<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Prestiq Wealth]]></title><description><![CDATA[Prestiq Wealth]]></description><link>https://louisgreen4.wixsite.com/prestiq-wealth/blog</link><generator>RSS for Node</generator><lastBuildDate>Sun, 24 May 2026 05:04:21 GMT</lastBuildDate><atom:link href="https://www.prestiqwealth.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[THOUGHTS ON CIRCLE’S EQUITY COMPENSATION PROGRAM]]></title><description><![CDATA[Understanding the Restricted Stock Unit Program at Circle and how to plan around it I recently had the opportunity to learn more about Circle and its Restricted Stock Unit program. As a result, I thought it would be valuable to share some initial thoughts on the program and how it may fit into the financial plans of Circle employees. First, I want to touch on some considerations around the company’s restricted stock program. Given that Circle only recently went public on June 5, 2025, at $31,...]]></description><link>https://www.prestiqwealth.com/post/thoughts-on-circle-s-equity-compensation-program</link><guid isPermaLink="false">6a0ef07eb883334b04dffa19</guid><category><![CDATA[Company Specific Blogs]]></category><pubDate>Thu, 21 May 2026 11:57:17 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_f015f15d6e464ced9132675a81348501~mv2.jpg/v1/fit/w_1000,h_1000,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Louis Green</dc:creator></item><item><title><![CDATA[WHY RETIREMENT PLANNING MATTERS]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Why Retirement Planning Matters Retirement planning often feels like standing at the edge of an uncharted ocean. The idea of navigating financial security, investment choices, and lifestyle changes can be daunting. Whether you are already retired or approaching retirement, it is easy to feel overwhelmed by the sheer magnitude of what is needed for retirement. You probably have one or more of the following questions: How much will I need to retire comfortably?...]]></description><link>https://www.prestiqwealth.com/post/why-retirement-planning-matters</link><guid isPermaLink="false">69ed88f004fc81dfe25dd1d6</guid><category><![CDATA[Retirement Planning]]></category><pubDate>Sun, 26 Apr 2026 03:41:50 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_394f4a84d57d411f90e654967fe9bbfe~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[LIFESTYLE PLANNING CHECKLIST]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Lifestyle Planning Checklist Take inventory of your hobbies and interests – can you continue to pursue them as you age? Consider where you plan to live. Is it optimal to stay in your current home when you retire? Look into joining groups to stay social. Stay active by taking walks, joining a gym, or signing up for a class that interests you. Create a plan to cover long-term care expenses. Develop a budget to account for health care expenses. Let’s Talk Find...]]></description><link>https://www.prestiqwealth.com/post/lifestyle-planning-checklist</link><guid isPermaLink="false">69ed885a81e17196bd296a91</guid><category><![CDATA[Lifestyle Planning]]></category><pubDate>Sun, 26 Apr 2026 03:38:33 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_4bb671a739fa47828c360601d5289c8d~mv2.png/v1/fit/w_1000,h_715,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[HOW TO LIVE YOUR BEST LIFE IN RETIREMENT]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Defining Your Retirement Lifestyle Money is not everything …. right? Regardless of whether you believe that or not, you should be conscious about how you want to live your life after retirement. What are some of the things you value most? Do you love to travel? What hobbies will you pursue or continue to pursue? Do you have an opportunity to give back by volunteering your time? How about friends and family? Do your best to stay connected because loneliness...]]></description><link>https://www.prestiqwealth.com/post/how-to-live-your-best-life-in-retirement</link><guid isPermaLink="false">69ed877ab502c05c43b85741</guid><category><![CDATA[Lifestyle Planning]]></category><pubDate>Sun, 26 Apr 2026 03:36:29 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_d08a634c862b46c0b2b47ebf24ba590d~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[FINANCIAL MOVES TO CONSIDER FOR YOUR FUTURE - RETIREMENT ACCOUNTS, EMERGENCY FUNDS &#38; INSURANCE]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Financial Moves To Consider For Your Future Retirement Accounts Funding a self-managed retirement plan or contributing to an employer-sponsored plan is one possible way to build long-term wealth. There are many options that are available for you. If you are eligible1, you can fund a Traditional IRA or Roth IRA. Consider a 401(k) or 403(b) plan if either is available from your employer. If you are a business owner, consider a Solo 401(k) or SEP IRA. The...]]