2026 Tax Strategy Guide | New OBBBA Rules for Huntsville

Stewards, Not Recipients: Raising the Next Generation & Transferring Wealth

You've spent years building something meaningful. The real question is: who's going to carry it forward? In Part 2 of our multigenerational wealth series, Capital Stewards founder Brian Seay tackles the two questions that keep wealth-building families up at night — how do you raise children who are prepared to steward what you've built, and how do you actually transfer it without leaving hundreds of thousands of dollars on the table? This episode goes deep on both the human side and the technical side of generational wealth transfer. In this episode: * Why the families who "spoil" their kids are the ones who never talked about money * What the research actually says about the next generation's attitude toward family wealth * Three ways to actively engage your kids in real financial decisions — starting earlier than you think * Why charitable giving is one of the most powerful antidotes to entitlement * When (and how) to open the books with your heirs * 529 plans as a wealth transfer tool — including the new Roth IRA rollover rules * Annual exclusion gifting: why consistency turns a modest strategy into a million-dollar transfer * The step-up in cost basis explained — and why it could save your family hundreds of thousands in taxes * Donor Advised Funds: how to give like a family foundation without running one * Why multigenerational families should invest like an endowment, not like a retiree 📖 Read the full blog series at thecapitalstewards.com 📅 Ready to have a real conversation about your family's financial future? Schedule a call at thecapitalstewards.com Capital Stewards is a fiduciary wealth management firm serving families in Huntsville, Alabama and across Alabama, Georgia, and Tennessee. This content is for educational purposes only and does not constitute investment, tax, or legal advice.

Building Multigenerational Wealth: Where to Start

Most people spend their entire careers optimizing for income. The families building generational wealth are doing something fundamentally different. Part 1 of our series on multigenerational wealth breaks down the six foundational principles behind building wealth that actually lasts — not the version you see on social media, but the version that quietly plays out over decades in real families. In this episode: - Why high income rarely becomes generational wealth — and what to do instead - Building the Wedge: the savings mindset shift that changes everything - How Warren Buffett uses debt strategically (and what families can learn from it) - Business vs. real estate: which asset to target first, and why you might buy rather than start - When to concentrate your risk — and when to start diversifying - The role of patience in wealth building (and why the timeline is longer than you think) 📖 Read the full blog series at thecapitalstewards.com 📅 Ready to talk about your family's wealth journey? Schedule a conversation at thecapitalstewards.com Capital Stewards is a fiduciary wealth management firm serving families in Huntsville, Alabama and across Alabama, Georgia, and Tennessee. This content is for educational purposes only and does not constitute investment, tax, or legal advice. Timestamps 00:00 — Intro: Private Jets & Social Media 01:08 — What multigenerational wealth actually means 03:52 — Principle 1: Assets over income 05:22 — Principle 2: Building the Wedge 08:14 — Principle 3: Debt as a strategic tool 10:32 — Principle 4: Businesses and real estate 15:14 — Principle 5: Diversifying over time 15:22 — Principle 6: The role of patience 16:36 — Series recap + tease for Part 2

Q2 2026 Economic & Investment Outlook | Iran War, Oil Prices, Market Outlook & Portfolio Strategy

In this episode, we break down the complex economic landscape of Q2 2026, navigating the aftermath of the conflict in Iran and the resulting impact on global markets. While a recent ceasefire has brought some stability, investors are left with critical questions regarding oil prices, the "Mag Seven" tech stocks, and a labor market that may be showing signs of fatigue.We explore whether the recent uptick in economic data is a sustainable recovery or a "data mirage" driven by inventory rebuilding and backlogs. Whether you are a long-term investor or looking for specific insights into gold, bonds, or international markets, this comprehensive guide provides the data-driven perspective you need to stay anchored in an uncertain environment. 📊 Want to see the data? This episode features numerous charts detailing GDP, ISM surveys, and asset performance. Consider watching the full video to follow along with the visual analysis 00:00 – Intro & What's Ahead 02:16 — Market Recap: S&P 500, International Stocks, Bonds & Gold 03:18 — Long-Term Returns: Why History Favors Patient Investors 05:29 — U.S. Economic Update: GDP, ISM Manufacturing & Services Data 07:39 — The K-Shaped Economy: Consumer Spending, Wages & Savings 09:29 — Labor Market: Job Creation, Wage Growth & Warning Signs 12:05 — Iran War & Ceasefire: Oil Prices, Strait of Hormuz & What's Next 14:29 — Inflation Outlook: PCE, Tariffs, Housing & Services 15:50 — Stock Market Outlook: Why Global Diversification Still Matters 17:28 — Diversification & Income Outlook : Gold, Bonds & Fixed Income 19:21 — Private Credit: Risks & Reality Check 20:47 — Real Estate Opportunities in 2026 21:35 — Practical Steps for Investors Right Now 🔗 Learn more about Capital Stewards: Website: https://www.thecapitalstewards.com Start a Conversation: https://www.thecapitalstewards.com/startconversation Capital Stewards is a fee-only fiduciary financial advisory firm based in Huntsville, Alabama, helping clients with retirement planning, investment management and tax strategies. This content is for general information and educational purposes only and should not be construed as specific investment, tax, or legal advice. Past performance is no assurance of future results.

