Insights
Grow, protect and pass on your wealth.
Practical guides on investing, tax, family offices and succession, from the team behind HelloHQ.
Catch-Up Contributions Go Roth
Final US rules published on 16 September 2025 require higher earners to make 401(k) catch-up contributions to a Roth account from 2026. A small change in the tax wrapper that raises a large question about when you want to pay tax.
Before an Alternative Asset Enters Your 401(k)
An August 2025 executive order directed US regulators to open retirement plans to alternative assets such as private equity and credit. Illiquidity, fees and opaque valuation are the questions to settle before the first dollar goes in.
The Registry Retreats, the Bank Does Not
On 21 March 2025 the US exempted domestic companies and US persons from beneficial-ownership reporting. Transparency about who owns what did not disappear. It moved to the bank's onboarding desk.