If the past few years taught us anything, it’s that financial planning doesn’t happen in a vacuum. Markets shift quickly. Policy evolves slowly, until it doesn’t. And life has a way of introducing change right when you least expect it.
As we begin 2026, the most important trend isn’t a product, a prediction, or a performance forecast. It’s the growing need for intentional, integrated planning.
Tax planning is no longer seasonal
For years, tax planning lived in a narrow window. Review in Q4. File in April. Repeat.
That approach is becoming increasingly outdated.
With tax brackets, capital gains rates, and estate thresholds under constant discussion, proactive tax planning now spans the entire year. For many individuals and families, this means evaluating income timing, Roth conversion strategies, charitable giving, and the tax impact of liquidity events well before decisions are locked in.
In 2026, effective planning will focus less on reacting to tax outcomes and more on shaping them.
Liquidity planning is back in focus
Volatility has a way of reminding people how important liquidity really is. Whether it’s a career transition, a business opportunity, or an unexpected expense, access to capital provides flexibility and peace of mind.
Planning for liquidity doesn’t mean sitting in cash unnecessarily. It means understanding where liquidity exists, how quickly it can be accessed, and how it fits into a broader investment and tax strategy. For executives, business owners, and families with concentrated positions, this conversation is becoming central.
Concentrated risk requires active management
Equity compensation, business ownership, and real estate have created significant wealth for many families. They also introduce concentration risk that can quietly grow over time.
In 2026, more clients are re-evaluating how much exposure they carry to a single company, industry, or asset class. Addressing concentration thoughtfully, rather than reactively, allows for diversification without disrupting long-term goals.
Planning for life, not just retirement
One of the biggest shifts we’re seeing is a move away from planning that starts and ends with retirement.
Clients want guidance around aging parents, adult children, philanthropy, healthcare decisions, and legacy planning. They want advice that reflects real life, not just financial milestones.
That’s where a planning-first, client-first approach matters most. When advisors understand the full picture, they can anticipate questions before they become problems.
Your OnePoint in a changing environment
All of these trends come back to a single idea: clarity.
Your OnePoint is your north star. It’s what keeps decisions aligned when markets are noisy and headlines are loud. It helps determine when to be patient, when to act, and when to say no.
As 2026 unfolds, the strongest plans won’t be the most complex. They’ll be the most intentional.
At OnePoint BFG, we’re here to help clients define what matters most, build thoughtful strategies around it, and move forward with confidence, no matter what the year brings.
Clarity starts with conversation. If you’d like help defining your OnePoint and aligning your planning around what matters most, a OnePoint advisor is here to help.
Investment advisory and financial planning services offered through Bleakley Financial Group, LLC, an SEC registered investment adviser, doing business as OnePoint BFG Wealth Partners (herein referred to as “OnePoint BFG”). For more information regarding OnePoint BFG including important disclosures, please visit https://adviserinfo.sec.gov/.
The third-party information contained herein is provided for informational and discussion purposes only. OnePoint BFG does not represent this third-party information as its own. While OnePoint BFG has gathered this information from sources deemed to be reliable, OnePoint BFG has not reviewed or verified any information input by your financial professional or that of the third-party source, nor can OnePoint BFG guarantee the completeness or accuracy of this data.
OnePoint BFG does not offer legal or tax advice. This document is not a substitute for the advice of a qualified attorney or tax professional. You should not take any action based solely on the information provided on this report without seeking legal counsel from a licensed attorney or tax professional in your jurisdiction. No attorney-client relationship is formed by your use of this document.
This communication has been provided for informational purposes only and should not be considered as investment, legal or tax advice or as a recommendation. This material provides general information only. OnePoint BFG does not offer legal or tax advice. Please contact legal counsel or your tax advisor to recommend the application of this general information to any particular situation or prepare an instrument chosen to implement the design discussed herein. Circular 230 notice: To ensure compliance with requirements imposed by the IRS, this notice is to inform you that any tax advice included in this communication, including any attachments, is not intended or written to be used, and cannot be used, for the purpose of avoiding any federal tax penalty or promoting, marketing, or recommending to another party any transaction or matter.
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