our thinking

Insights & Perspectives from Commons Capital

Commons University

June 15, 2026

Three Ways to Build a Child's Financial Foundation

Signed into law on July 4, 2025 as part of the One Big Beautiful Bill Act, the Trump account (the new §530A account) is a tax-advantaged retirement account opened in a child's name. Any child under 18 with a Social Security number is eligible — there are no income limits on contributors and no earned-income requirement.

March 17, 2026

Choosing a Financial Advisor for High Net Worth Individuals

Learn how to find the right financial advisor for high net worth clients. This guide covers credentials, services, fees, and how to build a lasting partnership.

March 16, 2026

How to Invest for the 2026 Economic Outlook: A Guide for HNW Investors

Discover how to invest for the 2026 economic outlook with actionable strategies for portfolio positioning, risk management, and capitalizing on market shifts.

Giving and Social Impact

March 15, 2026

Donor Advised Fund vs Private Foundation for HNW Donors

Deciding between a donor advised fund vs private foundation? Our guide helps HNW donors compare tax benefits, control, costs, and legacy impact for 2026.

Retirement Planning

March 14, 2026

Retirement Planning for High Earners in Their 40s

Master retirement planning for high earners in their 40s. Learn targeted strategies to maximize savings, reduce taxes, and build a secure financial future.

Legacy Planning

March 13, 2026

Estate Planning vs. Financial Planning: A Guide to Securing Your Future

Unsure about estate planning vs financial planning? Our guide explains the key differences and shows how integrating both is crucial for protecting your wealth.

Best investment strategy for rising interest rates: Protect and Grow Your Wealth

March 12, 2026

Best investment strategy for rising interest rates: Protect and Grow Your Wealth

Discover the best investment strategy for rising interest rates to protect and grow wealth with expert guidance for 2026.

How to Invest During High Inflation: A Strategic Guide

March 11, 2026

How to Invest During High Inflation: A Strategic Guide

Discover how to invest during high inflation with proven strategies for 2026. Protect your portfolio with inflation-resistant assets and expert insights.

How to Invest During High Inflation: A Strategic Guide for 2024

March 11, 2026

How to Invest During High Inflation: A Strategic Guide for 2024

Learn how to invest during high inflation with proven strategies. Protect your portfolio and grow your wealth with actionable advice for today's economy.

Investment Management

Is the AI Big-Tech Trade Overextended? A Guide for Investors

March 10, 2026

Is the AI Big-Tech Trade Overextended? A Guide for Investors

Is the AI Big-Tech trade overextended? is the ai/big-tech trade overextended We assess valuations, earnings, and macro risks to navigate 2026 tech rally.

Retirement Planning

The 4 percent rule: Is It Still Viable for Retirement?

March 9, 2026

The 4 percent rule: Is It Still Viable for Retirement?

Discover the 4 percent rule today, its limitations, and smarter, dynamic retirement strategies for a more resilient plan.

Financial Planning

Unlocking Your Social Security Claiming Strategies

March 8, 2026

Unlocking Your Social Security Claiming Strategies

Discover powerful social security claiming strategies to maximize your retirement income, protect your wealth, and secure your financial future. Learn more now.

Investment Management

March 7, 2026

Is Now a Good Time to Invest, or Should I Wait in Cash? 2026 Guide

Is now a good time to invest, or should I wait in cash? This 2026 guide for high-net-worth investors clarifies risks and offers smart timing advice.

Financial Planning

March 6, 2026

Smart Wealth Planning: How Much Should I Keep in an Emergency Fund?

Learn how much should i keep in an emergency fund? Move beyond the 3-6 month rule to tailor wealth protection for high-net-worth plans.

Economic Outlook

March 5, 2026

Investors should know: impact of federal deficit on long-term interest rates

Understand the impact of federal deficit on long-term interest rates and learn practical steps to protect your portfolio in 2026.

March 4, 2026

Navigating Securities-Based Lending: A Guide to Risks and Benefits

Explore securities-based lending risks and benefits. A guide for high-net-worth investors on using SBL for liquidity without disrupting your portfolio.

March 3, 2026

How to Protect Assets From Lawsuits and Creditors: A 2026 Guide

Learn how to protect assets from lawsuits and creditors with our guide. Discover strategies using trusts, LLCs, and insurance to safeguard your wealth.

March 2, 2026

Is Inheritance Taxable? A Guide for High-Net-Worth Families

Is inheritance taxable? Discover how federal estate taxes and state laws impact your wealth. Get clear answers and strategies before the 2026 exemption changes.

March 1, 2026

How to Minimize Capital Gains Tax on a Business Sale in 2026

Learn how to minimize capital gains tax on a business sale with our expert guide. We cover QSBS, sale structure, and tax-deferral strategies for owners.

February 28, 2026

What Is a Multi-Family Office and Do I Need One? A Complete Guide

What is a multi-family office and do I need one? This guide explains MFO services, costs, and benefits for high-net-worth families and business owners.

Investment Management

February 27, 2026

Unlocking The Net Unrealized Appreciation (NUA) Strategy

Discover the Net Unrealized Appreciation (NUA) strategy, a powerful tax-saving tool for investors with highly appreciated employer stock in their 401(k).

Retirement Planning

February 26, 2026

Navigating the Mega Backdoor Roth Limits 2026: A Guide for High Earners

Unlock the Mega backdoor Roth limits 2026. Learn how high earners can maximize tax-free retirement savings beyond standard 401(k) contribution caps.

February 25, 2026

Fiduciary vs. Financial Advisor: What's the Real Difference?

Explore the critical differences in our fiduciary vs financial advisor comparison. Learn how duties, fees, and legal standards impact your financial future.

February 24, 2026

QSBS Tax Exemption Rules: A Founder's Guide to Tax-Free Growth

Master the QSBS tax exemption rules. Our guide explains how founders and investors can qualify for Section 1202 stock to maximize tax-free gains.

Retirement Planning

February 23, 2026

A Guide to Convert a Traditional IRA to a Roth IRA for Tax-Free Growth

Discover how to convert traditional ira to roth ira with tax tips, penalties avoided, and smart strategies for higher earners.