Cypress Wealth Services

09/03/2026

Creating a trust and estate plan is an important step, but it shouldn’t be a one-time event.

Changes in your family, finances, retirement plans, tax laws, or personal goals can all be reasons to take another look at the plan you have in place.

In our latest article, we discuss how often you should review your trust and estate plan and some of the key life events that may signal it’s time for an update.

Read the full article below.

https://www.cypressws.com/blogs/how-often-should-i-review-my-trust-and-estate-plan-

09/02/2026

Do you need a trust?

For SpaceX employees and executives, growing wealth can also bring greater complexity, especially when it comes to protecting assets and planning for how they will eventually transfer to family.

A trust isn’t necessary for everyone, but it can be an important part of a thoughtful estate plan.

In our latest Financial Insights for SpaceX Employees and Executives article, we look at when a trust may make sense and some of the key factors to consider.

Read the full article below.

https://www.cypressws.com/blogs/how-do-i-know-if-i-need-a-trust-

09/01/2026

For many Google employees, RSUs are a meaningful part of compensation and long-term wealth. But they can also create tax consequences that are easy to overlook.

Understanding when RSUs are taxed, how withholding works, and what happens when shares are sold can help you avoid unexpected surprises and make more informed decisions.

In our latest Guiding Google article, we break down what Google employees should know about RSUs and taxes.

Read the full article below.

https://www.cypressws.com/blogs/can-rsus-create-tax-surprises-for-google-employees-

08/29/2026

If something happened to you tomorrow, would your family know where to start?

Your accounts, insurance policies, estate documents, and financial plan may all be in place—but that only helps if the right people know what exists, where to find it, and whom to contact.

In our latest article, Bill Gordon, CDFA®, explains how to create a simple roadmap for your financial life without giving everyone access to everything. A little organization today can help prevent your loved ones from having to solve a financial puzzle during an already difficult time.

Read more: https://www.cypressws.com/blogs/what-financial-information-should-your-family-know-how-to-access-

08/28/2026

Talking with aging parents about long-term care can be difficult. What feels like responsible planning to an adult child may feel like a threat to a parent’s independence.

The conversation often becomes more productive when it begins with their wishes—not with what you think they should do. Where would they want to receive care? What kind of help would they expect from family? Who would make decisions if they could not?

In our latest article, Jim Bray, CFP® CEPA®, shares practical ways to begin this important family conversation before a crisis forces decisions to be made quickly.

Read more: https://www.cypressws.com/blogs/how-do-i-get-my-aging-parents-to-start-planning-for-long-term-care-

08/27/2026

Should retirees automatically reduce investment risk as they get older?

Not necessarily.

Retirement changes the role your investments play, but age alone should not determine how conservative your portfolio becomes. Income needs, withdrawal rates, Social Security, pensions, time horizon, inflation, and long-term goals all matter.

In our latest article, Ross Biesinger explains how retirees can balance the need for near-term stability with the potential need for decades of continued growth.

Read more: https://www.cypressws.com/blogs/when-should-retirees-reduce-investment-risk-

Financial advisor in Palm Desert helping retirees and families with planning, investments, and tax coordination across the Coachella Valley.

08/26/2026

🌟 You're Invited 🌟

Fraud and financial scams are becoming increasingly sophisticated, making it more important than ever to recognize potential threats before becoming a victim.

Join us for a special webinar featuring a representative from the Federal Bureau of Investigation. We’ll discuss current fraud and scam trends, the tactics criminals commonly use, and practical steps you can take to help protect yourself and your family.

We hope you’ll join us for this timely and important conversation.

Register here: https://us02web.zoom.us/webinar/register/8117876767140/WN_kUTAXGtPQWSSH9EQmESjKg

08/26/2026

Sudden wealth can create tremendous opportunity—but it can also introduce an entirely new level of complexity.

A liquidity event may make early retirement, a new home, helping family members, or greater charitable giving feel possible almost overnight. Yet your financial habits, expectations, and planning may not change as quickly as your net worth.

Some of the biggest potential mistakes do not come from choosing the wrong investment. They come from making major decisions before understanding what your wealth needs to accomplish.

In our latest Financial Insights for SpaceX Employees and Executives article, David Thatcher, CFP®, explores ten potential mistakes that can follow sudden wealth—and how thoughtful planning can help turn a financial event into intentional wealth.

Read the full article: https://www.cypressws.com/blogs/what-are-the-biggest-potential-mistakes-after-sudden-wealth-

08/24/2026

Diversification can make perfect sense on paper and still feel incredibly difficult in practice.

For longtime Google employees, company stock may represent far more than an investment. It can reflect years of hard work, loyalty, professional identity, and participation in the company’s success. Selling even a portion may feel like walking away from what helped create your wealth—or risking regret if the stock continues to rise.

But as your wealth grows and retirement approaches, the question may begin to change:

How much of your financial future do you want dependent on a single investment?

In our latest Guiding Google article, Dermott Larkin explores the emotional side of diversification and how connecting your wealth to its larger purpose can help you make more thoughtful decisions.

Read the full article:

Palm Desert financial planning, investment management, retirement income and tax planning from Cypress Wealth Services. Schedule a meeting today.

08/24/2026

Losing a spouse can leave someone facing important financial decisions while also navigating profound grief.

For recently widowed women, meeting with a financial advisor can be an important step toward understanding what needs immediate attention, what decisions can wait, and how their financial life may have changed. The right questions can help bring clarity to income, investments, Social Security, taxes, estate documents, and long-term security.

Our latest article outlines the questions recently widowed women may want to ask their financial advisor as they begin moving forward, one thoughtful step at a time.

Read more: https://www.cypressws.com/blogs/what-questions-should-recently-widowed-women-ask-their-financial-advisor-