if you could send your kids to college without sacrificing your financial future?

Many families find themselves caught in the middle of this challenge, but with the right approach, it’s entirely possible to balance both. ...