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By David D’Albero

We’ve all heard the pitch before: Certificates of Deposit (CDs) are the go-to for safety-conscious investors. Fixed returns, FDIC insurance, no market volatility – what’s not to love?

Well… it depends who you are.

For many investors, CDs do offer a sense of predictability. But for high-income earners – especially those living in high-tax states like New York, New Jersey, or California – the numbers may tell a very different story.

And as I often tell clients at Strata Capital: just because something feels “safe” doesn’t mean it’s actually smart.

In this post, we’ll break down what CDs really deliver after taxes, why they might be quietly costing you more than you realize, and what alternatives may offer more strategic, tax-conscious value.

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Why CDs Seem So Popular

Let’s start with the appeal. For many investors, especially those in retirement or looking for simplicity, CDs have long been considered a financial comfort food — low maintenance and predictable.

Here are a few reasons CDs are still widely used:

• Guaranteed Returns – Your principal is secure, and you receive a fixed interest rate over a set period.
• No Market Risk – Unlike equities or bonds, CDs are not impacted by market fluctuations.
• Set-It-and-Forget-It Simplicity – No ongoing decisions, rebalancing, or second-guessing.

For someone in a lower tax bracket, that all sounds pretty appealing – and in certain cases, CDs still make sense. But if you’re a high-income professional with a six- or seven-figure income, here’s the piece that often gets missed:

CDs are taxed as ordinary income – not capital gains – which could cut your returns nearly in half.

Let’s Do the Math: A CD’s True Return

Let’s take a simple example.

Say you invest $100,000 in a CD earning 5% interest annually. That’s a $5,000 return in gross income.

Now, let’s assume you live in New York and you’re in the top tax bracket.

Here’s how that interest income might be taxed:

• Federal Income Tax (37%) = $1,850
• State Income Tax (~6%) = $300
• Net Investment Income Tax (NIIT, 3.8%) = $190
• Total Tax = $2,340

So, what’s your real return?

$5,000 – $2,340 = $2,660 net, or just 2.66%.

And if you live in New York City, where local taxes tack on another layer, your effective return could drop to 2.5% or less.

The Hidden Tax Trap of CDs for High Earners

To be clear, CDs aren’t bad – they’re just often not efficient for high earners. The issue isn’t the product itself; it’s how it fits (or doesn’t) within your larger financial picture.

CDs can be deceptively simple. But what they offer in peace of mind, they often take back in lost after-tax performance – particularly when you have a higher income, more complex tax exposure, and access to more efficient options.

This is especially true when other strategies exist that allow you to retain more of what you earn without taking on undue risk.

Smarter Alternatives: Municipal Bonds & U.S. Treasuries

If capital preservation and income are your goals – and tax efficiency is a concern (it should be) – it may be worth considering:

1. Municipal Bonds (Munis)

Municipal bonds are issued by state and local governments, and they offer one major advantage: interest income is generally exempt from federal income tax.

And if you purchase muni bonds issued by your state of residence? You may avoid state and local taxes as well.

Let’s compare:

• A CD yielding 5% may net you 2.5%–3% after taxes.
• A municipal bond yielding 3.5% tax-free is often equivalent to a 5.5%–6% taxable return for high earners.

That’s a significant difference – especially when compounded over time.

Important Note: Municipal bonds aren’t risk-free. Their performance can be impacted by the financial health of the issuing municipality, interest rate changes, and other market factors. It’s important to evaluate the credit quality and duration of any bond you consider. At Strata Capital, we help clients assess this as part of a broader, diversified fixed-income strategy.

2. U.S. Treasuries

Another strong option for conservative, tax-conscious investors: U.S. Treasury securities.

Treasuries are:

• Backed by the U.S. government (arguably the safest credit risk available)
• Exempt from state and local income taxes
• Frequently competitive with CD yields

In high-tax states, this state tax exemption can have a meaningful impact on your net return – again, especially for top earners.

So, Who Should Still Consider CDs?

CDs can still serve a purpose for certain investors. For example:

• Those in lower tax brackets
• Individuals with very short-term savings goals
• Investors with a low risk tolerance who want full FDIC protection
• People who need a specific cash flow ladder and value principal guarantees

But if you’re reading this and you’re a corporate executive, business owner, or high-income professional in a high-tax environment, you likely have better options.

