Tips for maximizing your 529 Colllege Savings Account Returns
The 529 college savings account is one of the best tax-advantaged ways to save for a child’s college and other educational expenses. Any gains aren’t taxed so long as they’re used for qualifying educational expenses (such as college tuition and books). Here are five tips for maximizing your gains so that you get the maximum […]
Estate Planning 101: How to Protect Your Family and Legacy
Estate Planning 101: How to Protect Your Family and Your Legacy Estate planning isn’t just something wealthy people do, it’s something anyone can benefit from. If you want to make things easier for your loved ones and ensure your wishes are followed, having a basic plan in place is one of the smartest steps you […]
Unlocking Real Value: How Your Advisor Can Make a Measurable Difference
Unlocking Real Value: How Your Advisor Can Make a Measurable Difference As investors, we all seek ways to improve outcomes—not just through chasing returns, but through reliable, long-term strategies. At Vanguard, their Advisor’s Alpha® framework, now celebrating its 25th anniversary, demonstrates how financial advisors can deliver real, measurable value beyond just picking investments (Vanguard Advisors). What […]
OBBBA Explained
What Changed and Why It Matters As of July 4, 2025, the OBBBA made many of the individual tax provisions originally set to expire after 2025 permanent, chief among them being the income‑tax reductions from the 2017 Tax Cuts and Jobs Act. These changes reshape the tax landscape for investors, retirees, and working families. Notable Tax […]
6 Most Frequently Asked Questions for Financial Advisors (And Honest Answers)
When people think about working with a financial advisor, they often have important questions — and they should. Trusting someone with your financial future is a big decision. Here are six of the most common questions we hear along with our straightforward answers. Are You a Fiduciary? Yes — and that […]
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Smart Money Circle: This $450M Money Manager Uses Stocks & Options To Gain An Edge In The MarketSmart Money Circle
Smart Money Circle podcast introduces Paul Stanley, Granite Bay Wealth Management managing partner. Listen here
Empowering Financial Decisions Post-Fed Meeting
It’s understandable that updates from the Federal Reserve can evoke questions and concerns, especially when they have the potential to impact our finances, investments, and borrowing costs. Today, we’re diving into the May 2025 Federal Open Market Committee (FOMC) meeting, a significant event in the current economic landscape, to highlight key takeaways that could shape […]
Paul Stanley in Pensions and Investments
Paul Stanley, chief investment officer at Granite Bay Wealth Management commented that the 401(k) plan is the “bedrock of most people’s long term financial plan, and I think the simplicity of traditional public market investments makes the most sense for plan participants.”“People need to focus on dollar-cost averaging into a well-diversified portfolio of funds and not […]
Budgeting: College and Beyond
Creating a Balanced Budget When it comes to budgeting during college years, balancing your costs with your available resources is crucial. This involves: Identifying Income Sources: Outline all potential income sources, including savings, family contributions, part-time jobs, and financial aid. Allocating Funds Wisely: Prioritize essential expenses, ensuring your basic needs are covered before allocating funds to discretionary […]
