by Concentrum Wealth | Jun 5, 2026 | Uncategorized
With traditional pensions in decline, other work-based plans that are driven primarily by employee contributions — such as 401(k), 403(b), and 457(b) plans — are the bedrock of the U.S. retirement system. This means it’s up to you to build retirement savings....
by Concentrum Wealth | May 15, 2026 | Uncategorized
The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, introduced a new savings vehicle called Trump Accounts — tax-advantaged accounts designed to give children a financial head start. Here’s what you need to know. What Is a Trump Account?...
by Concentrum Wealth | Feb 11, 2026 | Uncategorized
Does Cryptocurrency Fit in Your Portfolio? In a 2023 survey, 17% of U.S. adults said they had invested in, traded, or used cryptocurrency (1). Cryptocurrency — often simply called crypto — has become so entrenched that the Internal Revenue Service asks a question...
by Concentrum Wealth | Jan 9, 2026 | Uncategorized
Can a grandparent pay a grandchild’s tuition directly to the college without any gift tax issues? Yes. The general rule for gifts is that any gift over the annual federal gift tax exclusion amount ($19,000 for individual gifts and $38,000 for joint gifts in 2026) is...
by Concentrum Wealth | Dec 13, 2025 | Uncategorized
With Americans contributing about $592 billion to charitable organizations in 2024, it is clear that charitable giving remains a powerful way to support the causes that matter most (1). In addition to advancing philanthropic goals, charitable donations may offer tax...