The Bottom Line: Efficiency Matters More Than “Safety”

The financial world is full of products that seem safe but don’t actually serve your goals when viewed through a tax-aware, comprehensive lens. CDs fall squarely into that category for many affluent investors.

At Strata Capital, we specialize in helping high-income earners make better financial decisions – not just based on yield or risk, but on how each piece of your financial puzzle fits together. That includes evaluating the tax impact, coordinating with your CPA, and crafting investment strategies that align with your lifestyle and goals.

Because at the end of the day, it’s not about chasing the highest number – it’s about keeping more of what you earn and simplifying your financial life with smart, intentional choices.

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Disclosures & Compliance Notes

This content is provided for educational purposes only and should not be construed as investment, tax, or legal advice. All investments carry risk, and past performance is not indicative of future results. The examples provided are hypothetical and do not guarantee any specific outcome. Before making any financial decision, please consult with a licensed professional who understands your unique financial situation.

Need Help Reviewing Your Investment Strategy?

At Strata Capital, we offer concierge-level financial planning designed specifically for high-income professionals. If you’re navigating stock options, deferred compensation, or just trying to cut through the noise of conflicting financial advice – we’re here to help.

Reach out for a consultation, and let’s explore a more efficient path forward.

By David C. D’Albero II

If you’re like many successful executives today, you know that real wealth management isn’t about following the crowd — it’s about finding smart, strategic moves that set you apart. One of the most overlooked opportunities? The Roth IRA.

Even if you’re a high earner and have phased out of making direct Roth contributions, there are still creative ways to take advantage of what may be the most powerful tool in long-term, tax-free wealth building.

At Strata Capital, we believe in pulling back the curtain on strategies that most traditional advisors don’t talk about — and in creating a higher standard for how wealth should be managed. Here are three Roth strategies worth paying attention to as we head into 2025.

Using After-Tax Contributions From Your 401(k)

Most people think once they hit the regular 401(k) limit — $23,500 if you’re under 50 or $31,000 if you’re over 50 — they’re done. But for those with the right kind of 401(k) plan, that’s just the beginning.

If your company’s 401(k) allows after-tax contributions, you can go above and beyond the standard limits. Even better, those after-tax dollars can often be rolled into a Roth IRA, sometimes immediately. Think of it as a turbocharged Roth contribution — significantly more powerful than the standard route.

For example, let’s say you max out your pretax 401(k) contributions and your plan allows an additional $20,000 in after-tax contributions. Rather than leaving that money inside the 401(k), where future withdrawals might be taxed, you could roll it into a Roth IRA each year, setting yourself up for decades of tax-free growth.

Not every plan offers this feature, so it’s important to review your 401(k) options carefully. Done properly, this strategy can create a major boost in future tax-free income.

The Backdoor Roth Contribution

For high-income earners, direct Roth contributions are often off the table. But the Backdoor Roth strategy offers a smart, perfectly legal workaround.

The process is simple. First, you make a non-deductible contribution to a traditional IRA — up to $7,000 if you’re under 50 or $8,000 if you’re over 50. Then, you immediately convert those funds into a Roth IRA.

If you don’t already have a large balance in traditional IRAs, this process can be relatively seamless. However, if you do have significant pretax dollars sitting in traditional IRAs, you’ll need to watch out for the pro-rata rule, which can create a partial tax bill when converting. This is where planning ahead — and potentially consolidating accounts or making strategic moves — can make a big difference.

The beauty of the Backdoor Roth is that it allows high earners to continue building Roth assets even when income limits would otherwise stand in the way. Over time, having a tax-free pool of assets to draw from in retirement can give you enormous flexibility — especially if tax rates rise in the future.

Opening a Roth IRA for Your Child

When people think about Roth IRAs, they often think about retirement planning for themselves. But opening a Roth IRA for your child is one of the most powerful legacy-building moves you can make.

The rules are straightforward: if your child has earned income from a job — mowing lawns, babysitting, tutoring, or part-time work — they’re eligible to contribute to a Roth IRA. The contribution limit is the lesser of their earned income or the standard IRA contribution limit.

Imagine your teenager earns $2,000 over the summer. You can help them contribute that $2,000 into a Roth IRA. Left untouched, that one contribution could potentially grow into over $100,000 by the time they reach retirement age, assuming a modest average annual return. And if they contribute for a few more years during high school or college? The compounding potential is enormous.

