Highline Wealth Partners

Independent SEC registered investment advisor (RIA) that manages portfolios for a variety of investors including corporations, partnerships, individual investors, trusts, foundations, retirement plans, 401K plans and other tax-exempt entities.

Director- Private Wealth Advisor

Director

Wells Fargo Advisors

Associate Vice President- Investments

Park Place Home Mortgage

Senior Loan Officer

Lehman Brothers

Institutional Fixed Income Sales: Worked with large money managers and central banks to facilitate trading for porfolios

Associate

Real Estate's Financial Planner | 25 Years Demystifying Retirement for Investors

You can retire sooner than you think.

But you need a few things.

-> A plan to reduce taxes (so you can keep more income)
-> A strategy to give you more time (so you can enjoy life more)
-> A roadmap to maximize your investments (so you can build generational wealth)

After decades advising executives, founders, and real estate professionals, I discovered the real issue isn’t a lack of strategy, it’s a lack of alignment.

That’s why I created the Wealth Edge Blueprint™, a complete, integrated system that helps high earners eliminate wealth leakage, build true financial infrastructure, and lead their wealth the same way they lead their business.

I help high-income entrepreneurs build wealth that actually feels like success.

1)By aligning your tax strategy, investment plan, and business structure into one cohesive system.
2)Eliminate hidden wealth leakage, bring clarity to your finances.
3)Help you create the kind of legacy you can feel now,not just later.

If your income is up but your financial life still feels scattered, this is the shift you've been looking for.

Ready to learn how?
Send me a DM now.

Please schedule a meeting with me here: https://calendly.com/hmeyer_highline/financial-freedom-call

Twitter: @HMoneyTalks1
IG: @hughmeyerofficial and @money_talks_now







Opinions and comments expressed by LinkedIn members are those of the persons submitting them and do not necessarily represent the views of the creator of this profile or their firm. Social media networks are independent organizations and are not affiliated with Highline in any way. Views expressed in these posts are the current opinion of the author, but not necessarily those of Highline . The author’s opinions are subject to change without notice. The information contained within this post was received from sources believed to be reliable, but accuracy is not guaranteed. 


Disclaimer: all items listed in the "Skills & Endorsements" section of this webpage are unsolicited and intended to apply to this individual's profile alone, not that of Charlesworth & Rugg, Inc. DBA Highling Wealth Partners. These "Skills & Endorsements" are in no way indicative of current or future performance or of investment selection.

You’ve got 7 weeks to decide who gets your money.
Your future or the IRS.

If you're self-employed and haven’t touched a Solo 401k this year, you're not planning.
You're donating.

→ Every dollar you don’t contribute is taxed
→ Every week you wait narrows your options
→ Every CPA who didn’t mention this just cost you

This isn’t optional if you're earning six figures.
It’s a weapon.
And the setup deadline is December 31.

Your brokerage won’t rush to tell you.
Your CPA probably won’t either.
But the IRS? They'll be ready.

Use it right and it can:
→ Slash your taxable income
→ Grow money tax-deferred
→ Create future wealth with today’s income

You don’t need a new strategy.
You need to execute before the calendar flips.

Will your December moves build your net worth or fund the government’s?

Hugh Meyer,  MBA

Talks about #finance, #investments, #taxplanning, and #retirementplanning

Real Estate's Financial Planner | Creator of the Wealth Edge Blueprint™ | Wealth Strategy Aligned With Your Greater Purpose| 25 Years Demystifying Retirement|

You’re bleeding money
And the IRS is perfectly fine watching it happen.

Most entrepreneurs don’t notice the leaks until the damage is permanent.
By then, the clock has run out and the options disappear.

Here’s the uncomfortable truth:

Your biggest tax losses aren’t from missing deductions.
They’re from flying blind.

Before Q4 closes, take 15 minutes and do what 99% won’t:
Audit the cracks where your money is escaping.

Start here:
1. 
2. 1)Are your estimated payments dialed in or drifting?
3. 2)Is your entity structure helping you, or handcuffing you?
4. 3)Did you strategically time income and expenses, or just react?
5. 4)Are your retirement contributions working at full power?

Don’t wait for April’s regret to show you December’s mistakes.

