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RCS Advisors

RCS Advisors

Rolling Over 529 Funds to a Roth IRA

The SECURE Act 2.0, signed into law in late 2022, introduced several updates to retirement and education savings. One provision that has generated particular interest is the ability to roll over certain unused 529 plan funds into a Roth IRA. This rule, effective in 2024, provides families with more

Paying Your College Bill Is Different for 2025–26

As families begin receiving their 2025–26 college tuition bills, the strategies for covering costs may look very different from prior years. The One Big Beautiful Bill Act (OBBBA) introduced new loan limits for students and parents, creating both challenges and opportunities for planning ahead. With

Pursue Your Financial Goals with Fee-Only Financial Advice and Wealth Management

When it comes to securing your financial future, clarity and trust are non-negotiable. That’s why fee-only financial advice—paired with comprehensive wealth management—offers a powerful framework for long-term success.

Real Estate Investing: Fiduciary Strategies for Long-Term Wealth

Investing in real estate can be a valuable way to pursue long-term wealth building, depending on individual goals and circumstances. But...

Diversification of Personal Wealth Beyond the Business: A Strategic Imperative for Entrepreneurs

Preserve Your Legacy and Protect Your Wealth: Strategic Diversification Beyond the Business for Long-Term Financial Confidence.

Creating a Financial Safety Net for Business Owners: A Strategic Approach to Long-Term Stability

Protect Your Business and Personal Wealth with a Customized Financial Safety Net Designed for Long-Term Resilience and Strategic Growth.

Parent-Owned 529s vs. Grandparent-Owned 529s: What Families Should Know

Saving for a child’s education is one of the most impactful financial gifts a family can give. A 529 college savings plan is often the go-to tool, thanks to tax-deferred growth and tax-free withdrawals for qualified education expenses. But one important decision can affect financial aid, taxes, and

Building Retirement Wealth Outside the Business: A Strategic Guide for Entrepreneurs

Secure Your Financial Future by Building Retirement Wealth Beyond Your Business with a Diversified, Tax-Efficient Strategy Tailored to Entrepreneurs.

Financial Aid vs. Loans: How to Minimize Borrowing for Your Child’s Education

Sending a child to college is one of the biggest investments many families make—and the choices you make now can impact their financial future for decades. By combining aid, smart school choices, and strategic use of savings, you can minimize how much borrowing is necessary.

Choosing the Right Business Entity for Tax Efficiency: A Strategic Guide for Business Owners

Optimize Your Business Structure for Tax Efficiency with a Strategic Entity Selection Plan Tailored by Experienced Wealth Advisors.