The Journal

Philosophy. Stewardship. Legacy.

We can all create a beautiful life through wealth consciousness — estate planning, retirement income, and tax strategy, for families choosing stewardship over guesswork.

Tax Strategy

Locked Out of a Roth IRA? Here's the Door High Earners Still Use.

High income phases you out of a direct Roth IRA contribution — but not out of the tax-free bucket entirely. Here's how the backdoor Roth, the mega backdoor Roth, and smart timing still get you in.

September 13, 2026 · Read the Article →

Retirement Protection

One Nursing Home Stay Can Cost More Than Most People Save in a Decade

A single long-term care stay can run over $100,000 a year, and Medicaid won't help until your savings are nearly gone. Here's what that bill actually looks like, and how families protect retirement income before it ever arrives.

August 29, 2026 · Read the Article →

Estate Planning

You Signed the Trust. Your Family Could Still End Up in Probate.

Most revocable trusts never get fully funded — and an unfunded trust still goes through probate. Here's why that happens, and how Nevada's electronic trust law makes it possible to actually finish the job.

August 23, 2026 · Read the Article →

Wealth Consciousness

You're Making More Than Ever. So Why Does It Still Feel Like You're One Bad Month From Broke?

High income doesn't always feel like security. Here's the real reason the gap between what you earn and what you feel exists — and how wealth consciousness closes it.

August 16, 2026 · Read the Article →

Tax Strategy

Your 401(k) Has a Silent Partner You've Never Met

Every traditional 401(k) and IRA has an unnamed partner: whatever tax rate applies the year you withdraw. Here's why tax diversification protects your retirement income no matter what Washington decides.

August 8, 2026 · Read the Article →

Retirement Protection

The 10 Years That Decide If Your Retirement Money Outlives You

Same average return, same withdrawal rate — but the order the market's ups and downs arrive in can decide whether your money lasts.

August 1, 2026 · Read the Article →

Estate Planning

Your Will Doesn't Stop Your Kids' Inheritance From Being Seized in Their Divorce

A Supreme Court ruling most families have never heard of decides what happens to an inherited IRA — and the fix doesn't require a second trust.

July 30, 2026 · Read the Article →