👉 Download the 15-Minute Tax Efficiency Checkup and find out if your money is compounding or leaking.

Tax Checklist

You don’t need more capital.
You need every dollar working in sync.

Because here’s the truth:

Reactive planning is wealth on autopilot without a pilot.

Idle money isn’t safety.

It’s wasted potential.

When every dollar knows where it’s going, growth becomes predictable.

When it doesn’t, wealth becomes random.

→ Tax dollars with no purpose.
→ Investments with no alignment.
→ Cash flow with no direction.

Clarity isn’t about having more.

It’s about making what you already have work together.

Alignment

You didn’t build success just to feel stuck.

You built it to create options freedom over your time, flexibility in your decisions, and peace of mind that what you’re building actually lasts. 

But here’s the uncomfortable truth I see over and over again with high-income entrepreneurs: 

the growth is happening, the income looks great, but they’re still stuck in a cycle of stress and complexity.

They’re chasing another deal, another raise, another win not because they want to, but because they don’t have a system that gives them permission to pause. 

Not because they aren’t earning enough, but because their financial life is fragmented. 

Their CPA, advisor, and legal team operate in silos. 

Their capital is spread across disconnected strategies. And their wealth, as impressive as it looks, isn’t doing what it was meant to support their life with clarity and purpose.

That’s the cost of financial misalignment. It’s not just dollars it’s energy, headspace, and the ability to move through life with intention.

Inside the Wealth Edge Blueprint™, we bring everything into alignment. 

The journey doesn't need to travel on bumpy roads

You’re Making More Than Ever 

So Why Do You Still Feel Behind?

Your business is thriving.

You’ve hit income levels most people only dream of.

But despite all that… something still feels off.

You’re working more, earning more and yet, your wealth isn’t keeping pace

The mistake?

Trying to out-earn inefficiency

You keep thinking the next deal, the next raise, the next investment will fix it

But more income without alignment is just more noise

More complexity without strategy is just a faster way to burn out

This is the hidden trap of high earners

They believe that more income = more progress

Here’s the real issue: Wealth Leakage

→Your advisors are operating in silos
→Your income, taxes, and investments aren’t working together
→You’re making high-level moves  but without a cohesive framework

It’s not that you’re not working hard enough

It’s that you’re building wealth without a blueprint

👉 𝘞𝘩𝘦𝘳𝘦 𝘪𝘯 𝘺𝘰𝘶𝘳 𝘭𝘪𝘧𝘦 𝘥𝘰 𝘺𝘰𝘶 𝘧𝘦𝘦𝘭 𝘵𝘩𝘦 𝘣𝘪𝘨𝘨𝘦𝘴𝘵 𝘨𝘢𝘱 𝘣𝘦𝘵𝘸𝘦𝘦𝘯 𝘸𝘩𝘢𝘵 𝘺𝘰𝘶 𝘴𝘢𝘺 𝘮𝘢𝘵𝘵𝘦𝘳𝘴 𝘢𝘯𝘥 𝘸𝘩𝘢𝘵 𝘺𝘰𝘶𝘳 𝘤𝘢𝘭𝘦𝘯𝘥𝘢𝘳 𝘢𝘤𝘵𝘶𝘢𝘭𝘭𝘺 𝘴𝘩𝘰𝘸𝘴?

Avoid the Nightmare on Elm Street of Taxes

Start your planning now


Your 2025 Tax Roadmap:

 1. Max Out Retirement Contributions

 • Maximize your 401(k) and HSA before December 31.

 2. Charitable Contributions

 • Give to a donor-advised fund for future flexibility.

 3. Prepay Business Expenses

 • Cover next year’s subscriptions or tech expenses now to claim deductions early.

 4. Entity Structure & CTA Compliance

 • Ensure your business structure optimizes tax and meets compliance standards.

 5. Tax-Loss Harvesting

 • Offset gains by selling losing assets—just wait 30 days to repurchase.

 6. Shift Income to Kids

 • Payroll your children to gain a family tax benefit by year-end.

Success creates complexity.

But complexity without coordination? That’s wealth leakage.

