Insights on tax, equity, and building wealth
Guides and analysis from the Harness team and the advisors on the platform.
How Much Does a Financial Advisor Cost? (Updated for 2026)
The total average cost of working with a financial advisor will depend on what type of advice you're seeking, as well as the fee structure the advisor uses for the services you receive.
U.S. Net Worth by Age: What the Data Shows [Updated for 2026]
Understand BOI reports, who needs to file, and how. Our guide covers everything you need to know about Beneficial Ownership Information reporting.
Spousal Lifetime Access Trust (SLAT)—What Is It and How Does It Work?
Estate planning for high-net-worth couples is entering a period of major transition. With the federal estate and gift tax exemption scheduled to drop by roughly half on January 1, 2026, many families are re-evaluating strategies to reduce future tax exposure while maintaining financial flexibility. One tool gaining renewed attention is the Spousal Lifetime Access Trust (SLAT)—an irrevocable trust that allows one spouse to transfer assets out of their taxable estate while still preserving indirect access to those assets through the other spouse.
SECURE 2.0 Retirement Account Changes 2025: 401k & IRA Updates Explained
SECURE 2.0 is reshaping retirement planning, with the most significant provisions taking effect in 2025. If you're wondering how these changes will impact your retirement strategy and what opportunities you should prepare for, read on.
529 to Roth IRA Rollovers 2025: A Guide to Eligibility & How to Do It
Despite 529 accounts being an effective way for parents to save for their children's education, many families have hesitated in the past to fully fund their 529 accounts. This is largely due to concerns that unused funds will face penalties if a child's education plans change, which often leads to under-saving for college expenses.
6 Strategies for Generational Wealth Transfer
The numbers behind the “Great Wealth Transfer” are staggering—an estimated $124 trillion is expected to pass from Baby Boomers and older generations to heirs by 2048. But what’s often lost in this headline-grabbing statistic is how complex, fragile, and deeply personal this transfer can be.
Understanding the Roth IRA 5-Year Rule: Withdrawals, Conversions, and Timeline
For all the considerable advantages that a Roth IRA brings to retirement planning, it comes with small print that investors need to be aware of. Chief among these details is the Roth IRA 5-year rule—a timing requirement that determines when you can access retirement funds tax-free and how conversions from traditional accounts get treated.
The Pros & Cons of a SEP IRA vs Solo 401(k) in 2025
As self-employment has continued to grow as a career path, so too has the importance of retirement planning. The decision between a SEP IRA or Solo 401(k) carries more weight now than ever, with 2025 bringing adjusted contribution limits and fresh tax considerations.
10 Rules for Superfunding a 529 Plan in 2025
A 529 college savings plan is a tax-advantaged tool that helps families meet the challenge of college costs. For those with substantial assets, a strategy that can be more impactful is "superfunding." Superfunding uses a special provision in the tax code to contribute a large lump sum to a 529 plan, treating it as five years of gifts. This strategy allows individuals with larger sums of money to accelerate college savings while reducing their taxable estate.
How the $1000 'Trump Accounts' for Kids Will Work
Starting in 2025, a new tax-advantaged savings vehicle is being introduced for families: Trump Accounts for Kids. These federally backed accounts provide $1,000 in seed funding for eligible newborns, with tax-deferred growth and contribution opportunities designed to support long-term wealth building.
Set Your Kids Up for Success: What You Need to Know About 529s and Education Savings
College education represents one of the most significant investments in your child's future. With tuition costs climbing relentlessly, many families struggle to fund higher education without burdening their children with crushing student loan debt.
How to Use FIRE to Retire Early
The allure of early retirement has given rise to a powerful financial strategy known as FIRE (Financial Independence, Retire Early). The strategy focuses on building a life where your expenses can be comfortably covered by passive income, granting you the freedom to pursue retirement long before the traditional retirement age.
Revocable vs. Irrevocable Trusts: Which Is Best for Protecting Family Wealth?
Throughout today's complex financial environment, trusts have emerged as sophisticated instruments for protecting and transferring wealth. These legal frameworks offer families a powerful way to safeguard assets, maintain privacy, and ensure their legacy passes to future generations exactly as intended.
A Guide to the Foreign Earned Income Exclusion (FEIE)
The total average cost of working with a financial advisor will depend on what type of advice you're seeking, as well as the fee structure the advisor uses for the services you receive.
How Business Owners, Entrepreneurs, and Founders Can Manage Wealth
Looking for a wealth manager? Harness can connect you with hand-picked tax, financial, and estate experts from around the United States.
First-Time Homebuyer Guide: Tax Benefits & Financial Planning Tips
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Financial and Tax Planning: 10-Point Checklist for New Parents and Families
Looking for a financial or tax advisor? Harness can connect you with experienced hand-picked tax, financial, and estate professionals from around the United States.
How to Find a Financial Advisor for Entrepreneurs
Looking for a financial advisor? Harness can connect you with hand-picked tax, financial, and estate experts from around the United States.
Understanding Angel Investor Exit Strategies: Beginner’s Guide
These are the seven areas of your financial picture that you need to consider optimizing before year end, particularly after yet another tumultuous year.
How to Incorporate Real Estate into Your Personal Financial Plan
ISOs have a favorable tax treatment on exercise, but understanding your tax obligations and how to minimize your tax burden can be complicated. Before taking any decisions around your ISOs, it's important to understand the tax consequences and how that impacts potential future profits.
What is a Financial Plan, and How Do I Make One?
What can individual investors do to de-risk their portfolio despite the mechanical and psychological headwinds they face? This is where the discipline, knowledge, and experience of a financial advisor can add tremendous value.
Is Wealth Management Worth It? Understanding the ROI of Advisors
What can individual investors do to de-risk their portfolio despite the mechanical and psychological headwinds they face? This is where the discipline, knowledge, and experience of a financial advisor can add tremendous value.
Maximizing Your Idle Cash: Strategies for Personal Finance Management
These are the seven areas of your financial picture that you need to consider optimizing before year end, particularly after yet another tumultuous year.
A Tax Guide for Freelancers and Small Business Owners in 2023
These are the seven areas of your financial picture that you need to consider optimizing before year end, particularly after yet another tumultuous year.
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