Steven Twombly, Envision Strategies Powered by Prudential Advisors

It's not too soon to start planning for the tax season. It's much better to have a plan BEFORE the end of the tax year.

2026 Key Numbers Tax reference numbers at a glance.

There are many different options for highly appreciated assets. Don't hesitate to reach out to talk about the options.

Minimizing Taxes of Highly Appreciated Assets If the value of your stocks, bonds, or other capital investments has increased substantially, there are a few steps you can take to minimize taxation. These include timing the sale of your capital assets, using capital losses effectively, and passing assets to heirs at your death. In addition, you m...

Is a home equity loan a solution for paying for expenses? With my financial planning software, I can run the numbers with you to find out. Please reach out to me for a free analysis.

Should I take out a home equity loan to pay for my child's tuition? A home equity loan (often referred to as a second mortgage) is a loan for a fixed amount of money that must be repaid over a fixed term. Generally, a home equity loan:advances the full amount you borrow at the beginning of the loan's term, carries a fixed rate of interest, requires equal monthly pay...

People are moving to states with lower taxes. But what if you don't want to move? Many of us have families we want to stay close to. Let's talk to see how we might be able to overcome some of these tax situations.

Billions of AGI Shifting to Lower-Tax States IRS Migration Data show that taxpayers are moving from higher-tax states to lower-tax states.

What do you call a fish wearing a bowtie?
Sofishticated.

How can I figure out my net worth? The first step in the financial planning process should be to calculate your net worth.

Camp Fire Heartland's Summer Camp

This past summer Camp Fire provided summer day camp in Wyandotte County. Over 80% of the children who attended received scholarships. They did amazing projects, learned about STEM, and invented new things with e 3D printer. They took breaks to read books and play in nature. They experienced a kind of magic that only summer camp can provide.

Will you consider donating to our summer camp so that more children can access camp scholarships. For this week, if you donate at this link, your donation will be DOUBLED! So, if you can only donate $5, that's okay. We'll get $10!

https://givebutter.com/double-the-impact-for-camp-fire-heartland-piwhgh

Why did the math book look sad?
It had too many problems.

How long should I keep copies of my tax returns? Generally, you should keep your tax returns and supporting information for six to seven years.

What do you call cheese that isn't yours?
Nacho cheese.

What's the difference between a home equity line of credit and a second mortgage? A home equity loan is a loan that is secured by your home.

Why can't you trust stairs?
They're always up to something.

Should I choose a mortgage with no points and pay a higher interest rate, or should I put money toward points to lower the interest rate on a mortgage? Generally, the more points that you pay up front, the lower the interest rate on your mortgage.

Did you hear about the restaurant on the moon?
Great food, no atmosphere.

Am I liable for my spouse's debts? The general rule is that spouses are not responsible for each other's debts.