Qualified Charitable Distributions (QCDs) offer a tax-efficient way for individuals aged 70½ and older to donate to charity directly from their Individual Retirement Accounts (IRAs) on a tax-free basis.

The Tax Cuts and Jobs Act (TCJA) of 2017 is set to reach a critical juncture at the end of 2025, with many of its key provisions expiring.

The Trump administration's return to power will usher in significant policy shifts across multiple fronts.

Options can be a powerful tool in an investor's arsenal, offering unique advantages when used strategically. Here are some key ways options can enhance an investment strategy.

Fee-based buffered annuities have emerged as an innovative financial product, blending market participation with downside protection.

Mortgage structures have evolved significantly over the years, offering homebuyers a variety of options to suit their financial needs and goals.

Historically, the fourth quarter is the strongest quarter of the year for the S&P 500.  Since 1945, the S&P 500 has gained an average of 3.8% in price during the fourth quarter, according to charts*.

If the Tax Cuts and Jobs Act (TCJA) sunsets as scheduled at the end of 2025, several significant income tax changes will occur starting in 2026. 

Fidelity states that the average largest intra-year drop from peak to trough for the S&P 500 has been about 14% since 1980.  Despite these frequent intra-year declines, the S&P 500 has still delivered positive annual returns in most years.

Rising interest rates can lower bond values and impact your portfolio. At PCA, we help manage interest rate risk through diversification, strategic allocation, and active monitoring—building balanced portfolios designed to adapt to changing markets and protect your long-term goals.

Adding cryptocurrency to your portfolio may offer diversification and growth potential, but it also comes with significant volatility. At PCA, we help investors approach crypto strategically—focusing on limited allocations, established assets, and balanced diversification alongside traditional investments to support long-term financial goals.

Understanding and managing investment risks is essential to protecting your financial future. At PCA, our wealth managers help retirees and investors address key risks such as inflation risk, sequence of returns risk, and longevity risk.

As retirement approaches or you find yourself already enjoying this new chapter of life, understanding how financial advisors charge fees may become essential for securing your financial future.

Discover the benefits of professional 401(k) management. From personalized investment strategies to behavioral coaching and holistic planning, learn why working with a wealth manager can help maximize your retirement savings.

How do you know your doctor is a good doctor? If or when you have hired an attorney...

At PCA, we focus on what we can control—our process, communication, and client care. Using our SmartFit Analysis and Discovery Process, we create personalized financial strategies that emphasize transparency, risk awareness, and long-term success.

Every great project starts with an idea. Whether launching a business or sharing your creativity, your story—and how you tell it online—sets you apart. Be authentic, confident, and true to your voice; your website can grow as your story evolves.

The S&P 500 tracks 500 major U.S. companies across key industries, representing large-cap domestic stocks. While it’s diversified within that category, a truly diversified portfolio includes other asset classes—such as bonds, international stocks, and real estate—to balance risk and opportunity.

Poterack Capital Advisory offers a complimentary Tax Observation Report to help clients better understand their 2023 tax return. This personalized report highlights key insights—like tax brackets, Roth conversion opportunities, Medicare impacts, and charitable giving strategies—to support smarter, proactive tax planning.

With over 34 years of experience, we help clients make smarter financial decisions through fiduciary guidance—not product sales. Our Discovery Process uncovers each client’s goals and tailors strategies to fit their unique objectives, emphasizing value, transparency, and purpose-driven financial planning.