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Read more about the article Umbrella Insurance for Asset Protection

Umbrella Insurance for Asset Protection

  • Post author:Beau Ruff
  • Post published:May 19, 2023
  • Post category:Asset Protection/Estate Planning/Financial Planning/Insurance/Real Estate

In the world of asset protection, one well-known concept to mitigate risk is to transfer the obligation for payment of a valid claim to another person. This risk mitigation is…

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Read more about the article Washington Capital Gains Tax is Here to Stay

Washington Capital Gains Tax is Here to Stay

  • Post author:Beau Ruff
  • Post published:May 19, 2023
  • Post category:Business Owners/ Executives/Charities/Investing/Legal/Taxation

On March 24, 2023, the Washington State Supreme Court released its long-awaited opinion upholding the constitutionality of the new Washington Capital Gains Tax in Quinn v. State of Washington.  Accordingly,…

Continue ReadingWashington Capital Gains Tax is Here to Stay
Read more about the article Special Needs Trust for Disabled Children

Special Needs Trust for Disabled Children

  • Post author:Beau Ruff
  • Post published:May 19, 2023
  • Post category:Asset Protection/Estate Planning/Family/Gifting/Legal

Diversity comes in many forms and many related ways of accommodating different needs. When parents are planning for the needs of children with disabilities, a product that should be considered…

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Read more about the article 529 College Savings Conversion to Roth IRA

529 College Savings Conversion to Roth IRA

  • Post author:Beau Ruff
  • Post published:May 19, 2023
  • Post category:Education/Family/Financial Planning/Investing/Taxation

Transferring wealth to children will become a touch easier in 2024. Buried in the estimated 4000-page Consolidated Appropriation Act of 2023 that passed at the end of 2022, was the…

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Read more about the article Be Prepared to Take Beneficiary IRA Distributions in 2023

Be Prepared to Take Beneficiary IRA Distributions in 2023

  • Post author:Beau Ruff
  • Post published:January 11, 2023
  • Post category:Account Resources/Estate Planning/Gifting/Investing/Taxation

In 2019, The SECURE Act changed the rules concerning the distributions from pre-tax Individual Retirement Accounts (IRAs) inherited through beneficiary designation (a so-called “Beneficiary IRA”). As with many such changes…

Continue ReadingBe Prepared to Take Beneficiary IRA Distributions in 2023
Read more about the article Prenuptial Agreements 

Prenuptial Agreements 

  • Post author:Beau Ruff
  • Post published:January 9, 2023
  • Post category:Asset Protection/Estate Planning/Family/Legal

Couples are often wary to bring up the dreaded P word when discussing their nuptials. After all, who wants to ostensibly discuss a divorce when there is an impending marriage…

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Read more about the article Per Stirpes or Pro Rata? You probably want Per Stirpes

Per Stirpes or Pro Rata? You probably want Per Stirpes

  • Post author:Beau Ruff
  • Post published:December 1, 2022
  • Post category:Account Resources/Estate Planning/Family/Insurance/Investing/Legal

Periodically checking and updating beneficiary designations on retirement accounts and life insurance is prudent. The next time you navigate the online portal or the old school paper form to write…

Continue ReadingPer Stirpes or Pro Rata? You probably want Per Stirpes
Read more about the article New Washington Nonprofit Act

New Washington Nonprofit Act

  • Post author:Beau Ruff
  • Post published:November 1, 2022
  • Post category:Charities/Legal

Different business entities like corporations and limited liability companies are governed by default laws published by state legislatures. Nonprofits in Washington are similarly governed by specific statutory requirements that govern…

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Read more about the article How to Avoid the Death Tax

How to Avoid the Death Tax

  • Post author:Beau Ruff
  • Post published:October 1, 2022
  • Post category:Estate Planning/Financial Planning/Gifting/Taxation

As Benjamin Franklin once said, “In this world nothing can be said to be certain, except death and taxes.” Taxes come in a wide variety of flavors (e.g., income taxes,…

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Read more about the article Rethinking Asset Protection

Rethinking Asset Protection

  • Post author:Beau Ruff
  • Post published:September 1, 2022
  • Post category:Estate Planning/Insurance

Some readers have heard of personal asset protection strategies like trusts or limited liability companies. The draw to products like these is the supposed promise that your personal assets can…

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© Copyright 2023. All Rights Reserved.
Securities offered through LPL Financial, Member FINRA/SIPC. Investment Advice offered through Cornerstone Wealth Strategies, Inc.,
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* Beau Ruff, J.D., LL.M in Taxation, is a licensed, not practicing, lawyer

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  • (509) 396-0588
  • 8905 W. Gage Blvd. Suite 110 Kennewick WA 99336
  • info@cswsteam.com
  • Home
  • Who We Are
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    • Our Team
    • Our Community Impact
    • Our Accolades
  • What We Do
    • The Cornerstone Approach
    • Our Investment Philosophy
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  • Services
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  • Home
  • Who We Are
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  • What We Do
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    • Our Investment Philosophy
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