HIGHLAND Financial Advisors, LLC

The holiday season will soon pass, and for many, the joy of gift-giving has been overshadowed by a mounting credit card balance. As bills start rolling in, the temptation to explore a credit card balance transfer becomes increasingly attractive. But is this financial strategy a lifeline or a potential trap? #financialplanning #financialadvisor https://lnkd.in/geUVWgst

As the year-end holidays come into full swing, it is essential to remember to be mindful about holiday spending. With the savings and deals that pop up now and throughout the year, it is easy to get carried away. However, one must consider that impulsive spending may lead to post-purchase regrets. #financialadvisor #financialplanning https://lnkd.in/ea6TPztk

HIGHLAND Financial Advisors is excited to share that Edward J. Leach, CFP®, MBA, CEPA, has earned the Certified Exit Planning Advisor (CEPA) designation through the Exit Planning Institute (EPI). This education and experience strengthen HIGHLAND's ability to provide personalized wealth management to business owners as they navigate the complex planning process for their businesses' eventual transition. #financialadvisor #financialplanning https://lnkd.in/edfGcfuS

Choosing the right financial advisor is one of the most important decisions you'll make for your financial future. But with so many types of advisors and compensation structures, it can be challenging to know where to start. In this video, Reed Fraasa, a Certified Financial Planner® and founder of Highland Financial Advisors, breaks down the key differences between "fee-only" and "fee-based" financial advisors. #financialadvisor #financialplanning https://lnkd.in/gB6PJWJf

As 2025 approaches, significant updates to employer-sponsored retirement plans are set to impact how employees can save for retirement. These changes, including increased contribution limits and enhanced catch-up provisions, offer new opportunities to maximize tax-advantaged savings.  #financialadvisor #financialplanning https://lnkd.in/egGZ2-65

When building a financial plan, many people focus on investments, retirement accounts, and life insurance. However, one crucial component is often overlooked: disability insurance. Your ability to earn an income is your most significant financial asset. Protecting it is as vital as safeguarding your home, car, or retirement savings.  #financialadvisor #financialplanning https://lnkd.in/dNz6ep3i

Donating appreciated stock and equity compensation is a powerful way for savvy investors, pharmaceutical executives, and high-income earners to reduce tax liability while supporting meaningful causes. By leveraging appreciated assets like stocks or restricted stock units (RSUs), donors can avoid capital gains taxes, diversify their portfolios, and preserve liquidity for other financial needs. #financialadvisor #financialplanning https://lnkd.in/ejifsVRS

Mediation offers couples a dignified, collaborative path forward when life circumstances require critical legal decisions about their future. As a trained family law mediator, Zoe Cassotis guides New Jersey families through productive conversations that lead to thoughtful, mutually beneficial solutions. Her confidential mediation approach helps people maintain control of their decisions while saving time and money, creating positive outcomes that respect both parties' needs and values. https://lnkd.in/esEJWhjA

The current interest rate environment has driven many to explore high-yield money market accounts and certificates of deposit (CDs) as viable investment vehicles. With interest rates on these instruments at levels unseen in over a decade, it's easy to understand the appeal. However, there is an irony in using these vehicles as long-term investment strategies, especially when compared to the potential tax advantages the stock market offers. #financialplanning #financialadvisor https://lnkd.in/ewyh-9uz

Year-end review season can be an excellent opportunity for those in the workforce to receive feedback on your job performance and push your career forward. Sometimes, year-end conversations can create anxiety, especially if you plan to negotiate a promotion or pay raise and aren’t quite sure what direction the conversation will take. https://lnkd.in/e6rTt3hu