You can have:
✅ A smart CPA
✅ A sharp attorney
✅ A solid advisor

…but if they’re not talking to each other, you don’t have a strategy , you have silos.

Here’s the truth:

Most wealth plans fail not because of bad investments,
but because no one’s connecting the dots.

That’s why I built the Wealth Integration Readiness Checklist 
a simple way to see if your plan works together or just exists beside itself.

💡 If you can’t check at least 4 boxes, your wealth isn’t integrated , it’s reactive.

📆 Before year-end, get proactive.

The Wealth Integration

You are about to get hit with a retirement curveball in 2026.

And most don’t see it coming.

Starting January 1, 2026, if your prior-year FICA wages are above $150,000, every catch-up dollar must go into a Roth.

Not pre-tax. Not optional.

Roth. Period.

Here is what that really means.

→ No more deferring taxes on catch-up dollars
→ You pay tax upfront
→ Your withdrawals in retirement are tax-free
→ And if your plan doesn’t offer a Roth option, you may lose catch-up contributions entirely

That’s not a small tweak.
That’s a rewrite of the retirement playbook.

What else changes in 2026:

→ Catch-up limit jumps to $8,000 at age 50+
→ Ages 60 to 63 get a super-sized catch-up of $11,250
→ Employers must update plan documents or shut off catch-up contributions for high earners
→ Recordkeepers and payroll teams need to rebuild systems to make this work


This rule isn’t about retirement.
It’s about tax revenue.

Washington wants the tax dollars now.
So what should you do?

→ Check your 2025 FICA wages to see if you cross $150,000
→ Make a plan now for after-tax contributions
→ Revisit your long-term tax bracket assumptions
→ Talk to your plan admin during open enrollment so you understand your 2026 options
→ If you run a business, confirm your plan has a Roth feature or your high earners lose catch-up access

The people who wait until December 2025 will scramble.
The people who plan now will walk into 2026 ready.

This is not a future problem.
This is a 12-month planning window.

Your retirement strategy is about to shift from “reduce taxes today” to “optimize taxes over a lifetime.”

The question is whether you adapt or get blindsided.

If you want a breakdown for your situation, DM me “EDGE” and I’ll walk you through it.

You’re not running out of time.
You’re running out of opportunities.

Every December, the same thing happens.
Entrepreneurs rush to “minimize taxes” but miss the moves that actually build wealth.

Because tax planning isn’t about saving 5%.
It’s about spotting what everyone else overlooks 👇🏼

→ QSBS: Exclude up to $10M in capital gains if you qualify under Section 1202.
→ Section 1045: Roll those gains into your next venture and keep growing tax-free.
→ R&D Credits: Not just for tech. Even professional services qualify.
→ Energy Credits: Real estate and business owners can unlock five-figure incentives.
→ SALT Workarounds: Stop leaving deductions capped at $10K.
→ Charitable Stacking: Use a DAF to front-load multi-year giving for bigger write-offs.

If more than two of those are unchecked,
you’re leaving tax alpha on the table.
That’s the compounding edge of strategy over reaction.

Year-end isn’t about closing the books.
It’s about opening your eyes.

🔗 Schedule your Tax Opportunity Review before December 31: https://lnkd.in/gzRq-FDf

Hidden Tax Opportunities 

Giving feels good.
But giving strategically feels even better.

Most high earners write checks and miss massive tax opportunities.
Here’s the smarter play:
Front-load your giving through a Donor Advised Fund.

→ Take an immediate tax deduction
→ Avoid capital gains by donating appreciated stock
→ Support multiple charities over time

That’s not just generosity. It’s efficiency.

A DAF lets you turn one gift into years of impact, while cutting your tax bill today.

If you want to make your giving go further and your taxes shrink faster,

DM “EDGE” and I’ll walk you through how to use this strategy.

If you’re waiting until April to lower your taxes, you’re already too late.

There’s still time to slash your tax bill.
But you’ve got to be strategic, not reactive.

→ Got subscriptions? Pay them forward.
→ Planning events, ads, travel? Front-load them.
→ Need materials or coaching? Prepay with intent.

The IRS calls it the “12-month rule.”

The IRS “12-month rule” lets you deduct a prepaid expense in the year paid 
if the benefit does not extend beyond 12 months or past the end of the next tax year.