Navigating Healthcare Expenses in Retirement: Medicare, TRICARE, & the "Insurance Bridge"

Is healthcare your retirement "blind spot"? In 2026, the landscape of retirement healthcare has fundamentally changed. With Medicare Part B premiums crossing $200 for the first time and new legislative shifts from the One Big Beautiful Bill Act (OBBBA), failing to plan is planning to overpay. In this episode of the Capital Stewards Podcast, we break down the exact strategies you need to protect your portfolio from rising medical costs and "stealth taxes". 💡 What You’ll Learn: - The 24-Month Window - The ACA "Cost Cliff" - The Federal Government Employee & Military Strategy - Long-Term Care Realities - Income Engineering About Capital Stewards: We are a fee-only fiduciary advisor based in Huntsville, AL, dedicated to helping families navigate complex financial transitions with transparency and expertise. Have Questions? Start a Conversation with Us Here: https://www.thecapitalstewards.com/startconversation #retirementplanning #Medicare2026 #HealthcareCosts #FinancialAdvisorHuntsville #CapitalStewards #TRICARE #FEHB #LongTermCare Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.

2026 Tax Strategy Guide | New OBBBA Rules for Huntsville

The Super Bowl is over, which means it’s officially tax season on the Capital Stewards Podcast. In this annual tax guide episode, we move beyond the "annual hunt for deductions" to discuss how you can create significant tax reduction over the long term. With the passage of the OBBBA last summer, the tax landscape has changed for 2025 filings and 2026 planning. Whether you are a business owner, a high-earner, or planning for retirement, this episode covers the strategic moves that actually "move the needle". 🕒 Key Chapters in This Episode: 0:00 – Unofficial Super Bowl Ad "O-Meter" (Anthropic, Budweiser, & more) 3:15 – The "Deduction Hunt" is Dead: The Power of Long-Term Planning 5:30 – New 2025 Standard Deductions & the Enhanced Senior Deduction 8:45 – The OBBBA "Big Three": No Tax on Tips, Overtime, and Car Loan Interest 12:10 – SALT Cap Changes & HSA "Trifecta" Benefits 15:40 – Retirement Account Strategies: ROTH vs. Traditional 18:20 – Trump Accounts for Children: What You Need to Know 21:05 – Local Tax Updates: Alabama, Georgia, and Tennessee 💡 What You’ll Learn: The "Big Three" OBBBA Deductions: How to qualify for tax-free tips and overtime pay, and how to write off interest on U.S.-assembled vehicles. Enhanced Senior Benefits: How to unlock up to $12,000 in extra deductions if you are over 65. Strategic HSAs: Why 2026 is the year to start using your HSA for concierge or subscription-based primary care. Real Estate & Business: Utilizing 100% bonus depreciation and the permanent QBI deduction to lower your effective rate. Taxes are a long-term game. Don’t just file your return—structure your life and business for maximum efficiency. Connect with Capital Stewards: If you have questions about integrating your tax planning with your investment portfolio, reach out to us today: https://www.thecapitalstewards.com/startconversation #TaxPlanning #OBBBA #2026Taxes #FinancialPlanning #CapitalStewards #RetirementPlanning #taxdeductions Any commentary is provided for general information and educational purposes only and should not be construed as specific investment, tax or legal advice. Instead, readers should make an independent assessment of the information and determine if any content mentioned is appropriate for their personal situation. Past performance of market results is no assurance of future performance. This information has been obtained from sources deemed reliable but is not guaranteed.