Megan Russell

Chief Operating Officer, CFP®, APMA®

Read More

2025 Contribution Limits
with No Comments

Even though it doesn’t feel like it sometimes, contribution limits are indexed to inflation.

#TBT The Economics of a Thanksgiving Turkey
with No Comments

This article should give you something fun to discuss this year.

Comparing Vanguard Total Market Fund Strategies (VT vs. VTI and VXUS)
with No Comments

By adding a little complexity and blending a portfolio of VTI and VXUS, you create the opportunity for three layers of benefits.

David John Marotta

President, CFP®, AIF®, AAMS™

Read More

#TBT Keep Christmas Your Own Way
with No Comments

In “A Christmas Carol,” Ebenezer Scrooge calls Christmas a “humbug” because of the foolish way people celebrate it. This 2008 article reminds us that it is sometimes wise to simplify Christmas.

Charles Schwab HSA to Fidelity HSA Conversion (2024 Update)
with No Comments

Within a matter of days my HSA and all of its investments were transferred from my Schwab account to a new Fidelity account with no charges.

#TBT The Economics of a Thanksgiving Turkey
with No Comments

This article should give you something fun to discuss this year.

Libby Horbaly

Wealth Manager, CFP®

Read More

New Roth i401(k) at Schwab
with No Comments

As part of SECURE Act 2.0 legislation, an Individual Roth 401(k) plan is a new account registration type available to Schwab clients.

How to See Your Schwab RMD Online (2024 Update)
with No Comments

On June 2024, Schwab provided an update about viewing and taking your RMD on Schwab.com.

Q&A: How Should I Invest My Cash?
with No Comments

Our recommendation is to keep money that may be needed within the next six months invested in a money market fund.

How to See Closed Account Information at Schwab
with No Comments

If closing an account at Schwab is in line with your goals, take comfort in knowing that you are able to close your accounts at Schwab without losing access to your important documents.

Distribute Your First 401(k) RMD in April or December?
with No Comments

Within employer-sponsored retirement plans, there are special provisions for employees (not owners) who continue to work beyond their typical required beginning date.

How to Set Beneficiaries on Your HSA with Fidelity
with No Comments

Once you’ve open an HSA and have started making contributions, it is important that you set beneficiary designations on the account.

Greg Vairo

Financial Analyst, CFP®

Read More

Q&A: Wash Sale: VFIAX and VOO?
with No Comments

The IRS has very limited case law on what constitutes a substantially different fund. However, here is what we do in our own trading.

How the Kiddie Tax is Calculated
with No Comments

Some investable assets in the name of the child can currently keep $2,300 of unearned income from the tax rate of the parents.

Can Taxable Life Insurance Benefits Contribute to an IRA?
with No Comments

If you have this fringe employer or former employer benefit, I hope you are able to take advantage of making small Roth IRA contributions throughout your retirement.

#TBT How to Make a Financial Independence Bucket
with No Comments

In honor of the Independence Day of the United States, this 2013 article reminds us to prepare for our own Independence Day.

2024 Tax Facts
with No Comments

Here is a reference chart with 2024 income tax rates, capital gains rates, retirement contribution limits, and more.

#TBT Harvest Major Capital Losses Whenever You Have Them
with No Comments

While you can only use $3,000 per year of capital losses to reduce your taxable income, you should bank as much capital loss as possible for other future uses.

Elizabeth Brew

Financial Analyst, CFP®

Read More

#TBT Can I Use 529 Funds for Off-Campus Housing?
with No Comments

Yes, but housing is one of many expenses that are subject to a reimbursement limit. Here’s how to do it.

Two Ways to Fix Social Security Filing Mistakes
with No Comments

If you are still in your 60s, the good news is your decision doesn’t have to be permanent. You actually have two ways in which you can change your benefit amount.

Who Should Own My Child’s 529 Account to Assist the FAFSA?
with No Comments

With the grandparents as the owner rather than the parent, the student may have a better chance of receiving financial aid.

#TBT How to Pay Off Student Loans While Building Wealth
with No Comments

With many of us saddled in student loan debt well into our late thirties, our retirement cannot wait for us to be debt free. This 2016 rewrite of a 2007 article teaches you how to get started with savings while repaying your loans.

#TBT Tackling College Costs at the Eleventh Hour
with No Comments

The best way to climb the mountain of college costs is gradually, but if you need to make some last minute leaps, our government has a few tax-related strategies.

ABLE Accounts: Tax-Advantaged Savings for People with Disabilities
with No Comments

ABLE accounts offer people with disabilities a new opportunity to save and invest for the future.

Like what you read? Subscribe to our newsletter!