Besides the financial benefit, this strategy plants the seeds of smart financial behavior early. It teaches the value of saving, investing, and thinking long-term — skills that will serve them for a lifetime.

Why Timing Matters

All of these strategies are available today, but they may not be available forever. Tax laws change. Political priorities shift. Windows of opportunity close.

Taking action now can position you — and your family — to capture the full benefits of tax-free growth while it’s still possible. These moves aren’t about taking risks. They’re about using the rules strategically to strengthen your long-term financial foundation.

Of course, no one’s financial situation is exactly the same. That’s why at Strata Capital, we don’t believe in one-size-fits-all advice. We work with each client to design a plan that fits their career stage, their wealth goals, and their vision for the future — coordinating retirement planning, investment strategy, tax planning, and legacy building into one seamless, personalized experience.

If you’d like to explore how these Roth strategies could fit into your overall plan, we’re here to help.

Strata Capital is a wealth management firm serving corporate executives, professionals, and entrepreneurs in the New York Tri-State Area, focusing on corporate benefits and executive compensation. Co-founded by David D’Albero and Carmine Coppola, the firm specializes in making the complex simple to ensure clients feel confident in their financial decisions. They can be reached by phone at (212) 367-2855, via email at carmine@stratacapital.co, or by visiting their website at stratacapital.co.

Cornerstone Planning Group, Inc., (“CSPG”) is an SEC registered investment advisory firm. The information contained herein should not be construed as personalized investment advice and should not be considered as a solicitation for investment advisory service. The information (e.g., tax ) provided is believed to be accurate however CSPG does not guarantee or otherwise warrant such information. For more information regarding CSPG you can refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov) and review our Form ADV Brochure and other disclosures.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

By Carmine Coppola

Selling your home can be one of the most rewarding financial moves you make — but it can also lead to an unexpected tax bill if you’re not prepared.

For many New Jersey homeowners, the surge in property values over the past several years has created significant equity. According to the New Jersey Association of Realtors, the median sales price of a single-family home in New Jersey reached $525,000 as of March 2025, up nearly 22% since early 2022 (NJAR Housing Statistics, March 2025).

That’s great news if you’re selling — but it also means capital gains tax could become a very real, very expensive issue.

Fortunately, with proper planning, you can potentially avoid or minimize capital gains taxes and keep more of your hard-earned profit.

Understanding Capital Gains Tax on Home Sales

When you sell your home for more than you paid for it (plus improvements), the difference is a capital gain. The IRS taxes these gains based on how long you held the property:

• Short-term capital gains (ownership less than one year) are taxed at your ordinary income tax rate — up to 37% for high earners (IRS Topic No. 409).
• Long-term capital gains (ownership greater than one year) are taxed at reduced rates: typically 15% or 20% depending on your taxable income (IRS Capital Gains Tax Rates, 2025).

Owning your property for at least one year before selling can make a significant difference in your after-tax profits.

The $250,000/$500,000 Capital Gains Exclusion

If you are selling your primary residence, you may qualify to exclude part of your gain from taxes:

• $250,000 of gain for single filers
• $500,000 of gain for married couples filing jointly

This exclusion applies if you:

• Owned the home for at least two of the last five years,
• Lived in the home as your primary residence for at least two of those years,
• Haven’t excluded gain from another home sale within the last two years.

These conditions are outlined clearly in IRS Topic No. 701.

In a market like New Jersey, where property values have appreciated sharply in high-demand areas such as Bergen County, Monmouth County, and Essex County, this exclusion is more important than ever.

Real-World New Jersey Scenarios

Scenario 1: The Commuter Condo Owner
Amelia bought a Jersey City condo in 2017 for $400,000. She lived there for three years before renting it out. In 2025, she sells it for $700,000. Because she met the ownership and use test, she qualifies for the $250,000 exclusion, shielding most of her $300,000 gain from taxes.

Scenario 2: Long-Term Owners in Short Hills
Frank and Elena have owned their Short Hills home since 1980, purchased at $180,000. They now sell for $2 million. Thanks to the $500,000 exclusion, and careful planning to adjust their cost basis through documented home improvements, they significantly reduce their taxable gain.

Scenario 3: The Short Sale Mistake
Anthony and Lisa bought a second home at the Jersey Shore in 2024 and sold it in 2025 for a gain. Because they didn’t meet the two-year ownership requirement, their gain was fully taxable as short-term capital gains at ordinary income tax rates.

