Financial Planning

Some clients have asked about the way that we administer fees and if there was a more tax advantaged way to pay these fees. The following article discusses the tax consequences of paying fees in various ways as well as the ultimate benefit, if any, of choosing one manner over another.
Many retirees have a substantial portion of their assets in qualified plans and/or Individual Retirement Accounts (IRAs). It takes a working lifetime to save prudently and invest wisely to accumulate an adequate nest egg to retire on. A commonly overlooked issue, however, is to determine what will happen to the account at your passing.
If your company plan includes highly appreciated company stock, you may want to consider withdrawing the stock and rolling the rest of the plan assets over to an IRA.
In this paper I will discuss several other factors to consider when deciding whether a Roth IRA conversion is beneficial for your situation.
In this article I will discuss several of the factors to consider when deciding whether to make a Roth IRA conversion.
While the rules promulgated in the American Taxpayer Relief Act of 2012 were stated in the law, the application of those rules is becoming clearer as we have time to dissect them. This article is of timely importance if you were thinking of contributing an IRA distribution to charity in 2012 or 2013.
Not to let us down, our esteemed Senators and Congressmen came to an agreement to solve the so-called “fiscal cliff.” The tax act known as the American Taxpayer Relief Act of 2012 does a lot for taxes, a little for the sequestration, and changes several health care rules.
The road map to retirement contains five paths: government benefits, company benefits, tax-deferred savings, tax-free savings, and taxable savings. Each path has different tax consequences, different rules on putting money in, and different rules on getting money out.

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