Wealth Accumulation

Generational Wealth

THE 529 PLAN IS NO LONGER JUST A SIMPLE COLLEGE SAVINGS ACCOUNT: It's a Family Capital Allocation Tool

Mar 16, 2026

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8 min read

THE 529 PLAN IS NO LONGER JUST A SIMPLE COLLEGE SAVINGS ACCOUNT: It's a Family Capital Allocation Tool

For years, the 529 plan was boxed into a narrow category: “college savings.” That framing is now outdated. For high-income families, a 529 can function as something much more powerful ... a multi-use planning vehicle for education, credentialing, estate reduction, tax-efficient intergenerational gifting, and even an early Roth IRA runway for the next generation. The question is no longer whether a child will “go to college.” The real question is whether your family is building a system to fund earning capacity without unnecessary tax friction.

Edward Collins

Generational Wealth

Why a $1.4M Property Can Beat the Stock Market

Mar 9, 2026

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5 min read

Why a $1.4M Property Can Beat the Stock Market

A $1.4M short-term rental producing roughly $30,000 of annual cash flow doesn’t look particularly exciting on the surface. In fact, if you only look at the basic cash-on-cash return, you might dismiss it entirely. But sophisticated investors don’t evaluate real estate through a single lens. When you analyze the full financial picture ... cash flow, tax savings, debt pay-down, appreciation potential, and financing optimization ... a deal that appears average can produce year-one returns approaching 30% or more. Not magic. Just math.

Edward Collins

Investment Real Estate

REAL ESTATE ISN'T ONE RETURN ... IT'S FOUR

Feb 18, 2026

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6 min read

REAL ESTATE ISN'T ONE RETURN ... IT'S FOUR

Most real estate investors lose money because they’re only looking at one metric ... usually “cash flow.” But real wealth in real estate isn’t built on one return stream ... it’s built on a stack. When you learn to evaluate a property through all four returns (cash flow, equity paydown, appreciation, and tax advantages), you stop guessing ... and start investing like someone who actually plans to win.

Edward Collins

Tax Strategy

THE UBIT TRAP: WHEN YOUR IRA ACCIDENTALLY BECOMES A BUSINESS PARTNER

Feb 9, 2026

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7 min read

THE UBIT TRAP: WHEN YOUR IRA ACCIDENTALLY BECOMES A BUSINESS PARTNER

Most IRA investors think “tax-deferred” means the account is shielded from taxes until distributions. Usually ... yes. But if your IRA owns the wrong kind of investment (especially a pass-through business or debt-financed real estate), a quiet tax regime called UBIT can trigger taxes inside the IRA ... often at aggressive rates ... and then you can still get taxed again when you withdraw the money. The goal of this article is simple: help you spot the UBIT landmines before they blow up your returns.

Wealth Accumulation

THE 529 PLAN IS NO LONGER JUST A SIMPLE COLLEGE SAVINGS ACCOUNT: It's a Family Capital Allocation Tool

Why a $1.4M Property Can Beat the Stock Market

REAL ESTATE ISN'T ONE RETURN ... IT'S FOUR

THE UBIT TRAP: WHEN YOUR IRA ACCIDENTALLY BECOMES A BUSINESS PARTNER

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