When a Roth Conversion Might Make Sense We implement Roth conversions throughout the year as part of our ongoing tax planning management for our clients. People sometimes don’t understand what’s in their Pre-tax 401K and…
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One crucial strategy overlooked in investment management is asset location, which should not be confused with Asset Allocation, which is how many stock-to-bond ratios you own in your portfolio. However, asset allocation is the investment…
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Here I go again with money moves I’ll make in our family finances for 2025, as this has become an annual topic. Many times, clients will ask how I invest money for my family. That’s…
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What does your dream of financial independence look like? For most, it’s living a life where work becomes optional rather than a daily necessity. However, many mistakenly assume it can only be achieved in retirement….
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Business owners face unique challenges, especially regarding their finances. They have more retirement plan options that could set them up for financial success in the future. Still, they also could pay higher taxes than a…
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I always wondered when someone self-insured for life events if they had too much insurance. We received a new client a few years back, and she had four whole-life policies and was collectively paying around…
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Paying taxes now and having tax-free withdrawals in retirement can offer peace of mind and simplicity during your retirement years. Here are a few reasons why some people find this approach mentally advantageous: Certainty: By…
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What are you doing with your 1.26 billion seconds during your working years? Those 1,262,304,000 seconds—about 40 years—can be used to set up a solid financial foundation for a successful retirement at 65. Here’s a…
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Health Savings Accounts (HSAs) are incredible, especially for high-income earners, because they offer a triple tax advantage, making them a powerhouse for tax deferral, medical expenses, and retirement planning. Here’s why: 1. Triple Tax Advantage…
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There are many great ways for a high-income earner to save for retirement, some strategies that I even use in my family’s financial planning. One thing I have in mind for today pertains to singles/couples…
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