https://wm.calamos.com/newsinsights/advice-and-planning-insights/Calamos Wealth Management provides advice and planning insightsen-usTue, 21 Apr 2026 07:17:41 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/special-needs-trusts-preserving-wealth-while-protecting-benefits/https://wm.calamos.com/newsinsights/advice-and-planning-insights/special-needs-trusts-preserving-wealth-while-protecting-benefits/Discover how thoughtful planning may help enhance your loved one's quality of life while potentially preserving access to essential benefits.Tue, 03 Mar 2026 20:48:26 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/2026-federal-tax-reference-guide/https://wm.calamos.com/newsinsights/advice-and-planning-insights/2026-federal-tax-reference-guide/Tax planning becomes more powerful when you understand the current year's limits and thresholds. Stay informed by viewing our current guide.Fri, 13 Feb 2026 20:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/comparing-retirement-plans/https://wm.calamos.com/newsinsights/advice-and-planning-insights/comparing-retirement-plans/There are many options when it comes to retirement plans, and selecting the right one for your needs can be confusing.Fri, 13 Feb 2026 19:45:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/potential-tax-savings-through-cash-balance-pension-plans/https://wm.calamos.com/newsinsights/advice-and-planning-insights/potential-tax-savings-through-cash-balance-pension-plans/Many business owners and entrepreneurs are seeking ways to maximize their retirement plan savings. A cash balance pension plan could be the solution.Fri, 13 Feb 2026 18:10:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/year-end-financial-planning-checklist/https://wm.calamos.com/newsinsights/advice-and-planning-insights/year-end-financial-planning-checklist/Make sure you are well-positioned by evaluating your financial plan before year end.Mon, 05 Jan 2026 17:20:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/barrons-you-sold-at-a-loss-how-to-cut-your-tax-bill-and-help-others/https://wm.calamos.com/newsinsights/advice-and-planning-insights/barrons-you-sold-at-a-loss-how-to-cut-your-tax-bill-and-help-others/When markets hand you lemons, make lemonade—and help others too. Learn the powerful strategy that transforms investment losses into significant tax benefits.Mon, 07 Jul 2025 14:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/net-unrealized-appreciation-forgotten-retirement-strategy/https://wm.calamos.com/newsinsights/advice-and-planning-insights/net-unrealized-appreciation-forgotten-retirement-strategy/Retiring with company stock in your employer plan? You may be missing a powerful tax-saving opportunity that few advisors discuss. Utilizing Net Unrealized Appreciation (NUA) could help you diversify concentrated stock positions while potentially saving six figures in taxes compared to traditional rollovers.Fri, 09 May 2025 18:30:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/trump-administration-tax-policy-and-budget-proposals-the-first-30-days/https://wm.calamos.com/newsinsights/advice-and-planning-insights/trump-administration-tax-policy-and-budget-proposals-the-first-30-days/Major tax changes proposed by the Trump administration could transform your financial landscape in 2025 and beyond. Discover what these proposals mean for your investments, retirement planning, and tax strategy—and how to position yourself for potential opportunities.Thu, 27 Feb 2025 17:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/2025-federal-tax-reference-guide/https://wm.calamos.com/newsinsights/advice-and-planning-insights/2025-federal-tax-reference-guide/Stay ahead in 2025 with our Tax Reference Guide. Get the latest updates on income, estate, and investment taxes to make informed decisions all year long.Wed, 08 Jan 2025 16:20:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/a-comprehensive-approach-to-concentrated-stock-positions/https://wm.calamos.com/newsinsights/advice-and-planning-insights/a-comprehensive-approach-to-concentrated-stock-positions/There are multiple ways to approach a concentrated position, and considering both planning and investment angles will help you find a solution that aligns with your goals and needs.Thu, 26 Sep 2024 17:45:07 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/estate-planning-when-a-spouse-is-a-non-us-citizen/https://wm.calamos.com/newsinsights/advice-and-planning-insights/estate-planning-when-a-spouse-is-a-non-us-citizen/We can help clients married to non-US citizens understand the tax and inheritance laws of relevant countries to optimize the distribution of wealth during life and death.Thu, 18 Jul 2024 19:40:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/2024-federal-tax-reference-guide/https://wm.calamos.com/newsinsights/advice-and-planning-insights/2024-federal-tax-reference-guide/Navigate the 2024 tax