How to Reduce Capital Gains Taxes in New Jersey

1. Increase Your Cost Basis
   Add the value of eligible home improvements to your original purchase price — this reduces the taxable portion of your gain. Improvements include renovations like new roofs, kitchens, and HVAC systems (IRS Publication 523).
2. Consider a 1031 Exchange (For Investment Properties)
   If you sell a New Jersey investment property, you can defer capital gains taxes by purchasing another like-kind investment property within the IRS timelines (IRS Like-Kind Exchanges).
3. Plan Smart Estate Transfers
   New Jersey no longer has an estate tax, but it does still impose an inheritance tax depending on the beneficiary relationship (State of New Jersey – Inheritance Tax).
   Passing property through an estate plan with a stepped-up basis can eliminate years of taxable gains.

Why Local Expertise Matters

New Jersey’s housing market is unique. High property values in suburban NYC commuter towns like Montclair, Summit, and Ridgewood mean that even modest homes can trigger six-figure gains.

And New Jersey’s layered tax system — including property taxes (the highest median property tax bill in the U.S. per WalletHub 2025) — makes strategic planning essential.

Selling a home without understanding these nuances could mean an unexpected tax bill that easily eats away your hard-earned equity.

The Bottom Line

Selling your home — whether in New Jersey’s bustling suburbs or along the Shore — is a major financial event. With the right guidance, you can preserve more of your wealth, minimize taxes, and ensure you keep what you’ve built.

At Strata Capital, we specialize in helping high-income professionals and executives navigate complex financial situations with clarity and confidence.
If you’re considering a sale in the next 12–24 months, let’s have a conversation about how to protect your profits.

Strata Capital is a wealth management firm serving corporate executives, professionals, and entrepreneurs in the New York Tri-State Area, focusing on corporate benefits and executive compensation. Co-founded by David D’Albero and Carmine Coppola, the firm specializes in making the complex simple to ensure clients feel confident in their financial decisions. They can be reached by phone at (212) 367-2855, via email at carmine@stratacapital.co, or by visiting their website at stratacapital.co.

Cornerstone Planning Group, Inc., (“CSPG”) is an SEC registered investment advisory firm. The information contained herein should not be construed as personalized investment advice and should not be considered as a solicitation for investment advisory service. The information (e.g., tax ) provided is believed to be accurate however CSPG does not guarantee or otherwise warrant such information. For more information regarding CSPG you can refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov) and review our Form ADV Brochure and other disclosures.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

By David C. D’Albero II

When planning for your children’s education, a 529 college savings plan is one of the most powerful tools at your disposal. But a common question we hear is: Are contributions to a 529 plan tax-deductible?

The short answer? Not on your federal income taxes. However, depending on your state of residence, you may be eligible for valuable tax benefits. In this article, we’ll break down the key considerations when contributing to a 529 plan, highlight potential tax advantages, and provide guidance on integrating college savings into your broader financial strategy.

Understanding the 529 Plan: Tax Treatment and Growth Benefits

A 529 plan is a tax-advantaged savings plan designed to encourage saving for future education costs. While federal tax law does not allow deductions for contributions, the real benefit lies in how the money grows and is ultimately used.

Tax-Free Growth – Any investment earnings within a 529 plan grow tax-free, as long as the funds are used for qualified educational expenses.

Tax-Free Withdrawals – Distributions used for tuition, books, room and board, and other eligible education costs are completely tax-free at the federal level.

State Tax Benefits – Many states offer deductions or credits on contributions, reducing your overall tax burden.

Even though you can’t deduct contributions on your federal taxes, the combination of tax-free growth, tax-free withdrawals, and possible state tax benefits makes a 529 an effective way to save for education.

State Tax Deductions: Do You Qualify?

Every state has different rules regarding tax deductions or credits for 529 contributions. Here’s what you need to know:

Some states offer tax deductions or credits Over 30 states provide some level of tax deduction or credit for 529 contributions. Deduction limits vary, often ranging from $1,000 to $10,000 per year per taxpayer.

You may have to use your home state’s plan Some states require you to contribute to their specific 529 plan to qualify for tax benefits. Others allow tax benefits regardless of which state’s plan you use.

Several states offer tax deductions or credits for contributions made to any state’s 529 plan, rather than restricting benefits to their own plans. This flexibility, known as “tax parity,” allows residents to select the 529 plan that best fits their needs without losing out on state tax advantages.

