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Vincent Virga, CEO and Financial Adviser of PFS Wealth Management Group, on Tax-Efficient Investing in 2025: Strategic Moves for High-Net-Worth Investors

Turning Market Challenges into Tax-Smart Opportunities in 2025—Now with New Rules Under the One Big Beautiful Bill Act
As key provisions from prior tax law were reshaped by the One Big Beautiful Bill Act of 2025 (H.R. 1)—signed into law on July 4, 2025—high-net-worth investors face a pivotal moment to rethink multi-year tax strategy. New deductions and phase-outs, revised reporting thresholds, adjustments to SALT, and important QSBS enhancements mean proactive planning can materially impact after-tax returns going forward. (Congress.gov)
In this evolving landscape, wealth managers and tax advisors are emphasizing coordinated, multi-year plans that reduce tax drag while advancing long-term goals. For HNW families, the combination of persistent market volatility and significant statutory changes makes tax efficiency an essential part of portfolio construction in 2025–2026. (ADP)
Upcoming PFS Wealth Management Group EventPFS Wealth Management Group will host an in-depth session to help investors understand how the new law interacts with portfolio design, income strategy, and legacy planning. Attendees will leave with practical ways to reduce tax drag, optimize asset location, and integrate tax planning with investment decisions in light of the latest guidance. (IRS)
What We’ll Cover (Post-OBBB Focus)

Roth conversion tactics under new rate/deduction dynamics: Coordinating conversions with bracket management and charitable bunching; aligning with the Act’s phased and temporary provisions. (IRS)
QSBS opportunities: Material expansion of Qualified Small Business Stock benefits for stock acquired after July 4, 2025—how founders/investors can structure for potential exclusion uplifts. (Hunton Andrews Kurth)
SALT cap changes: Planning around the temporary SALT cap increase windows (and phase-outs) to avoid surprises in high-tax states. (Wikipedia)
Reporting thresholds & cash-flow planning: New 1099-NEC/MISC and 1099-K thresholds and timing considerations for business owners, consultants, and family offices. (Wikipedia)
International remittance excise (starting 2026): What HNW families with cross-border transfers should know about the 1% remittance tax proposals enacted, exemptions still being clarified, and entity-level workarounds. (Holland & Knight)
Senior deduction coordination: For clients 65+, an added deduction (income-tested) through 2028—and how to model it alongside RMDs, Social Security timing, and muni income. (IRS)
Core portfolio levers:Auditing and reducing tax drag (harvesting discipline, holding period management, futures overlays).• Asset location: placing tax-inefficient assets in tax-advantaged accounts; pairing direct indexing with charitable gifting to recycle basis.• SMAs, direct indexing, and QOZs for targeted exposure and loss/basis engineering. (ADP)

“I’m excited to lead this discussion because every potential percentage point saved in taxes lets your returns work harder,” said Vincent Virga, Founder & CEO, PFS Wealth Management Group. “With the 2025 tax landscape shifting under the One Big Beautiful Bill, preparing now can create advantages that compound for years—not just this year.” (IRS)
About Vincent Virga
Vincent A. Virga is the Founder and CEO of PFS Wealth Management Group, a Naples-based firm serving families, small businesses, and non-profit organizations. He is the author of The S.M.A.R.T. Approach and the forthcoming Stocks and Bonds: Not Just About the Stock Market. With more than three decades of experience, he helps clients integrate tax-efficient investing, retirement planning, and legacy strategies through a holistic “Family Business Office” model. Vincent is also an active speaker and community leader, committed to aligning wealth with purpose and impact.
Learn more: www.pfswealthgroup.com

