The CPA Financial Planner | September 2025

This month’s insights explore how baby boomer homeownership shapes retirement, with most planning to pass wealth to family and many confident in their financial security. For business owners, employee stock ownership plans (ESOPs) are highlighted as a tax-advantaged way to transition ownership while rewarding employees.

On retirement savings, the SECURE 2.0 Act continues to influence 401(k) plans, introducing options like super catch-up contributions, emergency withdrawals, and student loan matches, though adoption varies. Lastly, readers are encouraged to build financial resilience by budgeting, maintaining emergency funds, and stress-testing portfolios to prepare for life’s uncertainties.

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