September 2026 - Hobart Wealth

Inherited Roth IRAs: What Happens After the Climb

Hiking is a choice, which is something I occasionally have to remind myself of when I’m several hours into a long, arduous walk with friends, my legs are beginning to object, and I’m wondering why I voluntarily decided that climbing a particular mountain was a worthwhile way to spend a day. There is something inherently ridiculous about hiking when you stop to think about it. Most of our adventures amount to spending an enormous amount of time and energy finding the most inconvenient possible way to return to the exact same parking lot we left that morning, and somehow, we consider that a successful outcome.

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The Great Wealth Transfer Has a Real-Estate Problem Hiding Inside It

September 23, 2026 | in Estate Planning, Financial Planning, Legacy Planning, Retirement Planning

An August 31, 2026 LendingTree study included one of those numbers so large it’s hard to fathom its sheer size: Americans age 65 and older who own homes could transfer roughly $17.2 trillion of wealth to younger generations over the next twenty years.1

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The Trump Account Isn’t Really About the Free $1,000

September 16, 2026 | in Financial Planning, Retirement Planning

Since our daughter was born, Lizy and I have had plenty of conversations about what we should be doing financially for her. There are the obvious things, like saving for education, making sure our estate plan is updated, and generally trying not to spend an unreasonable percentage of our income on things she will outgrow in six weeks. But there is another question that comes up whenever grandparents, family members, or even we want to put money aside for her: where should that money actually go?

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The Market Never Stands Still

September 9, 2026 | in Financial Planning, Investment Planning

A couple of days ago, I was scrolling through Facebook when a post caught my attention. It showed the Charlotte skyline through a series of snapshots taken over the years. The first was from 1940, then 1960, 1985, 2006, and finally 2026.
I found myself stopping on each picture for a while.
Charlotte was still Charlotte, of course. But the changes were remarkable. Buildings appeared. Familiar landmarks changed and new ones took their place. The city grew upward and outward, and with every picture you could see another chapter of its evolution. What struck me most was how different the change looked when compressed into a handful of photographs.