The Investor Taxation Lifecycle
We are not CPAs nor are we tax preparers, but a great deal of our time is spent working with clients and their professionals honing a financial plan that is tax efficient. We advise our clients to hire a CPA with whom we can work together to manage their financial plans. The financial plan and […]
Alternative Uses of Social Security Income
Key Takeaways: If you live a longer than average life, you will very likely receive more in Social Security if you wait until age 70 to claim. However, in numerous situations, we have advocated for earlier enrollment if the client’s situation justifies doing so. In most of these instances, the rationale is a combination of […]
When Too Much Tax Deferral Becomes Counterproductive
Click here to watch video in new window. Most of us have been told from early on in our careers to defer as much income as possible to ensure we’ll be properly prepared for retirement. While not bad advice, most of these strategies involve only qualified deferrals, meaning all income tax gets punted until the […]
Give and Get: Qualified Charitable Distributions
Key Takeaways Tax reform has decreased the households who itemize to about 10% of taxpayers. Those who don’t itemize may not realize tax benefits from charitable donations. Qualified Charitable Distributions help donors above age 70 ½ realize a tax benefit. Donors younger than 70 ½ should consider the timing of their contributions. With Scottie Scheffler […]
The Inverted Yield Curve of April 2022
Key Takeaways: The 2-year/10-year yield curve inverted for the first time since 2019. This type of inversion has preceded the last eight recessions. Proper portfolio allocation can help insulate investors from the negative outcomes of recessions. Three years ago today, on April 4, 2019, I wrote about the Inverted Yield Curve […]
