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Many investors subject to relatively high marginal tax rates take advantage of tax-deferred vehicles such as IRAs and 401(k)s for their retirement savings. But those who hold the bulk of their liquid investments in taxable accounts that generate large distributions may still find themselves facing a large tax bill every year.

Tax-deferred variable annuity | Fidelity Investments Here's what you need to know about the benefits and considerations of tax-deferred annuities.

Happy Labor Day from WFY!

Today, we recognize and celebrate the dedication, hard work, and contributions of the professionals who help businesses, communities, and organizations thrive every day. Wishing everyone a safe and relaxing holiday.

The market capitalization of cryptocurrency grew tenfold from mid-2020 to its late-2025 high. Yet, crucial questions remain on the financial, regulatory, and tax treatment of digital assets.

Getting Crypto Tax Reform Right Means Prioritizing Neutrality Investment in digital assets, long thought of as a niche interest reserved for enthusiasts, has broken into the mainstream. In 2026, about one in five US adults report being invested in or using cryptocurrency.

Most estate plans written before this year that contain a formula funding clause are now doing something their authors never intended.

The One Big Beautiful Bill Act (OBBBA), signed in July 2025, set the federal estate, gift and generation-skipping transfer (GST) tax exemption permanently at $15 million per individual and $30 million for a married couple, effective Jan. 1, 2026.

We’re in the first year those numbers actually govern, and the year-end review season now underway is the last comfortable window to catch what they broke.

Formula Clause Fallout Three provisions need a fresh read.

U.S. President Donald Trump on Monday said that Congress should pass tax incentives for the ​entertainment industry to keep production in the country.

https://www.reuters.com/world/trump-urges-congress-pass-tax-incentives-entertainment-industry-2026-08-31/

Trump urges Congress to pass tax incentives for entertainment industry U.S. President Donald Trump on Monday said that Congress should pass tax incentives for the ​entertainment industry to keep production in the country.

Titans, we're coming your way!

Looking for a firm where you can grow professionally, make an impact, and enjoy the journey along the way? Visit Wright Ford Young at CSU Fullerton's upcoming events and meet the WFY team, explore career opportunities, and learn what it's like to build your future with one of Orange County's Best Places to Work. We can't wait to meet you!

Year-end giving should be intentional. Structuring contributions effectively can maximize both charitable impact and tax benefits.

Have you explored ways to maximize the tax benefits of your charitable contributions before year-end?

Note: Everyone’s financial situation is different. Contact a WFY advisor to discuss your financial plan.

Estate planning can be a neglected part of financial planning. It's easy to delay answering uncomfortable questions such as "What happens to my assets and my loved ones when I die?" So it's no surprise that roughly half of Americans don't have a will, and even fewer have an estate plan.

How many of us could benefit from a more sophisticated estate plan?

Estate planning: do you need one? | Fidelity Do you need an estate plan? Among the key issues to consider are children, the size of your estate, and privacy. Fidelity Viewpoints Key takeaways Anyone can benefit from having a basic estate plan including a will, financial durable power of attorney, and health care proxy. You may or may not need....

Educational Tax Credits and Deductions You Can Claim for Tax Year 2026

Several tax breaks can help you cover the high costs of education, future college expenses and interest you pay on student loans.

https://money.usnews.com/money/personal-finance/articles/a-guide-to-educational-tax-credits-and-deductions

Educational Tax Credits and Deductions You Can Claim for Tax Year 2024 Several tax breaks can help you cover the high costs of education, future college expenses and interest you pay on student loans.