The Latest From Our Blog

Grandparents should be cautious before opening Trump Accounts. Learn the IRS rules, risks, and planning considerations for family wealth strategies.

Starting in 2026, ACA health plans may qualify for HSA eligibility. Learn how expanded access to Health Savings Accounts can reduce taxes, improve healthcare planning, and enhance long-term wealth strategies.

Optimize your 401(k), IRA, and HSA contributions early in the year to stay on track for your retirement goals. Learn how to review contribution pacing, maximize employer match, evaluate Roth vs. pre-tax strategies, and align beneficiaries with your estate plan. Heritage Wealth Management shares practical, tax-aware strategies to help high-income individuals and families improve long-term outcomes without changing their lifestyle.

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.

A financial plan helps connect your investments, taxes, retirement goals, and legacy planning into one clear strategy. Learn why having a comprehensive financial plan can help you make smarter decisions and stay focused on what matters most.

Invest with purpose, not emotion. Learn how to align your portfolio with your financial goals, manage risk, reduce costs, and stay disciplined through market volatility. Discover why a structured, goal-based investment strategy leads to better long-term outcomes than reacting to headlines.

A Health Savings Account (HSA) is often viewed as a simple way to pay for doctor visits, but it can be much more. For eligible families, an HSA offers a rare triple tax advantage—potentially tax-deductible contributions, tax-deferred growth, and tax-free withdrawals for qualified medical expenses. Because the balance can roll over and may be invested, an HSA can also support long-term planning and help fund healthcare costs in retirement.

If you filed an extension and you’re looking for ways to make a 2024 retirement plan contribution right now, you still have options. Below is a practical, plain-English guide to what’s possible, what’s no longer available, and how to choose the right path based on your entity type and deadlines.

Get clear, up-to-date answers about Trump Accounts under the One Big Beautiful Bill—eligibility, government seed funding, contribution limits, tax benefits, and what is still under clarification

Trump Accounts, created under the One Big Beautiful Bill, give eligible children $1,000 at birth plus $5,000/year in contributions. Learn how these new accounts grow tax-deferred, when funds can be used, and what families should know for long-term planning.

Explore how the One Big Beautiful Bill may affect taxes, deductions, and credits now and in the years ahead.

Understanding where you fall within the 2025 federal tax brackets is key to making smarter financial moves. In our latest post, we break down the new income thresholds, highlight the updated standard deductions, and share practical strategies—like maximizing retirement contributions and utilizing key tax credits—to help you lower your taxable income and keep more of what you earn. Start planning today to stay ahead!