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Our Articles

In Roth Conversions, Reducing Your Taxable Income is One of the Benefits
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Roth conversions can decrease your taxable income and increase your tax savings over the long haul.

#TBT Eliminate the Capital Gains Tax
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Maybe if we say it enough, it will actually get done. “The correct rate for the capital gains tax is zero, zip, nada. Perhaps it is even negative!”

A Closer Look at Net Investment Income Tax (NIIT)
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The 3.8% Net Investment Income Tax (NIIT) is a Medicare contribution tax on investment income.

Baby Registry Guide from a Financial Planner (Updated 2024)
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Now that we’ve been parents for a few months, I can confidently say all of these items vastly improved our journey into parenthood.

#TBT Three Reasons To Engage In Gift Giving
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The holiday cliché is to complain about hyper-materialism, but according to anthropologists, gifts and gift giving help shape our identities.

What to Expect Now That the S&P 500 Reached 5,000
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If this level of volatility isn’t your expectation, you are not yet familiar with normal volatility in the markets.

Freedom Investing in Review (December 2023)
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This quarter, we saw that in 1-year returns using the dynamic tilt and ending December 31, 2023, Developed Freedom Investing had a -4.21% disadvantage, Emerging Market Freedom Investing had a +4.78% advantage, and Overall Freedom Investing had a -1.46% disadvantage.

#TBT Cash Has Been the Riskiest Investment
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This 2007 post reminds that because of inflation the value of cash trends down, encourages you to protect your portfolio against a falling dollar, and reveals an inconsistency with CPI calculations and actual inflation.

The Complete Guide to IRA Contributions and Withdrawals
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Individual retirement accounts (IRAs) are one of the most important account types, and understanding the difference between Roth and traditional contributions and withdrawals is foundational to tax planning.

#TBT Diversify and Rebalance More Than Just Your Investments
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Life is volatile, risky, and on average rewarding. Diversification and rebalancing help to protect yourself from the volatility.

Q&A: What Happens to an Inherited IRA RMD After a Multi-Beneficiary Trust Dissolution?
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While not the most favorable RMD rules imaginable, I’m sure it is still a relief to know that you don’t need to navigate the new SECURE Act rules just because you dissolved the trust.

#BestOf2023 Why the Verizon Visa Credit Card is My Primary Card
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I have adopted this card as the primary one in my wallet for groceries and gas.

Investment News You Maybe Missed (2022 Bear Market)
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Hopefully, you didn’t bother looking, and I can be the first to tell you.

IRS Guidance on Pension-Linked Emergency Savings Account (PLESA)
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What procedure can you put in place to prevent employer match churning? That is still unclear.

#BestOf2023 How to Use Form SSA-44 To Save Money
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If the form is accepted, the Social Security Administration will generally not only change your current IRMAA, but they will also use your Projected MAGI for the next several years. Here’s why.

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