year with confidence using our comprehensive Tax Reference Guide. Discover the latest income, estate and investment tax guidelines to make informed decisions throughout the year.Thu, 21 Mar 2024 16:57:19 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/building-more-resilient-portfolios-with-private-alternatives/https://wm.calamos.com/newsinsights/advice-and-planning-insights/building-more-resilient-portfolios-with-private-alternatives/Explore the role of private alternatives in investment portfolios.Fri, 15 Sep 2023 21:15:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/secure-2.0--understanding-changes-and-challenges-to-the-new-catch-up-provisionshttps://wm.calamos.com/newsinsights/advice-and-planning-insights/secure-2.0--understanding-changes-and-challenges-to-the-new-catch-up-provisionsSECURE Act 2.0 expands upon one of the most wide-sweeping retirement legislations passed in the US. Starting in 2024, the provisions may cause significant changes to "catch-up" contributions.Wed, 09 Aug 2023 14:41:45 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/secure-act-2-highlights/https://wm.calamos.com/newsinsights/advice-and-planning-insights/secure-act-2-highlights/SECURE Act 2.0 includes many changes aimed at helping Americans save more effectively for retirement.Thu, 12 Jan 2023 19:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/2023-federal-tax-reference-guide/https://wm.calamos.com/newsinsights/advice-and-planning-insights/2023-federal-tax-reference-guide/Updated for the 2022 tax year, the guide provides a convenient reference for tax preparers and is broken down by income, Investment, Retirement, Charitable Gifts and Estates.Wed, 04 Jan 2023 15:52:11 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/2022-federal-tax-reference-guide/https://wm.calamos.com/newsinsights/advice-and-planning-insights/2022-federal-tax-reference-guide/Updated for the 2021 tax year, the guide provides a convenient reference for tax preparers and is broken down by Income, Investment, Retirement, Charitable Gifts and Estates.Thu, 10 Feb 2022 16:15:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/2021-federal-tax-reference-guide/https://wm.calamos.com/newsinsights/advice-and-planning-insights/2021-federal-tax-reference-guide/Updated for the 2020 tax year, the guide provides a convenient reference for tax preparers and is broken down by Income, Investment, Retirement, Charitable Gifts and Estates.Thu, 21 Jan 2021 15:51:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/steps-to-take-when-a-loved-one-passes/https://wm.calamos.com/newsinsights/advice-and-planning-insights/steps-to-take-when-a-loved-one-passes/To assist with this difficult time, we have organized a timeline with key action steps to reduce transition complications and ensure more stability for the survivors.Wed, 17 Jun 2020 18:23:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/seven-questions-to-assess-your-readiness-for-retirement/https://wm.calamos.com/newsinsights/advice-and-planning-insights/seven-questions-to-assess-your-readiness-for-retirement/At age 55, it’s helpful to consider seven important topics, both individually and in conversation with family. Doing so can help guide you to a fulfilling retirement.Mon, 24 Feb 2020 09:31:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/spousal-lifetime-access-trusts-slats/https://wm.calamos.com/newsinsights/advice-and-planning-insights/spousal-lifetime-access-trusts-slats/The Spousal Lifetime Access Trust (SLAT) is a flexible estate planning tool that can provide families wealth stability, though it should be employed within overall goals.Thu, 05 Dec 2019 19:23:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/create-a-family-mission-statement/https://wm.calamos.com/newsinsights/advice-and-planning-insights/create-a-family-mission-statement/Even if you remain skeptical about mission statements in the corporate world, open your mind to the possibility that a mission statement could help your family.Wed, 06 Nov 2019 19:24:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/the-grantor-retained-annuity-trust/https://wm.calamos.com/newsinsights/advice-and-planning-insights/the-grantor-retained-annuity-trust/Learn how a Grantor Retained Annuity Trust (GRAT) can freeze the value of an asset while passing the appreciation of that asset onto beneficiaries free of gift and estate tax.Wed, 06 Nov 2019 19:23:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/retirement-catch-up-women-behind-on-retirement-savings/https://wm.calamos.com/newsinsights/advice-and-planning-insights/retirement-catch-up-women-behind-on-retirement-savings/Many aging women worry about running out of money, and single women face additional risks. Learn steps you can take to reduce this retirement savings gap and live securely.Tue, 01 Oct 2019 