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Roth IRA For Kids

Small business owners may find it challenging to find ways to provide additional benefits to their children who work for the company. One often overlooked choice is including a Roth individual retirement account (IRA) as part of their compensation, a strategy that offers the potential to benefit both the children and the business. Small businesses

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Preparing for the Tax Cuts and Jobs Act Sunset at the End of 2025

Looking to prepare for possible tax cuts and the Jobs Act Sunset. It’s not too early to begin thinking about any tax changes that may be on the horizon. The Tax Cuts and Jobs Act (TCJA) of 2017 was designed to overhaul the federal tax code by reforming individual and business taxes. As a result,

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Securing Your Financial Future After the Loss of a Spouse

Securing your financial future after the loss of a spouse is a journey that requires navigating through a complex array of survivor benefits. It’s a path marked by paperwork and policies, yet it’s also a passage that can lead to financial stability and independence. As you step into the role of both beneficiary and steward

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So What Exactly IS a Roth Conversion?

The Basics and Benefits When it comes to retirement planning, the term “Roth conversion” often comes up, but its intricacies can be elusive. Simply put, a Roth conversion is a financial strategy where you move your retirement savings from a Traditional IRA or another qualified plan into a Roth IRA. This action changes your funds

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Adapting to the New Stretch IRA Rules: A Simplified Guide for Savvy Investors

If you’ve been paying attention to the world of retirement planning, you’re likely aware of the changes to stretch IRAs due to the SECURE Act. While these alterations may seem complex, there are still ways to maximize your tax benefits. Here’s an easy-to-understand guide to help you adapt and make the most of your retirement

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Texas Educators, Here’s How to Add $500,000 to Your Retirement

Retirement planning can often seem like a complex puzzle, but there’s a strategy that could significantly enhance your retirement income. It’s known as the ‘Last 60-Month Rule’, a part of the Government Pension Offset (GPO) provision. The GPO can reduce Social Security benefits for individuals who receive a pension from a federal, state, or local

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What Will Be Your Legacy?

Only one-third of adults have an estate strategy document, such as a will, in place – which may not be entirely surprising. No one wants to be reminded of their own mortality or spend too much time thinking about what might happen once they’re gone.1 But a will is an instrument of power. Creating one

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Audit-proof Charitable Deductions

Charitable contributions provide not only an opportunity to make a positive impact but also a chance to save on taxes. However, it’s essential to navigate the rules carefully to avoid potential audits from the IRS. In this article, we will explore four strategies to maximize tax benefits while minimizing the risk of audits. By understanding

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Unraveling the Impact of Interest Rates, Inflation, and Taxes on Investment Returns

In my role as a Wealth Management Professional, it is crucial to address investor concerns about interest rate fluctuations and their impact on investment choices. One common question that arises is whether an increase in interest rates for bond investments should prompt a shift from equities to fixed income. In this blog, we will explore

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Demystifying Social Security Taxation: What You Need to Know

As a financial advisor, one of the most common questions I receive from clients is, “Will my Social Security benefits be taxed?” Understanding how Social Security benefits are taxed can be crucial for effective retirement planning. In this blog post, we will explore the basics of Social Security taxation, how to determine if your benefits

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