CONTENT LIBRARY
The BWFA Longevity Optimizer Because Planning for Wealth Means Planning for Life
The most overlooked variable in retirement planning is not market performance, it’s longevity. For decades, the financial industry has focused on a single question: Will you have enough? At BWFA, we believe the better question is: How long, and how well, will you…
Stronger for the Years Ahead: Why Smart Strength Training Matters More Than Ever
There comes a point when fitness stops being about chasing personal records and starts being about protecting your future. The goals shift. Energy is precious. Joints demand respect. Strength becomes less about appearance and more about independence. That evolution is…
Inside The Decisions That Shape Your Financial Future A New Chapter for the Healthy, Wealthy, and Wise Podcast
Over time, the Healthy, Wealthy, and Wise podcast series explored a wide array of financial planning topics. As those conversations grew more nuanced, so has our vision for what this platform can offer you. Many of you listen during your day-to-day activities, while…
Financial Planning: How Can My Child Find Scholarships For College
Scholarships area preferred type of financial aid because they do not have to be repaid. There are basically two types of scholarships: financial need-based scholarships and merit-based scholarships awarded based on academic, athletic, musical, or artistic ability….
Tax Services: Net Unrealized Appreciation: The Untold Story
If you participate in a 401(k), employee stock ownership plan, or other qualified retirement plan that lets you invest in your employer’s stock, you need to know about net unrealized appreciation — a simple tax-deferral opportunity with an unfortunately…
Financial Planning: Gold & Silver: What Everyday Investors Should Understand Before Jumping In
Gold and silver have a certain appeal that never seems to fade. Whether it’s the shine of a gold bar or the idea of owning a “safe” asset during uncertain times, many investors feel drawn to precious metals. And today, you don’t even need a vault or a safe — you can…
Investment Management: Dollar Cost Averaging
If you haven’t started investing towards a long-term goal because you’re worried about short-term market volatility, consider using an investment strategy called dollar cost averaging. Dollar cost averaging takes some of the guesswork out of investing in…
President’s Address, Built On Trust, Guided By Purpose: Celebrating 40 Years of BWFA
As we mark 40 years of Baltimore- Washington Financial Advisors, I find myself reflecting not only on how far our firm has come, but on the people who made this journey possible. What began four decades ago as a small advisory practice has grown into something far…
BWFA Unveils Its Next-Generation Office Space
BWFA welcomed more than 400 clients, colleagues, and community partners to celebrate the grand opening of its new, state-of-the-art office. Guests explored the modern, collaborative space while enjoying an afternoon of conversation and connection. Attendees savored…
Tax Services: Will tax Law Changes Impact Your Giving Strategy
You may donate money to charitable organizations throughout the year, simply because you wish to support causes that you care about. However, beginning in 2026, a new set of tax rules will determine the deductibility of your donations and might affect how much you can…
Financial Planning: Sudden Wealth
What would you do with an extra $10,000? Maybe you’d pay off some debt, get rid of a college loan, or take a much-needed vacation. EVALUATE YOUR NEW FINANCIAL POSITION Just how wealthy are you? You’ll want to figure that out before you make any major life…
Investment Management: The Potential Benefits of Roth IRAs for Kids
Most teenagers probably aren’t thinking about saving for retirement, buying a home, or even paying for college when they start their first jobs. Yet a first job can present an ideal opportunity to explain how a Roth IRA can become a valuable savings tool in the…
President’s Address: What can Finland teach us about happiness, balance, and wealth
The World Happiness Report crowns Finland the happiest country on Earth, again — and it’s not by accident. At BWFA, we spend our days helping clients plan for the future, invest wisely, and pursue financial well-being. Yet, Finland reminds us that happiness is a…
ESTATE PLANNING AND 529 PLANS
When you contribute to a 529 plan, you’ll not only help your child, grandchild, or other loved one pay for school, but you’ll also remove money from your taxable estate. This will help you minimize your tax liability and preserve more of your estate for…
CHOOSING A CREDIT CARD
Like leaves in an autumn breeze, credit card offers swirl in from every direction—filling your mailbox, flashing across the Internet, even tumbling out of magazines in your doctor’s waiting room. And they all sound so attractive. “0% APR until next year!” “No fee if…
EDUCATION TAX CREDITS
It’s tax time, and your kitchen table is littered with papers and forms. As if this isn’t bad enough, you recently paid your child’s college semester bill, and you don’t know where you’ll find the money to pay the taxes that you expect to owe. Well, you might…
HOW WE ASSESS OUR PERFORMANCE AT BWFA
At BWFA, we believe that performance should never be measured by numbers alone. While absolute returns—the simple measure of how much a portfolio has gained or lost—can seem like the most obvious benchmark, they do not tell the full story. True investment success must…
THE BWFA EXPERIENCE: A PERSONAL MESSAGE FROM THE CEO
At BWFA, we believe that true wealth is more than just financial—it’s about time, health, relationships, and peace of mind. From the moment you walk through our doors, you’ll notice that something is different here. It’s intentional. It’s personal. And it’s designed…
UNDERSTANDING HOME ENERGY TAX CREDITS
A couple of federal personal tax credits are available for the installation of certain energy efficient or clean energy property in your home. Expenditures must be for items that meet various energy efficiency standards (e.g., Energy Star). The energy efficient home…
BWFA ENHANCES SUPPORT FOR FEDERAL EMPLOYEES
BWFA is proud to announce that several of our employees now hold the ChFEBC℠ (Chartered Federal Employee Benefits Consultant) designation. A ChFEBC℠ is a prestigious designation for Financial Advisors, CPAs, and others, who have successfully completed an intensive…