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/philanthropy-charitable-giving-strategy/https://wm.calamos.com/newsinsights/advice-and-planning-insights/philanthropy-charitable-giving-strategy/The word philanthropy derives from a Greek word meaning "love of mankind." Philanthropic acts, therefore, imply a humanitarian vision that "sees ahead" toward an objective.Fri, 13 Sep 2019 17:39:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/common-college-funding-pitfalls/https://wm.calamos.com/newsinsights/advice-and-planning-insights/common-college-funding-pitfalls/Take care to avoid common pitfalls in funding higher education that can result in forfeiting substantial tax benefits or paying far higher bills than anticipated.Wed, 11 Sep 2019 17:39:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/case-for-appointing-a-corporate-co-trustee/https://wm.calamos.com/newsinsights/advice-and-planning-insights/case-for-appointing-a-corporate-co-trustee/Based on consultation with advisors and legal professionals, you need to weigh the benefits of involving a corporate trustee and decide who is best suited for this role.Tue, 30 Jul 2019 19:02:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/more-than-men-women-want-to-understand-the-risks-theyre-taking/https://wm.calamos.com/newsinsights/advice-and-planning-insights/more-than-men-women-want-to-understand-the-risks-theyre-taking/Women are more likely to ask probing questions about the risk implications of portfolio choices but don’t necessarily shy away from taking on risk when appropriate.Fri, 21 Jun 2019 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/fine-and-rare-wine/https://wm.calamos.com/newsinsights/advice-and-planning-insights/fine-and-rare-wine/We are pleased to present this topic paper on collecting rare and fine wines. It's a nice primer for those who are curious and those considering investing in a vintage.Mon, 20 May 2019 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/art-buy-smart-own-smart-plan-smart/https://wm.calamos.com/newsinsights/advice-and-planning-insights/art-buy-smart-own-smart-plan-smart/While investing in art isn’t new, the trend has been growing as a way to diversify portfolios with alternative investments that are aligned with buyers’ passion or goals.Thu, 11 Apr 2019 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/finances-after-40/https://wm.calamos.com/newsinsights/advice-and-planning-insights/finances-after-40/Women, on average, have 42% less in retirement income than men. Our financial advisors offer practical steps that women over 40 can take to meet their retirement needs.Wed, 13 Mar 2019 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/raising-kids-to-be-financially-responsible-at-every-stage-of-life/https://wm.calamos.com/newsinsights/advice-and-planning-insights/raising-kids-to-be-financially-responsible-at-every-stage-of-life/Teaching financial literacy to children takes effort but sharing concepts such as saving and budgeting can lay a foundation of financial responsibility for adulthood.Wed, 19 Dec 2018 06:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/caring-for-aging-parents/https://wm.calamos.com/newsinsights/advice-and-planning-insights/caring-for-aging-parents/As a wave of boomers age, more Americans will require elder care. There are important steps that families can take now to prepare for this inevitable event.Tue, 20 Nov 2018 06:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/gifts-to-family-and-charities-during-your-lifetime/https://wm.calamos.com/newsinsights/advice-and-planning-insights/gifts-to-family-and-charities-during-your-lifetime/Contemplating making a substantial gift to your children or a charity? This installment of Family Matters can help you address practical considerations and avoid pitfalls.Tue, 13 Nov 2018 06:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/practical-suggestions-for-co-managing-finances-with-a-spouse/https://wm.calamos.com/newsinsights/advice-and-planning-insights/practical-suggestions-for-co-managing-finances-with-a-spouse/No matter how you and your spouse divide responsibilities, make sure you aren’t removed from family finances. Here are some practical suggestions for acting as co-managers.Thu, 18 Oct 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/what-really-happens-if-i-die-without-a-will/https://wm.calamos.com/newsinsights/advice-and-planning-insights/what-really-happens-if-i-die-without-a-will/If history is any guide, the aftermath will be acrimonious—to say the least. The consequences of dying without a will can disrupt lives in very consequential ways.Tue, 16 Oct 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/the-financial-realities-of-living-longer/https://wm.calamos.com/newsinsights/advice-and-planning-insights/the-financial-realities-of-living-longer/As people live longer, their expectations about both saving and spending need to change too. How do you address the risk of running out of money in