By Bob Moses | Altum Wealth Alliance When the Markets Dip, Strategy Matters More Than Speed No one enjoys watching their account values fall. It’s uncomfortable, unsettling, and at times, discouraging, even for seasoned investors. Yet some of the most powerful planning moves can happen in these moments, when others are tempted to retreat or pause altogether. A soft market environment does not mean progress is on hold. These quieter periods often reveal overlooked opportunitie

By Bob Moses | Altum Wealth Alliance The Power of a January Pause There’s something powerful about the start of a new year. For many of the successful families and professionals we work with, January represents a natural reset. The holiday rush has passed. The inbox starts to clear. There’s finally space to think about what matters beyond day-to-day responsibilities. This is the moment when big-picture clarity becomes possible. It’s also when the quiet financial questions ten

By Bob Moses | Altum Wealth Alliance The final weeks of the year can be a blur. Between holiday travel, family gatherings, and business obligations, reviewing your tax strategy might be the last thing on your list. Yet this narrow window in December is when a few smart financial decisions can still make a meaningful difference in what you owe and how much you keep. Here’s the good news: even with just a few weeks left in the year, there are practical ways to reduce your tax b

By Bob Moses | Altum Wealth Alliance Social Security. Just reading those words might bring to mind a generic government program, something necessary for others but irrelevant for someone with your level of success. Many of the families and business owners we work with feel Social Security's a box that’s already been checked or one that doesn’t apply. Ignoring Social Security could be a six-figure mistake. Even for high earners with significant assets, Social Security plays a

By Bob Moses | Altum Wealth Alliance Not All Financial Plans Are Created Equal It is surprisingly common. A successful family has a detailed financial plan, built with careful projections, allocation models, and spreadsheets that hum with precision. On paper, it all checks out. When asked if the plan reflects the life they want to live, not just the one they are maintaining, the answer is often, not really. That gap matters. Because real financial planning is not just about a

By Bob Moses | Altum Wealth Alliance The Slow Leak You Never See Coming For many affluent families, wealth is the result of decades of discipline, sacrifice, and smart decision-making. It is not an accident. It is the outcome of hard work, long hours, and more than a few sleepless nights. So it can come as a surprise when, over time, some of that hard-earned wealth quietly slips through the cracks. Not through reckless spending or bad investments, but through inattention, out

Ask most people what wealth is for, and the answers usually revolve around security, freedom, or providing for family.

Financial inertia is one of the most underestimated risks facing high net worth families. It does not make headlines.

You have built something remarkable. Your business has provided for your family, supported your team, and likely shaped your identity....

You might have substantial wealth, a long list of assets, and trusted professionals on your team. Yet something still feels unsettled....

Selling the Business Was the Finish Line—Now What? If you’re a business owner who just sold your company or is preparing for a major...

When Loyalty Meets Uncertainty If you've worked with a financial advisor for years, the idea of making a change can feel uncomfortable,...

You’ve built real wealth - but is your advisor truly managing it, or just monitoring it? A few calls a year and some charts aren’t enough. At this level, passive advice costs you: in taxes, outdated plans, missed opportunities. True wealth management is proactive, strategic, personal. It integrates your goals, values, and legacy into every decision. If your advisor isn’t leading those conversations, ask yourself: are they managing your wealth - or just watching it?

Retirement isn’t the end - it’s a shift in how you lead with your wealth. Traditional models don’t fit high-net-worth lives with businesses, legacies, and complexity. It’s not just about income - it’s about stewardship, tax strategy, and impact. If your plan stops at a portfolio projection, it’s not a plan. Let’s build one that aligns with your values, protects your legacy, and turns retirement into a launch - not a landing.

Legacy planning isn’t just about wills - it’s about protecting your wealth, reflecting your values, and taking care of the people and causes you love. At Altum Wealth Alliance, we help you build a clear, tax-efficient plan that creates peace of mind now and impact later. Whether it’s trusts, gifting, or business succession, we’ll make it simple and personal. Because your legacy deserves more than good intentions - it deserves a plan. Let’s talk when you’re ready.

You’ve built something meaningful - your business. Now it’s time to protect it. A solid succession plan ensures control, clarity, and confidence for you, your team, and your family. Whether you plan to step back soon or just want peace of mind, it’s never too early - or too late - to start. I help business owners create tailored, tax-smart plans that reflect their goals and values. Let’s talk about how to secure your legacy and keep your business thriving, no matter what come

Retirement planning can feel overwhelming, but most stress comes from uncertainty - not lack of preparation. With the right structure, process, and guidance, you can turn scattered pieces into a clear, confident plan. From income strategies to estate planning and business succession, organization is key. You don’t need perfection - just clarity, alignment, and a trusted partner to help you make smart, stress-free decisions.

As retirement nears, market volatility can feel daunting - but the key is preparation. The 5–10 years before retirement are crucial for reducing risk, rebalancing investments, and creating a steady income plan. Build cash reserves, review your tax and estate strategies, and avoid reactive decisions. With the right guidance, you can retire with confidence - even in uncertain markets.

Retirement requires a phased approach. Ten years out, boost savings, review investments, and reduce debt. At five years, fine-tune income plans, review taxes, and consider long-term care. One year out, set your date, confirm healthcare, and test your budget. Each step brings you closer to a secure future. Start early, plan smart, and consider working with an advisor to stay on track.

Losing a spouse is emotionally and financially overwhelming. Start by gathering key documents and taking a full financial inventory. Notify institutions, update accounts, and review your budget, investments, and estate plan. Avoid major decisions too soon. A trusted advisor can help you regain clarity and build a secure path forward. You're not alone - support is available.