></description><link>https://www.prestiqwealth.com/post/financial-moves-to-consider-for-your-future-retirement-accounts-emergency-funds-insurance</link><guid isPermaLink="false">69ed86a2b502c05c43b85498</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 03:31:55 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_2d245b25a24a4941881b2e9aabc90977~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[FINANCIAL PLANNING CHECKLIST]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Financial Planning Checklist Create a goals-based written financial plan to determine the probability of meeting your objectives. Develop and review your balance sheet, outlining your assets and liabilities. Prepare a cash flow statement to analyze your current and future spending. Review all your debt. What interest rate are you paying? Can you refinance at a lower rate? Reduce your debt and interest payments by paying off high-interest rate debt first,...]]></description><link>https://www.prestiqwealth.com/post/financial-planning-checklist</link><guid isPermaLink="false">69ed84e2b502c05c43b850fd</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 03:23:15 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_2c6057f85ed34397bd2cf85a12d044b7~mv2.png/v1/fit/w_1000,h_955,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[CREATING A SAVING PLANS &#38; FUTURE SOURCES OF CASH FLOW]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Create a Savings Plan Whether you are just starting your retirement journey or newly retired, create a savings plan to pay yourself first. If you are just starting your retirement journey, use part of those savings to create an investment portfolio. Even the smallest portfolio can grow significantly over time with consistent contributions. Getting started now will allow you to reap the benefits of compounded interest over time. Future Sources of Cash Flow ...]]></description><link>https://www.prestiqwealth.com/post/creating-a-saving-plans-future-sources-of-cash-flow</link><guid isPermaLink="false">69ed83b5b502c05c43b84ea8</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 03:21:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_2a3deab20e204d398d18c027a4ca8a3f~mv2.png/v1/fit/w_1000,h_955,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[MANAGING DEBT]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Managing Debt  Carrying debt into retirement can become a significant problem for you. If you have a large debt balance with a high interest rate on that debt, making only minimum payments can negatively affect your credit score and make it harder to get out of debt.1 The payments needed to manage that debt in the future will use up vital resources. Below are two hypothetical examples which illustrate the principal balance and interest payments made on a...]]></description><link>https://www.prestiqwealth.com/post/managing-debt</link><guid isPermaLink="false">69ed7fcb04fc81dfe25dbd8c</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 03:02:35 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_f8ec912d49ba43c086075547980bbe67~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[SEQUENCE RISKS, WITHDRAWAL RATES &#38; GOALS BASED PORTFOLIOS]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Sequence Risk Having a plan to pay for your expenses in retirement is important because the amount you pull from your portfolio and the timing of those withdrawals are vulnerable to sequence risk, which is the risk of negative market returns right before or soon after you retire. Sequence risk is especially dangerous during the earlier years of your retirement if you are using a diminished portfolio to fund your living expenses. You should expect market...]]></description><link>https://www.prestiqwealth.com/post/sequence-risks-withdrawal-rates-goals-based-portfolios</link><guid isPermaLink="false">69ed7ee2b502c05c43b84464</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 03:00:18 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_a25b46f9594045e7bd27e5121eddf668~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[SETTING RETIREMENT GOALS &#38; CREATING A BUDGET]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Setting Retirement Goals Financial planning is the foundation of a successful retirement. Creating and sticking to a financial plan is one of the best ways to start planning for your future. However, how do you know where to start? Start by setting your retirement goals. How much income will you need in retirement? What do you want to accomplish in retirement? Where do you want to live? What activities do you want to participate in? Are you looking to make a...]]