As we enter the final quarter of 2024, it’s a great time to explore some often-overlooked tax planning strategies. September and October are ideal for this, giving you a few months to implement these strategies…
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Mitigating the Impact of the “Widow Tax”
Financial planners often use the term Widow Tax to describe the situation where a surviving spouse inherits tax-deferred retirement accounts from a deceased partner, potentially leading to a substantial tax burden. This issue primarily arises…
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August 2024 Newsletter | 8 Key Themes to End 2024
As we enter the final weeks of summer, we wanted to share a concise update on eight key themes we’re currently focusing on in the financial markets, along with the strategies we’re implementing as we…
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Are Roth 401(k) Contributions Worth it?
Due to the SECURE Act 2.0 passed in 2023, more employers now allow employees to make Roth contributions to their retirement plans (401(k), 403(b), 457, SEP, SIMPLE, etc.). This change is driven by a new…
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May 2024 Newsletter | Concentrated Stock Ownership Challenges
US equities have been exceeding expectations this year. The performance of US Large-cap stocks has largely been fantastic in 2024, with the S&P 500 up almost 10% since the start of the year (*as of…
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Maximize your retirement savings with Post-tax contributions
Employees in both the private and public sectors have various options for saving for retirement. The most common retirement plans are 401(k)s, 403(b)s, and 457 plans, but others like SEP-IRAs and SIMPLE plans are also…
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March 2024 Newsletter | Implications of a TCJA Sunset
The Tax Cuts and Jobs Act enacted under the Trump administration in 2017 brought with it major changes in the way of tax and other regulatory implications. As of now, TCJA is set to sunset…
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February 2024 Newsletter – Financial Planning Services
As we march further into the new year, we wanted to provide a brief update on the quality services we are proud to offer. Every action we take is carefully calculated and considers an individual’s…
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Is your Estate Plan part of your New Year’s Resolutions? It should be!
By Eileen Ortega, CTFA It is a New Year and many of us approach each New Year with a clean slate. There are countless bandwagons to jump onto such as starting an exercise regimen, joining…
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How Looking At History Can Help Our Financial Future
In ‘normal’ times, the best advice following a market decline is “Keep calm and carry on.” With all that is going on in the world right now, however, we might be thinking that this time…
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