https://www.congress.gov/bill/119th-congress/house-bill/1?utm_source=chatgpt.com
https://www.adp.com/spark/articles/2025/09/early-guidance-issued-under-hr-1-the-one-big-beautiful-bill-act.aspx?utm_source=chatgpt.com
https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions?utm_source=chatgpt.com
https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions?utm_source=chatgpt.com
https://www.hunton.com/insights/legal/qsbs-benefits-expanded-by-one-big-beautiful-bill?utm_source=chatgpt.com
https://en.wikipedia.org/wiki/One_Big_Beautiful_Bill_Act?utm_source=chatgpt.com
https://www.hklaw.com/en/insights/publications/2025/07/a-look-at-the-international-tax-changes-in-the-obbb-act?utm_source=chatgpt.com
https://www.irs.gov/newsroom/one-big-beautiful-bill-act-tax-deductions-for-working-americans-and-seniors?utm_source=chatgpt.com
https://www.adp.com/spark/articles/2025/09/early-guidance-issued-under-hr-1-the-one-big-beautiful-bill-act.aspx?utm_source=chatgpt.com
https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions?utm_source=chatgpt.com

 
Insurance products are offered through the insurance business PFS Wealth Management Group. PFS Wealth Management Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products. The insurance products offered by PFS Wealth Management Group are not subject to Investment Advisor requirements.Investing involves risk, including the potential loss of principal. Any references to protection, safety or lifetime income generally refer to fixed insurance products, never securities or investments. Insurance guarantees are backed by the financial strength and claims paying abilities of the issuing carrier. This radio show is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Please remember that converting an employer plan account to a Roth IRA is a taxable event. Increased taxable income from the Roth IRA conversion may have several consequences. Be sure to consult with a qualified tax advisor before making any decisions regarding your IRA.PFS Wealth Management Group is not permitted to offer and no statement made during this show shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency. The information and opinions contained herein provided by third parties have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by PFS Wealth Management Group. A PR firm was paid to assist with media placement. 3327971 – 9/25
 
 
 
 

Ethan Heisey, CEO of Exponential Freedom, Interviewed on the Influential Entrepreneurs Podcast Discussing Legal Tax Reduction for High-Net-Worth Individuals

Ethan Heisey discussing legal tax reduction for high-net-worth individuals 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-ethan-heisey-ceo-of-exponential-freedom-discussing-legal-tax-reduction-for-high-net-worth-individuals/
Ethan Heisey, the CEO of Exponential Freedom. Delved into the important topic of navigating legal tax reduction strategies specifically tailored for high-net-worth individuals. 
Ethan began by defining what constitutes a high net worth individual, typically someone earning $400,000 or more annually, which often results in significant tax liabilities. He emphasized the importance of working with tax professionals who can provide strategic advice rather than just filing taxes, as many CPAs may not be equipped to offer advanced tax mitigation strategies. 
Legal Tax Strategies 

 Tax-Deferred Accounts: Wealthy individuals can maximize contributions to tax-deferred accounts such as 401(k)s and IRAs. These accounts allow individuals to postpone taxes on their earnings until retirement, when they may be in a lower tax bracket. Additionally, high-net-worth individuals can explore options like defined benefit plans, which can offer even larger tax-deferred contributions based on income and age. 
Capital Gains Management: HNWIs often have substantial investments in stocks, real estate, and other assets. By strategically managing capital gains, such as holding investments for longer than a year to benefit from lower long-term capital gains tax rates, wealthy individuals can significantly reduce their tax liabilities. Furthermore, utilizing tax-loss harvesting—selling underperforming investments to offset gains—can be an effective strategy for minimizing taxes. 
Charitable Contributions: Philanthropy not only serves a noble cause but also provides a powerful tax strategy. High-net-worth individuals can make charitable donations to qualified organizations, which are tax-deductible. Additionally, by establishing donor-advised funds or charitable remainder trusts, individuals can manage their charitable giving while receiving immediate tax benefits. 
Real Estate Investments: Wealthy individuals can take advantage of various tax benefits associated with real estate investments. The depreciation of property can be used to offset rental income, and 1031 exchanges allow investors to defer capital gains taxes when selling one investment property and purchasing another. This strategy can lead to significant tax savings while enabling continued investment growth. 
Estate Planning: Effective estate planning is vital for high-net-worth individuals looking to minimize estate taxes. Strategies such as establishing irrevocable trusts can remove assets from an individual’s taxable estate, reducing potential estate tax liabilities. Additionally, gifting strategies allow individuals to transfer wealth to heirs while taking advantage of annual gift tax exclusions. 
Tax Credits and Incentives: Wealthy individuals should be aware of various tax credits and incentives available at both federal and state levels. For instance, investing in renewable energy projects or low-income housing can provide substantial tax credits that reduce overall tax liabilities. 