The states that allow this include: Arizona, Arkansas, Kansas, Maine, Minnesota, Missouri, Montana, Ohio, Pennsylvania

For instance, Pennsylvania permits residents to deduct contributions to any 529 plan from their state taxable income, while Arizona also provides a state tax deduction for contributions to out-of-state plans. Because tax benefits and contribution limits vary by state, it’s best to review your state’s tax policies or consult a tax professional for specific details.

Non-residents may not receive benefits If you contribute to a 529 plan from a state where you don’t reside, you may not be eligible for tax deductions. In many states, contributors to a 529 plan can qualify for a tax break, regardless of account ownership. However, some states limit these benefits to the account owner, preventing grandparents, aunts, uncles, and other contributors from deducting their contributions or claiming tax credits.

Before contributing, check your state’s 529 plan rules. A simple search on your state’s department of taxation website or a conversation with a financial advisor can clarify the benefits available to you.

Maximizing Your 529 Contributions for Long-Term Growth

To get the most out of your 529 plan, consider these strategic steps:

Contribute Early and Often The earlier you start contributing, the more time your investments have to compound tax-free. Even modest contributions in the early years can grow significantly over time.

Example: Growth of a $10,000 Annual Contribution to a 529 Plan

Scenario:

A parent starts contributing $10,000 per year to a 529 plan when their child is 1 year old. They continue these contributions every year until the child turns 18 and is ready for college.

Assumptions:

• Annual Contribution: $10,000
• Investment Growth Rate: 7% per year (a typical long-term return for a balanced 529 portfolio)
• Contribution Period: 17 years (from age 1 to 18)
• Compounded Annually: Earnings reinvested
• No Withdrawals or Fees Considered

 

Final Outcome:

By the time the child turns 18, the 529 plan will have grown to approximately $350,311. This includes a total contribution of $170,000 ($10,000 x 17 years) and earnings of about $180,311 from investment growth.

Key Takeaways:

• The power of compounding plays a crucial role in growing college savings over time.
• Starting early provides a significant advantage, allowing investments to grow over nearly two decades.
• A 7% return assumption is based on historical market performance for a diversified investment portfolio. Actual returns may vary.
• Many states offer tax benefits for 529 contributions, which can further enhance savings.

Example: Funding a 529 Plan for Only the First 10 Years

Scenario:

A parent contributes $10,000 per year to a 529 plan for 10 years (until the child is 10 years old) and then stops making contributions. The money remains invested and continues to grow until the child turns 18 and is ready for college.

Assumptions:

• Annual Contribution: $10,000 (for 10 years only)
• Investment Growth Rate: 7% per year
• Total Contribution Period: 10 years
• Total Growth Period: 18 years (money continues compounding even after contributions stop)
• Compounded Annually: Earnings reinvested
• No Withdrawals or Fees Considered

 

Final Outcome:

By stopping contributions after 10 years but allowing the investments to grow, the 529 plan reaches $253,814 by the time the child turns 18.

• Total Contributions: $100,000 ($10,000 x 10 years)
• Total Growth: $153,814 from investment returns

Key Takeaways:

• Even if you stop contributing after 10 years, the power of compounding allows the investment to keep growing.
• Contributing early and letting investments grow can still provide a significant college fund without needing to contribute for 17+ years.
• Planning early means you don’t have to save as aggressively later.

Example: One-Time Lump Sum Contribution of $95,000 Using 5-Year Superfunding

Scenario:

A parent (or grandparent) contributes $95,000 to a 529 plan in a single year, using the 5-year gift tax exclusion to maximize tax-free contributions. The investment remains untouched and continues to grow until the child turns 18 and is ready for college.

Assumptions:

• Initial Lump Sum Contribution: $95,000
• Investment Growth Rate: 7% per year
• Compounded Annually: Earnings reinvested
• Total Growth Period: 17 years (until child turns 18)
• No Additional Contributions or Withdrawals

 

Final Outcome:

By the time the child turns 18, the one-time $95,000 contribution grows to approximately $321,097, with no additional deposits.

