Author: admin
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What does Kraft Capital really do for Clients?
“So, what do you actually do?” This is the most common question I get from people who have read a few of my articles or know that I’m an advisor. Over time, I’ve realized that most people have a limited understanding of what a financial advisor can actually help them with. This is at no…
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The STR (Short-Term Rental) Loophole: What You Need to Know
What if you could buy a rental property, claim a massive tax deduction in year one, and avoid the passive loss limitations that apply to most real estate investors? That’s one of the main benefits of the complex “STR Loophole”: a powerful strategy that allows some short-term rental owners to deduct real estate losses against…
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How Your Annuity Could Be Costing You Thousands
Annuities can seem like a safe way to secure guaranteed income for retirement, offering predictability and protection. But often when you dive into the fine print of the contract, you will find high fees, complex structures, and investment restrictions that are quietly destroying your long-term returns, sometimes costing you thousands of dollars annually without you…
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What You Need to Know about the New Tax Bill (OBBB)
The One Big Beautiful Bill (OBBB) was officially signed into law on July 4th, and it brings a ton of tax changes that impact nearly everyone (870 pages to be exact). While most media headlines are focused on a few flashy points that get people on both political sides fired up, the real takeaways are…
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Death Tax: What You Need to Know
A client asked me last week, “Am I going to get hit with a death tax?” The term “death tax” gets thrown around a lot, and it sounds scary. But here’s the good news: most people won’t ever pay a federal death tax. What Is the “Death Tax” Anyway? When people say “death tax,” they…
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NIL Money: How Athletes Can Manage their Income
Signing your first NIL deal probably felt like a major win, and it is. But what most athletes don’t realize is that once the money hits your account, you’re more than just a student-athlete. You’re now running a business. And like any business owner, the way you handle your money today can set the tone…
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NIL Money at Michigan: Best Moves for Athletes To Manage Money
When you signed your first NIL deal, you probably didn’t expect to become a business overnight. But that’s exactly what’s happened. And just like any business, you need a strategy to manage your money, plan for taxes, and set yourself up for the future. As a financial advisor for NIL athletes, we help people like…
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When to Take Social Security (for people aged 50-70)
If you’re in your 50s or early 60s, chances are you’ve asked yourself:“When should I start taking Social Security?” A lot of people default to age 62 because it’s the earliest option, or 67 because that’s considered the “full retirement age.” But unfortunately, it’s not that simple, and getting it wrong can cost you hundreds…
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The Hidden Fees Draining Your Investments (and How to Spot Them in 5 Minutes)
If you’re in you have a 401(k), IRA, or any account that holds investments, I have an important question: Do you know exactly how much you’re paying in investment fees? Most people say: “Not much. I’m just in mutual funds from Fidelity or American Funds. I don’t get an invoice from my advisor that I…
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Financial Planning Checklist for University of Michigan Employees
Working at the University of Michigan comes with outstanding career benefits: access to a generous retirement plan, excellent healthcare, and professional development resources. But maximizing those benefits (and building a complete financial plan around them) takes careful strategy. At Kraft Capital, we specialize in helping University of Michigan professors, researchers, and staff create personalized financial…