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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…

Continue ReadingSpecial Needs Trust for Disabled Children
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…

Continue Reading529 College Savings Conversion to Roth IRA
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 Co-Signing Liability

Co-Signing Liability

  • Post author:Beau Ruff
  • Post published:July 1, 2022
  • Post category:Family/Legal/Taxation

On occasion, you or someone you know might be asked to co-sign a financial obligation for the purchase of a car or a house or the lease of an apartment…

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Read more about the article Selling the Family Business to Children

Selling the Family Business to Children

  • Post author:Beau Ruff
  • Post published:June 6, 2022
  • Post category:Business Owners/ Executives/Estate Planning/Family/Gifting/Taxation

Parents that have built a successful business and have raised capable children might find the proposition of selling the family business to the children compelling. As with so many decisions…

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Read more about the article How Do Blended Families Structure Their Wills?
beautiful young family hand in hand walking in park

How Do Blended Families Structure Their Wills?

  • Post author:Beau Ruff
  • Post published:May 23, 2022
  • Post category:Estate Planning/Family

When people come together and vow to spend the rest of their lives together in wedded bliss, they sometimes bring to the relationship a child or children from a previous…

Continue ReadingHow Do Blended Families Structure Their Wills?
Read more about the article Remove Beneficiary Designations on Non-Retirement Accounts

Remove Beneficiary Designations on Non-Retirement Accounts

  • Post author:Beau Ruff
  • Post published:April 6, 2022
  • Post category:Account Resources/Estate Planning/Family/Insurance/Investing

Non-retirement investment accounts are often set up with wealth management firms. When the account is set up, there is an option to put a beneficiary designation on the account and…

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Read more about the article Fractional Ownership of Family Property

Fractional Ownership of Family Property

  • Post author:Beau Ruff
  • Post published:March 1, 2022
  • Post category:Estate Planning/Family/Gifting/Legal/Real Estate

In most families, the parents dream of leaving a legacy to their children. Of course, the parents want to create a legacy in terms of intrinsic family values and ethics…

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Read more about the article The Multi-Pronged Approach to Paying for Your Child’s Education

The Multi-Pronged Approach to Paying for Your Child’s Education

  • Post author:Beau Ruff
  • Post published:September 1, 2021
  • Post category:Education/Estate Planning/Family/Financial Planning/Insurance/Legal

As higher education costs continue to rise, it’s important to consider how best to fund your child’s or grandchild’s education. I propose a multi-pronged approach to utilize tax-advantaged 529 plans,…

Continue ReadingThe Multi-Pronged Approach to Paying for Your Child’s Education
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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 Accolades
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  • Home
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