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Wealth Planning

Infographic titled “OBBBA Enacted July 4, 2025” from SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients, outlining tax categories: Standard Deduction Increases, Business Incentives, Itemized & Charitable Deductions, Education & Family, and Other Deductions.

The One Big Beautiful Bill Act (OBBBA): What You Need to Know

July 18, 2025

The New Bill – The OBBBA. We know it legally as H.R.1. This U.S. federal statute was signed into law on July 4, 2025 and is also known as The One Big Beautiful Bill Act.  It introduces sweeping tax and financial changes aimed at simplifying deductions, supporting families, and incentivizing education and business growth. The impacts are nuanced, client specific, and may be subject to income limitations, but you can expect SYM Financial Advisors to

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: Michelle Hipskind, CFP, Principal and Financial Advisor at SYM Financial Advisors.

Everyone Needs a Financial Plan

May 27, 2025

Recently SYM Financial Advisors’ very own Michelle Hipskind spoke with Business People Magazine. In her interview she outlines 5 steps to a solid, flexible plan that can make (or break) your financial future. Here are the basic steps to an effective financial plan.   Step 1: Realize You Need Help You can’t know what you don’t know. There will come a time when you’ve amassed sufficient funds through hard work or possibly inheritance, started or

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: the word “tax” formed from wooden blocks balanced on stacks of coins, with “2025 limits” above, representing the firm’s guidance on fiduciary planning.

2025 IRS limits announced

November 4, 2024

The IRS recently announced 2025 limits affecting retirement plans and other qualified savings vehicles. New in 2025, you could have a higher catch-up limit of $11,250 in your retirement plan (this is 150% of the normal catchup limit of $7,500) at ages 60, 61, 62, or 63. You will see the changes in bold in this quick reference.  For advice on tax planning, contact a SYM advisor. 2025 2024 401(k) Elective Deferrals $23,500 $23,000 401(k)

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A woman pointing at a series of numbered sticky notes floating in the air, representing the approach of SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients.

Prioritizing Various Types of Savings

July 11, 2024

Saving is a key element to financial planning. How do you know that you are saving in the right places at the right time? This visual provides guidance around how we at SYM Financial Advisors prioritize savings and investments with tax efficiency in mind.  Contact us to dive deeper and customize your financial plan. 800-888-7968.

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A clipboard with a document labeled LONG-TERM CARE INSURANCE rests on a desk next to a calculator and pen, as recommended by SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients.

Long Term Care Insurance: A New Overview

January 22, 2024

Much of today’s population will eventually require some form of long term medical or personal assistance care as they age. How these people receive and pay for services will drive their long term care (LTC) experience.  Even if you think you are well versed in the ins and outs of LTC, you might be surprised to know that long term care includes a surprising range of services and complexities. Long term care support may occur

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SYM Financial Advisors, an independent, commission-free fiduciary with 55+ years of serving clients: A SYM Financial Advisor in a suit hunches over while carrying a heavy stack of three large binders labeled “TAX.”

5 Estate Tax Mitigation Techniques You Should Consider

November 15, 2023

The Tax Cuts and Jobs Act In 2017, The Tax Cuts and Jobs Act doubled the amount that someone could pass to their heirs without incurring Federal estate tax. As a result, many families have enjoyed relief from the federal estate tax. In 2023, an individual can pass just under $13 million ($26 million for a couple) to their heirs without getting hit by the 40% federal estate tax. There is an important caveat note,

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