retirement?Thu, 11 Oct 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/should-you-try-to-compel-specific-behavior-through-trust-provisions/https://wm.calamos.com/newsinsights/advice-and-planning-insights/should-you-try-to-compel-specific-behavior-through-trust-provisions/To address the fear of raising a “trust fund baby,” we put together an overview on Incentive Trusts for times when a few guardrails may be needed when transferring wealth.Tue, 11 Sep 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/love-marriage/https://wm.calamos.com/newsinsights/advice-and-planning-insights/love-marriage/Attorney Leah D. Setzen of Grunyk Family Law and Wealth Advisor Christina Castrejon, CFP® touch on issues too important to go unaddressed concerning marriage and divorce.Tue, 11 Sep 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/common-reasons-estate-plans-fail/https://wm.calamos.com/newsinsights/advice-and-planning-insights/common-reasons-estate-plans-fail/To help ensure that accumulated wealth is not diminished due to mistakes and oversights, we’ve gathered a few tips to help you assess whether your estate plans are in order.Fri, 17 Aug 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/where-to-begin/https://wm.calamos.com/newsinsights/advice-and-planning-insights/where-to-begin/For women who may be new to managing wealth or need convincing that engaging with our advisors is important and necessary—we begin with the question “Where to Begin?“Tue, 14 Aug 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/keeping-the-family-in-family-business/https://wm.calamos.com/newsinsights/advice-and-planning-insights/keeping-the-family-in-family-business/This is essential reading for anyone who has built a business—and wants to ensure a smooth transition while preserving value and maintaining family harmony.Tue, 07 Aug 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/how-time-can-warp-money/https://wm.calamos.com/newsinsights/advice-and-planning-insights/how-time-can-warp-money/“I want it now, please!” We explore the cognitive bias of immediate gratification (versus delayed gratification) and its impact in shaping our financial future. Tue, 10 Jul 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/trusts-estates/https://wm.calamos.com/newsinsights/advice-and-planning-insights/trusts-estates/Too often, trust and estate planning decisions are misunderstood by beneficiaries. In this article, we discuss practicals to help ensure that “trusts don’t imply mistrust.”Thu, 17 May 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/building-and-maintaining-credit/https://wm.calamos.com/newsinsights/advice-and-planning-insights/building-and-maintaining-credit/Credit is a powerful tool. Learning to use it effectively should be handed down through generations, which means helping your young adults get started on the right path.Thu, 12 Apr 2018 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/money-wealth-conversations/https://wm.calamos.com/newsinsights/advice-and-planning-insights/money-wealth-conversations/Money talk can be awkward between generations, so we asked our experts for ideas on teaching children sound money attitudes and preparing young adults for stewardship.Tue, 27 Feb 2018 06:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/real-estate-through-a-generational-lens/https://wm.calamos.com/newsinsights/advice-and-planning-insights/real-estate-through-a-generational-lens/Questions about real estate arise at every life stage, so we asked our experts to list considerations for people in three categories: starting out, middle aged, and retired.Mon, 15 Jan 2018 06:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/7-tips-to-protect-your-identity/https://wm.calamos.com/newsinsights/advice-and-planning-insights/7-tips-to-protect-your-identity/We know that our clients’ financial lives extend beyond our firm and, therefore, we want to provide suggestions that promote personal security wherever information is shared.Fri, 22 Sep 2017 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/vital-planning-tips-for-when-children-reach-the-milestone-of-age-18/https://wm.calamos.com/newsinsights/advice-and-planning-insights/vital-planning-tips-for-when-children-reach-the-milestone-of-age-18/At this milestone in a young person's life, parents should review of their own financial and estate plans as well as help the young adult child plan a future driven by their own decisions.Thu, 09 Jun 2016 05:00:00 Zhttps://wm.calamos.com/newsinsights/advice-and-planning-insights/establishing-florida-residency-for-tax-savings/https://wm.calamos.com/newsinsights/advice-and-planning-insights/establishing-florida-residency-for-tax-savings/Once you relocate to Florida to take advantage of its favorable tax status—no state income and inheritance tax—there are several steps you should take to establish residency.Thu, 21 Apr 2016 05:00:00 Z