5 Ways to Take Advantage of the Market Downturn
Look for opportunities created by lower markets, which include evaluating employer stock, performing Roth conversions, and investing before the market rebounds.
Year-Round Tax Planning Strategies
With the top marginal tax rate now at 37%—and the Medicare surtax on investment income adding another 3.8%—tax efficiency is more important than ever.
Save Early, Save Often, and Save Tax Efficiently
Opportunistic tax planning can help extend the life of your retirement savings. Here’s how.
Five Common Mistakes When Taking Qualified Charitable Distributions From Your IRA
Making charitable gifts from your IRA instead of your checkbook can be an excellent tax management strategy. Doing so helps you to fulfill your required minimum distribution while reducing taxable income dollar for dollar.
A Guide to Required Minimum Distribution Rules for IRAs and Employer Plans
RMD rules are similar for both types of accounts, but there are some differences.
What’s a Bond Ladder and How Does It Work?
This strategy of diversifying bonds can help smooth out the ups and downs of the market.
More Ways to Lessen the Impact of the SECURE Act
Here, we offer further strategies for heirs of retirement accounts to maximize the after-tax value of their funds.
Hardship Withdrawals – What are the Real Costs?
Withdrawing money early from a retirement account is meant to be a last resort—and can come with consequences. Make sure you know these penalties and exemptions first.
You Inherited an IRA under the SECURE Act—Now What?
Follow these strategies to design a distribution plan with tax efficiency in mind.
Follow This Formula When Converting an IRA to a Roth
Here, we break down the IRS pro-rata rule—a calculation that helps distinguish pre-tax and after-tax funds.
Using the New Three-Legged Stool™ Strategy to Support the Weight of Your Income
Protecting your portfolio from avoidable income tax is key to creating a sound income strategy for retirement.
Know the Tax Consequences of Your Hobby
Is that new pursuit a hobby or a business? Learn the difference and follow the corresponding tax rules to avoid penalties.
What to Know Before Drawing Social Security Benefits
Deciding when to begin Social Security benefits is complicated. Weighing these factors, and running careful tax projections, can help.
How the New Three-Legged Stool™ Strategy Helps Reduce Taxes in Retirement
Learn how diversifying your taxability (not just investments) is key to creating a sound retirement plan.
Consider These Three Factors Prior to Drawing Social Security Benefits
Keep in mind that claiming Social Security benefits before FRA results in a permanent reduction in the benefit amount, whether you are claiming spousal benefits or your own.
The Differences Between Estate and Inheritance Taxes
Estate tax is levied against someone’s estate upon death and is based on the size of the total estate. Inheritance tax is levied against the heirs of an estate.
9 Retirement Decisions You’ll Want To Make With a Specialist
It’s wise to use an adviser whose primary focus is on strategies that maximize the retirement experience.
You May Be Able to Reduce the Taxes from Inherited Assets
If you’re the beneficiary of retirement accounts or other inherited assets, it pays to learn about the IRD deduction.
12 Ways to Avoid a Penalty on Early Withdrawals
If money is taken from an IRA before age 59 1/2, a 10% excise tax penalty is applied to the amounts withdrawn—unless it meets one of the twelve exceptions.
Passive Investing: Index Mutual Funds vs. Exchange-Traded Funds (ETFs)
The difference can be summed up in two words: intraday trading. Unlike mutual funds, ETFs can be bought and sold anytime throughout the day.