In conclusion, high-net-worth individuals have access to a range of legal tax strategies that can help them reduce their tax liabilities and preserve their wealth. By leveraging tax-deferred accounts, managing capital gains, making charitable contributions, investing in real estate, engaging in effective estate planning, and utilizing available tax credits, wealthy individuals can significantly enhance their financial well-being. However, it is essential to approach these strategies with a focus on legality and compliance, ensuring that they are guided by knowledgeable professionals in the field. By doing so, high-net-worth individuals can navigate the complexities of tax reduction effectively and confidently. 
 
Ethan shared: “We help clients save at least 25% in taxes, or they don’t pay! Exponential Freedom helps high-net-worth individuals save money on Taxes and grow their net worth.” 
Video Link: https://www.youtube.com/embed/ALQ1gaA7zLQ
About Ethan Heisey 
Ethan is the CEO of Exponential Freedom, Ethan’s drive for leadership and financial freedom surpasses many other traditional approaches. He is a public speaker at many events, along with formulating a company of many employees who hold his trust. His consulting services have helped over 2,000 persons in the art of saving Tax, increasing their net worth, and driving business revenue.  
 
Learn more: https://theexponentialfreedom.com/  
The information provided during this appearance is for general informational purposes only and should not be considered personalized financial, tax, or investment advice. Each individual’s situation is unique, and viewers are encouraged to consult with a licensed financial professional before making any decisions. Exponential Freedom is a consulting and marketing firm—we do not offer financial advice or make recommendations. Instead, we connect clients with qualified, licensed professionals best suited to their specific needs. 
Recent News & Interviews:

Ethan Heisey Discusses How to Grow Money Tax Free https://authoritypresswire.com/ethan-heisey-ceo-of-exponential-freedom-interviewed-on-the-influential-entrepreneurs-podcast-discussing-how-to-grow-money-tax-free/
Ethan Heisey Discusses Tax Mitigation Strategies https://authoritypresswire.com/ethan-heisey-ceo-of-exponential-freedom-interviewed-on-the-influential-entrepreneurs-podcast-discussing-tax-mitigation-strategies/

 
 
 
 
 
 

Ethan Heisey, CEO of Exponential Freedom, Interviewed on the Influential Entrepreneurs Podcast Discussing Tax Mitigation Strategies

Ethan Heisey discussing tax mitigation strategies 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-ethan-heisey-ceo-of-exponential-freedom-discussing-tax-mitigation-strategies/
In this episode of Influential Entrepreneurs, welcoming back Ethan Heisey, the CEO of Exponential Freedom, to discuss tax mitigation strategies. Kicked off the conversation by emphasizing the importance of tax mitigation rather than elimination, as paying taxes is inevitable. Ethan shared his firm’s three-step process for helping clients save on taxes: 

Damage Control: Reviewing past tax payments to identify potential savings, often resulting in a 25% reduction on top of what clients’ CPAs have already achieved.
Current Year Strategy: Developing proactive strategies to prevent future tax issues, with potential savings ranging from 25% to 50%, and in some cases, even up to 90-95%.
Investment Guidance: Once savings are realized, Ethan’s team helps clients determine the best ways to invest that money tax-efficiently.

