Nevotti Spinks Asset Management

A family creates a trust. Signs the documents. Feels good about it. But they never retitle the house or the bank accounts into the trust's name. When it's time for the trust to do its job — it can't. Estate planning is a system, not a single document.

Estate Planning is Not a Document It's a system that needs to connect.

Quick gut check: Do you know who's listed as beneficiary on your retirement accounts right now? Not who you'd want it to be — who's actually on the form. In most cases, beneficiary designations supersede your will. If yours are out of date, your estate plan may not work the way you think it does.

Who is on Your Beneficiary Form? A forgotten form can override your will.

Sitting in cash can feel safe. But over long periods of time, ”safe” might have a cost. We recently broke down what happened to $100 across three different paths over nearly 100 years. The choice that felt safest at the start didn't end up that way. Take a look.

The Comfort Trap Many Investors Fall Into History shows why comfort can come at a cost.

Inflation doesn't shout. It just quietly chips away. In the late 1920s, $100 could cover more than a month's rent. Today, it might cover dinner out. In our latest newsletter, we explored what happened when that $100 was invested differently — and what it means for your purchasing power over time.

The Hidden Risk of Playing It Too Safe See what a century of history says about cash.

One of the top retirement fears is running out of money. But what if the bigger risk is holding back too much in the years you’re healthiest and most active.

Retirement Planning Meets Real Life Data shows retirement rarely follows a steady path.