When investors think about building long-term wealth, they often focus on returns: finding great companies to invest in, allocating assets wisely, and staying invested. But there’s another powerful tool that may significantly impact your long-term results: tax deferral.
By justinyoung
For many business owners, selling a company is the largest financial event of their lifetime. Years of hard work finally turn into liquidity — and then reality sets in: capital gains taxes can take a significant bite out of the proceeds.
By justinyoung
You’ve probably heard “The stock market returns about 10% per year.” While that sounds great, in reality your portfolio doesn’t grow 10% per year and can mislead investors.
By justinyoung
For many small business owners, offering a 401(k) plan has historically felt expensive, complex, or out of reach. That perception is outdated and now businesses of any size can afford a 401(k) plan.
By justinyoung
Opening up about money with adult children works best when it’s a gradual, values-based conversation, not a one-time disclosure of numbers. Parents do not have to share precise dollar amounts, but clarity about intentions, structure, and roles can greatly reduce future conflict and confusion.
By justinyoung
For decades, residential real estate has been one of America’s favorite wealth-building tools. Rising home values, the appeal of owning something tangible, and generous leverage made real estate feel like a reliable investment path. But looking ahead, investors may need to rethink those assumptions.
By justinyoung
Target date funds (TDFs) are a popular “set-it-and-forget-it” option in many 401(k) plans.
By justinyoung
A Professional Guide to Correlation, Alternatives, and Long‑Term Portfolio Strength
By justinyoung
Each year, millions of students miss out on financial aid simply because they don’t complete the Free Application for Federal Student Aid (FAFSA) correctly—or at all.
By justinyoung
This past July, Congress passed the One Big Beautiful Bill Act (OBBBA). The Act addressed two main goals: extending tax breaks from the 2017 Tax Cuts and Jobs Act (TCJA) and delivering on campaign promises by the current administration.
By justinyoungOpal Advisors, LLC
3150 Richards Rd Suite 240,
Bellevue, WA 98005
Opal Advisors, LLC is a registered investment adviser. The adviser may not transact business in states where it is not appropriately registered or exempt from registration. Individualized responses to persons that involve either the effecting of transactions in securities or the rendering of personalized investment advice for compensation will not be made without registration or exemption.
Copyright © 2026 Opal Advisors, LLC. All Rights Reserved.
