WealthCrossing

After a rocky Q1, markets rebounded sharply in the second quarter. A ceasefire between the U.S. and Iran in April helped calm oil prices and volatility. U.S. stocks climbed 15.52%, while bonds held relatively steady.

Beyond the headlines, economic resilience continued. Manufacturing expanded, services grew for two full years, and employment remained solid. Inflation eased sharply, bringing the trailing twelve-month figure to 3.5%.

The broader lesson remains familiar: markets move quickly on headlines, but a well-constructed plan built around your goals and time horizon is designed to absorb disruption. If recent events have prompted questions about your plan, let's review it together.



https://wealth-crossing.com/q2-2026-market-review-rmd-tax-management/

A great estate plan moves both money and values.

Through wills, trusts, and thoughtful instructions, you can communicate what matters most to your family and how you want your wealth to reflect your priorities. Structure creates clarity around your vision for the next generation. It transforms good intentions into a documented plan that endures.

When estate planning is paired with tax strategy and investment management, your legacy a lasting expression of what you stood for.

Building wealth is only part of the equation. Transferring it efficiently while preparing the next generation to steward it well requires thoughtful planning.

On September 24 at 11:00 AM EST, join Andrea Broughton, CPA, and Stephanie Stumpf, CPA, PFS, CFP®, CTFA, for "Wealth Transfer That Works: Trusts, Gifting & Family Governance."

In this 45-minute session, we'll explore advanced transfer strategies, trust selection, preparing heirs for stewardship, and coordinating your entire planning team. Whether your goal is supporting the next generation, protecting family assets, or creating a charitable legacy, this discussion will provide practical insights to help you approach wealth transfer with confidence.

Register now to secure your spot.



https://wealth-crossing.zoom.us/webinar/register/1017873173287/WN_Bu4Yw_oWTYeGRCiahugBUQ

Fee-only Financial Advisors, Planners, Tax & Investing in Richmond - WealthCrossing WealthCrossing is a fee-only financial advisor helping families confidently make financial decisions where planning, investments, & taxes intersect. Formerly SBK Financial, Inc.

RSUs, ISOs, NQSOs, and ESPPs. Many executives navigate these separately, missing the opportunity to coordinate them into a unified strategy. RSUs create immediate ordinary income and withholding. ISOs offer long-term capital gains potential but carry AMT complexity. ESPPs provide built-in discounts with holding period benefits.

When mapped into one plan alongside your overall tax strategy, bonus structures, and investment allocation, equity compensation becomes a powerful tool for building wealth efficiently. That's where planning creates value.

Read our recent blog from Dean Williams, CPA, CFP® to learn more: https://wealth-crossing.com/how-to-manage-stock-compensation/

Your RSUs vested. Your options are in the money. That also means a concentrated stock position, and a bigger tax question than you had last year.

Selling everything at once isn't always the answer, and neither is doing nothing. In our latest blog, we walk through 10b5-1 plans, exchange funds, direct indexing, and strategic gifting—four ways executives can cut concentration risk in a tax-efficient way. https://wealth-crossing.com/reducing-concentrated-stock-position-risk/

Concentrated Stock Position: How to Reduce the Risk - WealthCrossing Own a concentrated stock position from RSUs or options? Learn how executives can cut the risk with 10b5-1 plans, exchange funds, and tax-smart strategies.

Concentrated in your employer's stock? You're taking a risk you may not be paid to take.

When a significant portion of your wealth is tied to one company, you've lost the protective benefits of diversification. A market downturn, industry shift, or company-specific event can quickly erode years of wealth building.

Whether through RSUs, ISOs, or accumulated stock purchases, executives often end up overweight in employer shares without a deliberate plan to reduce concentration. Building a strategy to gradually diversify protects your financial security without requiring you to liquidate everything at once.

Let's talk about your concentration.

Your equity compensation is part of your pay. It deserves the same planning as the rest of your portfolio.

Too many executives treat equity compensation as a separate piece, disconnected from their overall financial strategy. But RSUs, ISOs, NQSOs, and ESPPs all carry significant tax implications and affect your wealth in different ways.

When equity becomes a material portion of your income and net worth, it needs to be coordinated with your investment allocation, tax strategy, and financial goals. That's where the real value emerges.

We're excited to share that Andrea Broughton, CEO and Founder of WealthCrossing, was recently featured on the RIA Edge Podcast discussing how WealthCrossing grew from an EY spinout to a $1.5B+ RIA.

Andrea shares insights on building a client-centered firm, the importance of integrated planning, and navigating the evolution of wealth management over the past two decades. Whether you're curious about our story or interested in what shapes our approach to serving clients, this conversation offers a behind-the-scenes look at WealthCrossing's journey and values.

Listen to the full interview here: https://www.wealthmanagement.com/ria-edge/ria-edge-podcast-how-wealthcrossing-grew-from-an-ey-spinout-to-a-1-5b-ria