The game here isn’t to spend more.
It’s to shift timing and match deductions to a high-income year.

You’re already going to spend the money.
If you do it before January 1, you control the tax impact.

Alignment means using your spending to reduce what you owe.
Not reactively. Intentionally.
Not just to lower tax. To build momentum.

Your CPA might not even bring this up.
Most focus on recording what happened, not planning what’s possible.

The tax code rewards action before the calendar flips.
That clock is ticking.

If you’re juggling your financial life, you’re not leading it.

And if you’re not leading it, it’s leading you.

Being the decision-maker isn’t the same as being in control. 

If your days are spent reacting tax deadlines, market swings, last-minute advisor requests you’re not steering your wealth, you’re managing chaos. 

And chaos compounds into missed opportunities, unnecessary tax bills, and capital that’s never put to its best use.

Leadership in your wealth means clarity. 
Every dollar has a job. 
Every advisor works toward the same vision.
Every move builds on the last. 

That’s when your wealth stops existing as a collection of accounts and starts functioning like an integrated, purpose-driven machine.

You’ve already done this in your business. You built systems, aligned your team, and created growth that wasn’t dependent on you doing everything yourself. Now it’s time to apply that same model to your finances.

If you want to lead your wealth instead of juggle it, 

comment “EDGE” and we can shift from operator to owner.

Grateful for the people who make the journey meaningful 

Family, friends, clients, and community.

The real wealth isn’t in what we build, but in who we share it with.

Wishing you a Thanksgiving filled with gratitude, connection, and peace

How to build a legacy that outlasts your business?

Most entrepreneurs miss this critical step: Planning beyond profits.


Legacy planning isn’t a luxury it’s a necessity.

Start with these 4 steps:

1. Define Your Legacy Goals: Pin down what matters most. 
 
 → What do you want your wealth to achieve?
 → Who do you want to impact?
 

2. Optimize Tax Efficiency: The IRS shouldn’t be your biggest heir.
 
 → Explore trusts and charitable giving.
 → Coordinate with a tax advisor.
 

3. Solidify Your Estate Plan: Ensure assets are protected and distributed according to your wishes.
 
 → Regularly update your will.
 → Consider a family trust for control.
 

4. Involve Your Family: A legacy is about more than wealth, it’s about values.
 
 → Discuss financial goals openly.
 → Educate the next generation.
 

Are you taking the right steps to secure your legacy?

If you’re always reacting, your wealth is in the driver’s seat, not you.

Stop juggling. Start leading. 

That’s where money builds real momentum.

If your calendar is packed with tax deadlines, market swings, and last-minute advisor requests, you’re not steering your wealth just managing the chaos. 

And chaos compounds: in missed opportunities, avoidable taxes, and untapped capital.

True financial leadership means clarity. Every dollar is assigned. Every advisor is aligned. Every move reinforces your vision.

That’s when your balance sheet goes from a scattered mix of accounts to a single, integrated, purpose-driven machine.

Think about what worked in your business: you built systems, empowered your team, and scaled beyond just your own effort.

Apply that same playbook to your finances.

Ready to lead your wealth instead of juggle it?

You just got a $40,000 tax break  and most people haven’t even noticed.

The new SALT deduction cap just quietly jumped from $10K to $40K. 

For anyone earning under $500K, this isn’t small change… 

For years, high-tax state earners think California, New York, New Jersey  have been capped and crushed. 

But now? That cap just got blown open.

Here’s the math:

Let’s say you’re married filing jointly, your Adjusted Gross Income (AGI) is $480,000, and you paid $38,000 in state income and property taxes.​

• Under the old cap ($10,000), you’d only be able to deduct $10,000 of those taxes on your federal return.
  
• With the new cap ($40,000), you can deduct your full $38,000 paid.
  
• At a 37% top bracket, this means your federal taxable income drops by an extra $28,000 ($38,000 minus $10,000), leading to $10,360 in tax savings for your household ($28,000 × 0.37).​
  
• If your itemized deductions (with SALT, mortgage, etc.) now exceed the standard deduction ($31,500 for married joint filers), you’ll actually see this benefit.​
  
𝗥𝗲𝘀𝘂𝗹𝘁: A $10,000+ boost in federal tax savings simply by updating your itemized deduction planning. And if your AGI is under $500,000, you qualify for the full cap.​

Don’t wait for next April. 