• Total Contributions: $95,000
• Total Growth: $226,097 from investment returns

Key Takeaways:

• Front-loading a 529 plan with a large contribution allows for maximum compounding over time.
• Compared to spreading out $10,000 contributions over 17 years (which resulted in $350,311), this method requires less total contribution while still producing a substantial college fund.
• This strategy is ideal for parents or grandparents with the financial ability to make a lump sum investment while taking full advantage of the 5-year gift tax exemption.
• If the funds remain unused, they can continue growing tax-free for future educational expenses or be transferred to another family member.

Take Advantage of State Tax Breaks If your state offers tax benefits, make sure you contribute enough each year to maximize your deduction or credit. If your state has a cap (e.g., $5,000 per taxpayer), structure contributions to take full advantage of this.

Choose a High-Quality 529 Plan Not all 529 plans are created equal. Consider investment options, fees, and plan flexibility. Plans with diversified portfolios can optimize growth, lower fees mean more of your money is working for you, and some plans allow broader use of funds, including K-12 education and apprenticeships.

Optimize Contributions for Estate Planning A unique feature of 529 plans is their estate planning benefit. You can contribute up to $19,000 per year per child (or $38,000 for married couples) without triggering gift taxes.

For those looking to make a larger contribution, the IRS allows “superfunding,” which enables you to contribute up to $95,000 ($190,000 for married couples) in one year and treat it as if it were spread over five years for tax purposes.

Ensure Proper Withdrawals To maintain tax-free status, withdrawals must be used for qualified education expenses. Non-qualified withdrawals are subject to income tax and a 10 percent penalty on earnings.

How to Claim Your 529 Tax Benefits

If your state provides a tax deduction or credit, claiming it typically involves the following steps:

Verify Your Eligibility – Confirm that your contributions qualify under your state’s tax laws.

Track Your Contributions – Keep records of all 529 deposits throughout the year.

Report Contributions on Your State Tax Return – Include your eligible contributions when filing.

Consult a Tax Professional – If you’re unsure about deductions, a CPA can ensure you’re maximizing benefits.

How 529 Plans Fit Into Your Broader Financial Strategy

529 plans are just one piece of the puzzle when it comes to financial planning. Here’s how they integrate with a larger wealth strategy:

Balancing Retirement and Education Savings While saving for your child’s education is important, funding your retirement should remain the top priority. You can take loans for college, but not for retirement.

Considering Other Savings Vehicles If your child may not need a full 529 plan, other accounts like Roth IRAs (for education and retirement) or a taxable investment account might offer more flexibility.

Using 529 Plans for More Than Just College Recent tax law changes now allow up to $10,000 per year to be used for K-12 tuition at private or religious schools. Additionally, up to $10,000 lifetime per beneficiary can be used to pay off student loans.

Final Thoughts: Smart 529 Contributions Can Lower Costs and Grow Wealth

A well-structured 529 plan strategy can make a significant impact on your family’s long-term financial well-being. Here’s a recap of the key takeaways:

529 contributions are not deductible on federal taxes, but many states offer tax benefits.

Check your state’s rules to see if you qualify for deductions or credits.

Start contributing early to maximize tax-free growth.

Use tax-smart strategies like contribution caps and estate planning benefits.

Ensure withdrawals are for qualified expenses to avoid penalties.

529 plans provide an efficient, tax-advantaged way to save for education while integrating into a high-net-worth financial strategy. By being proactive and informed, you can make every dollar count toward your child’s future.

If you have further questions about 529 plans or how to integrate them into your broader wealth management plan, reach out today. We specialize in strategic wealth solutions for corporate executives, ensuring your money works as hard as you do.

Watch the video above for more information. And remember to subscribe for financial tips.

Strata Capital is a wealth management firm serving corporate executives, professionals, and entrepreneurs in the New York Tri-State Area, focusing on corporate benefits and executive compensation. Co-founded by David D’Albero and Carmine Coppola, the firm specializes in making the complex simple to ensure clients feel confident in their financial decisions. They can be reached by phone at (212) 367-2855, via email at carmine@stratacapital.co, or by visiting their website at stratacapital.co.

Cornerstone Planning Group, Inc., (“CSPG”) is an SEC registered investment advisory firm. The information contained herein should not be construed as personalized investment advice and should not be considered as a solicitation for investment advisory service. The information (e.g., tax ) provided is believed to be accurate however CSPG does not guarantee or otherwise warrant such information. For more information regarding CSPG you can refer to the Investment Adviser Public Disclosure website (www.adviserinfo.sec.gov) and review our Form ADV Brochure and other disclosures.

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.