The Latest From Our Blog

Starting in 2026, the One Big Beautiful Bill (OBBB) introduces new charitable giving rules, including a 0.5% AGI threshold, reduced deduction benefits for high-income earners, and limited deductions for non-itemizers. This guide explains what’s changing and outlines tax-efficient strategies like bunching donations, donating appreciated assets, and coordinating giving with income events to help maximize impact.

Heritage Wealth Management is a Houston, TX financial advisory firm specializing in financial planning for oil and gas professionals. This article addresses one of the most common financial risks facing energy workers: over-concentration in the oil and gas sector across income, investments, retirement accounts, and home equity. Topics covered include how to diversify a 401(k) with company stock, how to build a cash reserve for a cyclical-income career, strategies for managing stock options and RSUs, and how to create a bonus plan that builds lasting wealth. Heritage Wealth Management serves clients across the Greater Houston area, including those working in upstream, midstream, and downstream energy roles. To schedule a complimentary consultation, visit heritageplanners.com.