The playbook just changed, and the tax code just handed middle-to-upper income professionals a rare win.

You are growing your businesses with zero control of cash flow.

When cash flow is chaotic, so is growth.

Here’s how to change that:

→ Regularly review and adjust your budget.

→ Use profits strategically, not impulsively.

→ Separate business and personal expenses.

→ Monitor cash inflows and outflows weekly.

→ Build a cash reserve for unexpected expenses.

→ Set clear cash flow goals that align with your vision.

Your business should be an asset, not a liability.

Control your cash flow, and you control your growth.

DM  “Blueprint” to create a cash flow strategy that fuels your success.

Wealth without alignment is just noise.

Noise hides leaks. Alignment exposes opportunities.

Most high earners feel it every day:

→ Accounts spread across firms
→ Advisors pulling in different directions
→ Important documents buried in a drawer

It looks like complexity. It feels like success. 

But in reality, it is fragmentation and fragmentation is a warning sign.

The real cost isn’t the hassle of keeping up. 

It is the opportunities lost when your wealth doesn’t communicate.

Wealth feels scattered when investments, taxes, and estate plans live in silos instead of in a system where every move strengthens the next.

The best results happen when everything connects.

→ If your assets, plans, and advisors aren’t working together, your legacy will always feel out of reach.
→ If things feel disconnected, it is time to take action.

Alignment creates clarity. Clarity builds confidence. Confidence drives lasting success.

Are you ready to connect the dots?

DM “Align” for a clarity call and start seeing your complete financial picture.

Taxes eating into your hard-earned income

And you lack a pro-active plan to build wealth

You unknowingly overpay every year because you lack a proactive tax plan .

Here's what a smart tax strategy can do for you: 

1) Maximize deductions 

 → Deduct travel expenses like client visits and conferences. 
 → Claim business meals and entertainment costs tied to work. 
 → Write off home office expenses, utilities, and maintenance costs. 

2) Optimize business structure 

 → Set up an LLC or S-Corp to reduce self-employment taxes. 
 → Ensure your structure aligns with your income level and goals. 
 → Integrate tax strategies with retirement planning for maximum benefits. 

3) Leverage retirement plans 

 → Use a Solo 401(k) to shelter business income while growing wealth. 
 → Contribute to SEP IRAs for higher deductions based on your earnings. 
 → Explore Safe Harbor 401(k)s for tax advantages and easier compliance. 

4) Capitalize on QBI deductions 

 → Adjust your salary to boost eligibility and savings. 
 → Maximize this deduction by aligning it with other tax strategies. 
 → Secure a 20% Qualified Business Income deduction with proper planning. 

5) Prevent costly mistakes 

 → Avoid penalties by planning for quarterly estimated tax payments. 
 → Stay compliant with tax codes unique to real estate professionals. 
 → Work with a CPA to review deductions and reduce audit risk. 


Want to see how much you could save?

Overpay

Most investors think tax planning is April’s problem.
That’s how they lose serious opportunities every December.

Here’s how to create year-end alignment, and keep more of what you’ve earned:

STEP 1 – Know your real tax position
→ Guessing invites penalties
→ Calculate Q4 now, adjust proactively
→ Waiting means scrambling under pressure

STEP 2 – Capture expiring deductions
→ Bonus depreciation drops January 1
→ Cost segregation studies take time
→ The deadline isn’t April, it’s now

STEP 3 – Review entity structure based on income
→ High W2? S Corp might help
→ Passive losses? Match with passive income
→ Adjust structure before year-end, not after

STEP 4 – Layer in lifestyle deductions
→ Business travel, car use, phones, kids, yes, kids
→ But only if structured properly and documented
→ Use what the tax code legally allows

STEP 5 – Sync tax planning with life goals
→ Don’t just cut taxes, build momentum
→ Align every move with your vision for wealth
→ Strategy is only useful if it supports your life

Which move are you still sitting on, with less than two months left in the year?

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