></description><link>https://www.prestiqwealth.com/post/setting-retirement-goals-creating-a-budget</link><guid isPermaLink="false">69ed7e3b81e17196bd295460</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 02:56:13 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_758eb6930f9041e6a2c767264bb6036c~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[UNIQUE CHALLENGES FACED BY BUSINESS OWNERS &#38; RESTRICTED STOCK RECIPIENTS]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Challenges Unique to Professionals Consider challenges that are unique to your profession. For example, if you are a medical professional, your student loans may have prevented you from funding an investment account. If debt is still a concern, create a plan to reduce your debt while also funding an investment portfolio. If you have a busy schedule, consider collaborating with an advisor who understands the unique challenges of your career and can accommodate...]]></description><link>https://www.prestiqwealth.com/post/unique-challenges-faced-by-business-owners-restricted-stock-recipients</link><guid isPermaLink="false">69ed7ce9b502c05c43b8402b</guid><category><![CDATA[Financial Planning]]></category><pubDate>Sun, 26 Apr 2026 02:52:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_93584f7f488b410aa8de4db0f77e5d77~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[ESTATE PLANNING CHECKLIST]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Estate Planning Checklist   · Create a will or revocable trust. · Remember a revocable trust may allow you to avoid probate. · Review the beneficiaries of all your accounts to ensure they are up to date. · Take an inventory of all your assets and note how they are titled. · Determine whether you may be subject to federal and/or state estate taxes in the future. · Create and/or review your power of attorney (both financial and medical), living will, and HIPAA...]]></description><link>https://www.prestiqwealth.com/post/estate-planning-checklist</link><guid isPermaLink="false">69eba4b5b502c05c43b3ebff</guid><category><![CDATA[Estate Planning]]></category><pubDate>Fri, 24 Apr 2026 17:18:36 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_2bd94eb56b9f43978cf8968c3073807f~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[USING IRREVOCABLE TRUSTS TO LEVERAGE THE LIFETIME GIFT AND ESTATE TAX EXEMPTION]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Using Irrevocable Trusts to leverage the Lifetime Gift and Estate Tax Exemption Irrevocable trusts can potentially reduce estate taxes. Below is a list of trusts for your review.1,2,3,4 Consult an estate attorney to determine whether one of these is suitable for you. Grantor Retained Annuity Trust (GRAT): To potentially reduce taxes on distributions to family members. Irrevocable Life Insurance Trust (ILIT): Used for estate liquidity and removal of insurance...]]></description><link>https://www.prestiqwealth.com/post/using-irrevocable-trusts-to-leverage-the-lifetime-gift-and-estate-tax-exemption</link><guid isPermaLink="false">69eba3598d49bd7442f1f2b9</guid><category><![CDATA[Estate Planning]]></category><pubDate>Fri, 24 Apr 2026 17:12:52 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_f589280c92734dcdb0b61ebb230cc0a3~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[THE IMPORTANCE OF ESTATE PLANNING]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® The Importance of Estate Planning Estate planning should be part of your retirement plan. A proper estate plan will help to make sure your assets are distributed based upon your wishes after your death. If you have a large estate, estate planning might also help you minimize estate taxes. Finally, estate planning can help you avoid probate, which is the process of reviewing and distributing your assets.  Estate Planning Fundamentals Wills  A will is a legal...]]></description><link>https://www.prestiqwealth.com/post/the-importance-of-estate-planning</link><guid isPermaLink="false">69eba25a8d49bd7442f1f07b</guid><category><![CDATA[Estate Planning]]></category><pubDate>Fri, 24 Apr 2026 17:07:14 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_a1046c71d1e84898b2c6538f0ddc27c0~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[PLANNING FOR WEALTH TRANSFER]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Planning for Wealth Transfers Family Meetings Annual family meetings are a great way to pass on your knowledge and values regarding wealth creation and protection. Consider using family meetings to teach younger family members about topics such as investments, taxes, financial planning, and which questions to ask advisors. Estate Liquidity You should be mindful of liquidity in your estate, especially if your estate has assets that are difficult to liquidate....]]