Ethan highlighted the importance of having a cohesive financial team, including CPAs, financial advisors, and tax attorneys, working together to optimize tax strategies. He also discussed the significance of understanding the pros and cons of various investment vehicles, such as Roth IRAs and brokerage accounts, and the importance of personalized advice tailored to individual circumstances. 
Ethan highlights the unique advantage of having a diverse team that includes estate planners, tax attorneys, CPAs, financial advisors, and insurance consultants. This collaborative approach ensures that all aspects of a client’s financial situation are considered. He points out that many clients have never had their financial advisors communicate with one another, which can lead to missed opportunities. 
For example, Ethan shares a case where a client was unaware that their insurance policy could be structured to provide tax deductions. This lack of communication among advisors can result in suboptimal financial strategies. 
In conclusion, tax strategies can save clients significantly, both in terms of immediate financial relief and long-term wealth growth. By identifying past overpayments, implementing proactive measures for current tax years, and strategically reinvesting savings, individuals and business owners can navigate the complex tax landscape with greater confidence and success. The benefits of such strategies are profound, leading to enhanced financial stability and the potential for increased prosperity. As the saying goes, the only certainties in life are death and taxes; however, with the right strategies in place, the burden of the latter can be significantly lessened. 
 
Ethan shared: “We help clients save at least 25% in taxes, or they don’t pay! Exponential Freedom helps high-net-worth individuals save money on Taxes and grow their net worth.” 
Video Link: https://www.youtube.com/embed/mEQMtMvdij0 
About Ethan Heisey 
Ethan is the CEO of Exponential Freedom, Ethan’s drive for leadership and financial freedom surpasses many other traditional approaches. He is a public speaker at many events, along with formulating a company of many employees who hold his trust. His consulting services have helped over 2,000 persons in the art of saving Tax, increasing their net worth, and driving business revenue.  
 
Learn more: https://theexponentialfreedom.com/ 
The information provided during this appearance is for general informational purposes only and should not be considered personalized financial, tax, or investment advice. Each individual’s situation is unique, and viewers are encouraged to consult with a licensed financial professional before making any decisions. Exponential Freedom is a consulting and marketing firm—we do not offer financial advice or make recommendations. Instead, we connect clients with qualified, licensed professionals best suited to their specific needs.
Recent News & Interviews:

Ethan Heisey Discusses How to Grow  Money Tax Free https://authoritypresswire.com/ethan-heisey-ceo-of-exponential-freedom-interviewed-on-the-influential-entrepreneurs-podcast-discussing-how-to-grow-money-tax-free/

 
 
 
 
 

Final Days of Sunset Spas Annual Hot Tub Parking Lot Sale in Sierra Vista | 2290 E. Fry Rd.

Sierra Vista, AZ — September 26, 2025 — The clock is ticking for spa lovers in Southern Arizona! The Sunset Spas Annual Parking Lot Sale is wrapping up its final days in Sierra Vista, giving local residents just a few more opportunities to lock in the season’s best deals on premium hot tubs. The sale, hosted at 2290 E. Fry Blvd. (next to the AT&T Store), runs through Monday, September 29th and offers exclusive savings not available at any other time of year.

“What Does It Mean to Be an American?” Soars to #1 on Amazon Just Four Days After Publication and Captures Amazon’s Top Spots and a National Conversation

Four days post-launch, What Does It Mean to Be an American? by Kelby Smith, with Ebie Rito and Markus Loving, hit #1 Best Seller in Law–Legal Education, United States Local Government, Constitutional Law, and State & Local Government—and #1 Hot New Release in multiple other categories. The book reframes State Citizenship vs. U.S. citizenship with a practical roadmap to lawful freedom. Available on Amazon.

