Ryan Pinkerton-Financial Planner

Qualified Terminable Interest Property (QTIP) Trust (also called C Trust) A qualified terminable interest property (QTIP) trust is a type of marital trust used most often with a bypass trust to maximize the use of both spouses' applicable exclusion amounts (the amount that can be sheltered from federal gift and estate tax by the unified credit). Perhaps more importantly,....

Highlights From LPL Research’s Midyear Outlook 2026 In this special edition of Market Signals, LPL strategists share highlights from LPL Research’s Midyear Outlook 2026 publication released on July 7. They share key themes for stocks, bonds, and the economy that LPL Research believes will be determining factors of second half returns.

Charitable Lead Trust A charitable lead trust is a trust with both charitable and noncharitable beneficiaries. It is called a lead trust because the charity is entitled to the lead (or first) interest in the trust property, and the noncharitable beneficiary receives the remainder (or second-in-line) interest. The operati...

Travel Tips for Globetrotters Here are some suggestions to help international travelers keep their trips on track.

Marital and Related Trusts The term "marital and related trusts" refers to the several types of trusts that married individuals can establish to maximize use of their estate tax applicable exclusion amounts (the amount that can be sheltered from federal gift and estate tax by the unified credit) which, when combined with the....

Irrevocable Life Insurance Trust An irrevocable life insurance trust (ILIT), sometimes referred to as a wealth replacement trust, is a trust that is funded, at least in part, by life insurance policies or proceeds. If properly implemented, an ILIT can help minimize estate taxes and provide a source of liquid funds to your estate fo...

Tax Credits: Members of the Armed Forces The federal government provides tax relief to qualifying individuals in the form of tax credits. Tax credits are valuable because they are dollar-for-dollar reductions of your tax liability. In some cases, they may result in tax refunds. In general, the rules regarding tax credits are the same for m...

Which mortgage is better: fixed rate or adjustable? Here are some things to consider when deciding between a fixed rate or adjustable mortgage.

Retirement Income: 401(k) and Other Employer-Sponsored Retirement Plans During your working years, you've probably set aside funds in retirement accounts such as IRAs, 401(k)s, or other workplace savings plans, as well as in taxable accounts. As you approach retirement, you'll need to consider how to convert those savings into an ongoing income stream that will provide....

What's the Homestead Act? Many states have enacted their own homestead laws.