Financial Planning
Life Insurance as a Roth Alternative: Turning Tax Liability into LegacyÂ
You’ve spent years saving carefully and watching your retirement accounts grow. It is a sign of progress, but it also comes with a catch. The larger your IRA becomes, the larger…
Read MorePartial Roth Conversions: A Smart Move for High-Balance IRAs Â
For many savers, a growing IRA feels like a reward for years of hard work and disciplined investing. Yet as balances climb into the high six or seven figures, those…
Read More5 Year-End Giving Mistakes to Avoid Before December 31 Â
As the holidays approach, charitable giving often moves to the top of the list. Between family gatherings, year-end deadlines, and donation requests filling inboxes, many people end up making last-minute…
Read MoreCar Loan Interest Deduction 2025 for Retirees and Tax Planning TipsÂ
When the One Big, Beautiful Bill became law in 2025, much of the attention focused on its impact on tax brackets and estate exemptions. While those headline changes shaped early…
Read MoreRetirement Taxes on Overtime and Tips: What the One Big, Beautiful Bill Changed Â
When the One Big Beautiful Bill became law in July 2025, most of the focus landed on estate tax changes and frozen income brackets. However, tucked inside the legislation are two overlooked…
Read MoreRetirement Tax Deductions 2025: What Pre-Retirees Should Know About the One Big Beautiful Bill Â
The One Big Beautiful Bill (OBBBA), signed into law on July 4, 2025, made headlines for freezing tax brackets and raising estate exemptions. While those changes captured most of the…
Read More2025 Tax Deductions You Don’t Want to Miss: OBBBA Planning Strategies  Â
When the One Big Beautiful Bill Act (OBBBA) was signed into law, it locked in several tax provisions and introduced a handful of new benefits. While many changes are permanent,…
Read MoreRoth Conversions in 2025: Should You Act Before Tax Rates Change Again? Â
A Roth conversion allows you to move money from a pre-tax retirement account, such as a traditional IRA or 401(k), into a Roth IRA. Taxes are due on the amount…
Read MoreHow to Handle a Financial Windfall Before December 31 Â
A financial windfall can come in many forms. It might be a bonus from work, an inheritance, or the sale of a property. Whatever the source, receiving a financial windfall all at…
Read MoreYear-End Investment Portfolio Review: What to Look At Before December Â
The end of the year is a natural checkpoint for reviewing your investment portfolio. Market movements over the past months may have shifted allocations, and personal goals often evolve over…
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