></description><link>https://www.prestiqwealth.com/post/planning-for-wealth-transfer</link><guid isPermaLink="false">69eba17e762b43f61824b5a0</guid><category><![CDATA[Estate Planning]]></category><pubDate>Fri, 24 Apr 2026 17:03:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_f4d2ad8618504ac78ffb2e9c96c5799d~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[STRATEGIES TO POTENTIONALLY REDUCE THE VALUE OF YOUR ESTATE]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Strategies To Potentially Reduce The Value Of Your Estate Gifting Gifting is another effective strategy to reduce the value of your estate and potential estate taxes. For example, you are allowed to give up to $18,000 a year (in 2024) to another person under the annual gift tax exclusion without reporting the gift to the IRS. If you are married, you are allowed to split your gift with your spouse, effectively doubling the amount you can give. However, if you...]]></description><link>https://www.prestiqwealth.com/post/strategies-to-potentionally-reduce-the-value-of-your-estate</link><guid isPermaLink="false">69eb9f218d49bd7442f1e8cd</guid><category><![CDATA[Estate Planning]]></category><pubDate>Fri, 24 Apr 2026 16:58:30 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_bd63b6c720b940fe9e1a38ddf54c6f6e~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[ INVESTMENT PLANNING CHECKLIST]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Investment Planning Checklist Review your projected risk and return. Do you hold an optimal portfolio? Will your projected returns help you meet your financial goals? Are you comfortable with the level of risk in your portfolio? Consider if alternative investment options (such as private equity, hedge funds, or structured notes) could help optimize your portfolio and if they are appropriate for you.   Create an emergency fund to cover unexpected expenses....]]></description><link>https://www.prestiqwealth.com/post/investment-planning</link><guid isPermaLink="false">69ea7deaa4755da14cbbed00</guid><category><![CDATA[Investment Planning]]></category><pubDate>Thu, 23 Apr 2026 20:19:31 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_18aa4acb7ad84c73b720843972617eec~mv2.png/v1/fit/w_1000,h_954,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[YOUR RISK TOLERANCE &#38; TIME HORIZON]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Risk Tolerance and Time Horizon When structuring your investment portfolio, be mindful of your risk tolerance and time horizon. We define risk tolerance as your willingness and ability to accept risk. Some investors may have substantial wealth yet are willing to take on only minimal risk due to personal comfort levels. Other investors have a low ability to take on risk because they rely on their portfolio for immediate income needs. Range of calendar-year...]]></description><link>https://www.prestiqwealth.com/post/your-risk-tolerance-time-horizon</link><guid isPermaLink="false">69ea7b4cbbc0f3ff74497cab</guid><category><![CDATA[Investment Planning]]></category><pubDate>Thu, 23 Apr 2026 20:14:23 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_5af1678215c44c6983798c48e5c083e7~mv2.png/v1/fit/w_1000,h_565,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[UNDERSTANDING YOUR INVESTMENT OPTIONS]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Investment Planning Investment planning is one of the most important tools you can use to pursue your retirement goals. Investment planning begins with your asset allocation, which plays a big role in both the risk you take and the returns you may receive. Asset allocation is defined as the mix of assets you own, such as stocks (equities), bonds (fixed income), alternative investments, and cash. Understanding Your Investment Options Stocks and Bonds One of...]]></description><link>https://www.prestiqwealth.com/post/understanding-your-investment-options-1</link><guid isPermaLink="false">69ea78cba3f320e0758f1b96</guid><category><![CDATA[Investment Planning]]></category><pubDate>Thu, 23 Apr 2026 20:03:12 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_c92cffe911b643dfb0961089c2542c77~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item><item><title><![CDATA[WHY YOU SHOULD AVOID EMOTIONAL INVESTING]]></title><description><![CDATA[By Louis Green, CFA®, CFP®, CRPS® Emotional Investing Selling in market declines for emotional reasons can often times be a mistake. Market returns can be unpredictable. As highlighted in the chart below, the S&#38;P 500 returned 7.67% on average from 6/30/99 to 6/30/24. However, an investor in the S&#38;P 500 who missed only the best 10 days in those 25 years had a return of 4.36% on average per year. Missing fifty of those best days produced a negative return of -2.30% on average per year. Think of...]]></description><link>https://www.prestiqwealth.com/post/why-should-avoid-emotional-investing</link><guid isPermaLink="false">69ea7515a4755da14cbbd973</guid><category><![CDATA[Investment Planning]]></category><pubDate>Thu, 23 Apr 2026 19:49:58 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/a76b44_319a17c4c8b64de59f8479d5e3ecae29~mv2.png/v1/fit/w_1000,h_953,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator></dc:creator></item></channel></rss>