Ethan Heisey, CEO of Exponential Freedom, Interviewed on The Influential Entrepreneurs Podcast, Discussing How to Grow Money Tax Free

Ethan Heisey discusses how to grow money tax free 
Listen to the interview on the Business Innovators Radio Network: https://businessinnovatorsradio.com/interview-with-ethan-heisey-ceo-of-exponential-freedom-discussing-how-to-grow-your-money-tax-free/
In this episode of Influential Entrepreneurs, Ethan Heisey, the CEO of Exponential Freedom delved into the intriguing topic of growing money tax-free, a concept that resonates with many, especially in today’s financial landscape. 
Ethan shared his unique journey into the financial services industry, starting from his college days when he began day trading stocks. His early experiences, although unconventional, sparked a passion for helping others navigate their financial futures. We discussed the importance of understanding the tax implications of various investment vehicles, particularly the common misconception surrounding 401(k) accounts as mere IOUs for future taxes. 
In today’s complex financial landscape, the importance of growing money tax-free cannot be overstated. Many individuals, fresh out of college and entering the workforce, often find themselves signing documents related to retirement accounts without fully understanding their implications. This lack of awareness can lead to a false sense of security, as many do not realize that their 401(k) accounts are essentially IOUs for future taxes. As discussed in a recent podcast, it is crucial to not only save but also to understand the tax repercussions of one’s financial decisions. 
Ethan highlights that while saving is the first step toward wealth accumulation, individuals must also be mindful of the tax liabilities that will arise when they withdraw funds from their retirement accounts. The concept of a “tax time bomb” looms large, as the government mandates required minimum distributions (RMDs) from certain accounts, which can significantly impact an individual’s financial situation during retirement. Therefore, it becomes essential to explore strategies that allow for tax-free growth and access to funds when needed. 
One of the most common vehicles for tax-free growth is the Roth IRA. However, as the podcast points out, not everyone qualifies to contribute to a Roth IRA due to income limitations. This is where professional guidance becomes invaluable. Financial advisors, CPAs, and tax attorneys can work with individuals to identify alternative strategies tailored to their unique circumstances. For example, establishing a trust or utilizing life insurance policies can serve as effective means of accumulating wealth without incurring immediate tax liabilities. 
Ethan and Mike Saunders emphasize the importance of personalized financial planning. Instead of pushing a one-size-fits-all product, a knowledgeable advisor will take the time to understand the client’s financial landscape, needs, and goals. This approach mitigates the risk of fitting a “square peg in a round hole,” where a financial product is sold without consideration of the individual’s specific situation. By asking the right questions and conducting a thorough analysis, a financial professional can recommend the most suitable strategies for tax-free growth. 
Moreover, the discussion touches upon the broader context of government spending and the likelihood of tax increases in the coming years. This uncertainty makes it all the more critical for individuals to take proactive steps in managing their tax exposure. Engaging with a financial advisor can provide insights into potential future tax scenarios and help individuals make informed decisions about when and how to pay taxes on their investments. 
In conclusion, growing money tax-free is not merely a matter of luck; it requires a strategic approach and an understanding of the available options. Utilizing tax-advantaged accounts, investing in municipal bonds, leveraging life insurance policies, engaging in real estate investments, and choosing the right business structure are all effective strategies that can lead to significant wealth accumulation without the immediate burden of taxation. As the podcast emphasizes, the financial services industry has much to offer both individuals and business owners in navigating these strategies. By taking informed steps toward tax-free growth, individuals can achieve greater financial freedom and security, ultimately leading to a more prosperous future. 
 
Ethan shared: “We help clients save at least 25% in taxes, or they don’t pay! Exponential Freedom helps high-net-worth individuals save money on Taxes and grow their net worth.” 

Video Link: https://www.youtube.com/embed/QaidKEf6XD8

About Ethan Heisey 
Ethan is the CEO of Exponential Freedom, Ethan’s drive for leadership and financial freedom surpasses many other traditional approaches. He is a public speaker at many events, along with formulating a company of many employees who hold his trust. His consulting services have helped over 2,000 persons in the art of saving Tax, increasing their net worth, and driving business revenue.  
 
Learn more: https://theexponentialfreedom.com/ 
The information provided during this appearance is for general informational purposes only and should not be considered personalized financial, tax, or investment advice. Each individual’s situation is unique, and viewers are encouraged to consult with a licensed financial professional before making any decisions. Exponential Freedom is a consulting and marketing firm—we do not offer financial advice or make recommendations. Instead, we connect clients with qualified, licensed professionals best suited to their specific needs. 

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