Stephen Ahern

Stephen P. Ahern, CPA/PFS, CFP®, AEP®, MST provides individual financial, investment, estate and tax planning and small business consulting to a diverse base of clients including key top-level executives, high-net-worth individuals, business owners, venture capitalists, and entrepreneurs. Stephen co-founded and served as President of Wealth Management Advisors, LLC for twenty-one years before joining the Sachetta team.

6 min read

Medicare Advantage vs Medigap: Why I Recommend Medigap

Stephen Ahern: Jan 05, 2026

It’s easy to feel overwhelmed by Medicare choices. This article is for people who can afford their health insurance options and want fewer surprises; in my work with financially independent retirees, the apparent savings in some Medicare...

Wealth Management

Gen x parents and young girls on a walk with their dog

5 min read

2025 Tax Planning: Why Charitable Giving and SALT Deductions Deserve a Closer Look

Stephen Ahern: Nov 13, 2025

Smart 2025 tax planning moves: Charitable giving and SALT deductions offer meaningful opportunities for smart 2025 tax planning before several...

Tax Planning

5 min read

Multi-Generational Wealth Plans: 4 Strategies Beyond Trusts

Stephen Ahern: Aug 06, 2025

This piece explains four legacy-planning moves that go beyond trusts: regular family conversations, tax-timed Roth conversions, liquidity via...

Financial Planning Wealth Management

couple outside of home discussing if reverse mortgage is right for them

3 min read

Reverse Mortgages: Why They're Rarely the Right Fit

Stephen Ahern: Jun 27, 2025

Reverse mortgages are rarely a good fit, but there are specific situations—like limited income with no desire to leave the home to heirs—when...

Financial Planning

3 min read

Six Considerations Before Buying a Second Home or Vacation Property

Stephen Ahern: Jun 05, 2025

Buying a second home can be a dream come true—but unless your cash flow, usage plans, mortgage terms, ongoing costs, tax implications and estate...

Financial Planning

Adjusting your wealth portfolio in response to market cycles. A couple walks through a park on an autumn day.

3 min read

How to Manage a Wealth Portfolio Through Market Cycles

Stephen Ahern: Jan 29, 2025

When facing market cycles, it’s important to keep a long‑term mindset and resist reacting solely to short‑term swings—those ups and downs are...

Investing

Here are some risk management strategies for high earners when it comes to investment management.

3 min read

5 Strategies for Mitigating Investment Risk for High Earners

Stephen Ahern: Dec 19, 2024

High earners have many investment opportunities, which means they’re also vulnerable to investment risks. Anticipating potential drawbacks is part of...

Investing Investment Strategies

folks riding bicycle on their way to book travel advisor

4 min read

Why You Should Use a Travel Advisor and Planner for Your Travel

Stephen Ahern: Jun 28, 2024

Introduction You have worked hard for many years. Maybe your career was life encompassing and you are now retired. Maybe your children are grown and...

Financial Planning