Blog – Paces Ferry Wealth Advisors

Streamline Your Estate Planning with Simple Account Titling Strategies

Written by Zachary Morris, CFP® on April 24, 2025.

Learn why choosing the right titling strategy—such as joint tenancy or TOD accounts—can simplify estate planning and help your assets avoid probate.

When it comes to estate planning, how your accounts are titled can have a significant impact on what happens to your assets after you pass away. Certain titling strategies can help you avoid probate, simplify asset distribution, and ensure your wishes are carried out. Others—if not handled properly—can lead to unintended consequences.

In this article, we’ll walk through three common account titling strategies and how each one works:

Joint Tenants with Rights of Survivorship (JTWROS)

Tenancy in Common

Transfer on Death (TOD) or Designated Beneficiary Accounts

Keep reading to learn more.

$1.8mm Today. Retire at 66? These Changes Made It Possible

Written by Zachary Morris, CFP® on April 10, 2025.

When it comes to retirement planning, numbers only tell part of the story. Just as important are your goals—what you want your money to do for you. In this real-life retirement plan case study, we walk through how one couple used personalized financial planning to make key adjustments that greatly improved their probability of retiring on time and living the lifestyle they envisioned.

Can Small Business Owners REALLY Achieve Financial Freedom?

Written by Zachary Morris, CFP® on March 31, 2025.

Wondering how to sell your business for retirement? Learn how to determine your business’s value, close the wealth gap, and more.

Are you a business owner? Check out our video on this topic, too!

For many small business owners, their company is more than just a source of income—it’s their financial foundation. But when it comes time to sell the business and retire, a critical question arises: How to sell your business for retirement in a way that leads to long-term financial stability. Understanding the right sale price, aligning financial goals, and closing any wealth gaps are key steps in transitioning from business ownership to retirement.

Create Your Estate Plan in 2025 with These 3 Essential Documents!

Written by Zachary Morris, CFP® on March 10, 2025.

Learn about the three essential estate planning documents—will, power of attorney, and healthcare directives—to help protect your assets and loved ones.

Estate planning is an essential step in helping protect your financial legacy and guiding how your wishes are to be carried out. While the process may seem complex, you can address the majority of estate planning needs by having three key documents in place: a will, power of attorney, and healthcare directives.

These documents help you manage your assets, protect your loved ones, and help direct your affairs according to your preferences. If you haven’t reviewed your estate plan in years—or don’t have one at all—now is the time to get started.

WHAT You Need to Know About RESTRICTED STOCK UNITS EXPLAINED!

Written by Zachary Morris, CFP® on March 10, 2025.

In this video, I’ll break down everything you need to know about Restricted Stock Units (RSUs)—how they work, their tax implications, and when it makes sense to sell them. RSUs are a form of compensation provided by companies, offering employees shares of company stock once certain conditions are met—typically through a vesting period tied to continued employment. Unlike stock options, RSUs don’t require you to purchase shares. Instead, you automatically receive the shares once they vest, making them an attractive tool for building long-term wealth.

Cash Crunch? Here Are 4 Tax-Friendly Ways to Get Cash Quickly!

Written by Zachary Morris, CFP® on February 27, 2025.

Learn about four tax-friendly ways to get cash quickly while potentially minimizing tax liabilities

Finding yourself in a short-term cash crunch can be stressful, especially when you need funds quickly without triggering a large taxable event. Whether it’s for a down payment on a home or another financial need, there are strategies available to help you access cash while minimizing tax implications. In this article, we’ll explore four tax-friendly ways to get cash quickly that could make a difference in managing your finances.

Cash Crunch? Here Are 4 Tax-Friendly Ways to Get Cash Quickly!

Written by Zachary Morris, CFP® on February 19, 2025.

Are you facing a short-term cash crunch and need money without triggering taxable events by liquidating your investments? In this video, I share four practical strategies to generate the funds you need quickly and efficiently, usng the example of making a down payment on a home purchase.

Get More Out of Your Home Purchase with These Tax Tips!

Written by Zachary Morris, CFP® on February 13, 2025.

Discover smart home purchase tax tips, including how to use investment interest deductions to help maximize your tax benefits and potentially save more.

When purchasing a home, most people focus on traditional mortgage interest deductions without realizing there may be alternative strategies to maximize tax benefits. This article provides insights on potential strategies to optimize deductions when buying a home. By utilizing specific techniques, you may be able to transform standard mortgage interest into an investment interest deduction, providing significant tax advantages.

This article explores a unique approach to home purchase tax tips, focusing on investment interest deductions and how they may benefit your financial strategy.

Get the Most Out of Your Home Purchase with These Tax Tips!

Written by Zachary Morris, CFP® on February 10, 2025.

In this video, I share a tax-saving strategy that allows you to maximize deductions when purchasing a home. If you’re looking to optimize your tax benefits, understanding the difference between mortgage interest deduction and investment interest deduction is important to effectively execute this strategy. The mortgage interest deduction is limited to loans of $750,000 or less under current tax laws, often leaving homeowners with unused interest expenses that don’t qualify for tax deductions.