Dealing with Tax Uncertainty

This week, the Senate will consider tax reform in the wake of its passage in the House. Washington watchers of all stripes are showing legislative forecasting fatigue. Congress has been embroiled in debate on tax reform, the future of the Affordable Care Act and other topics. Little substantive legislation has been passed. With tax reform […]

Accessing Your Retirement Money Early

If you wait until your 60s to retire, accessing your retirement savings is a straightforward proposition.  You can tap your Traditional IRA, Roth IRA, taxable investment accounts, and most work retirement plans without penalty.  But what if you need funds sooner than that? First, I should say we won’t consider whether you should access retirement […]

Where Your Next Dollar Should Go

Personal financial planning is all about setting priorities and then putting your resources to work to achieve them, while covering the big risks that could derail your financial future.  The thought is you want to give every dollar that comes into your bank account a job. Whether you’re a mid-career serial entrepreneur or in your […]

Three Little Known Ways to Save On Taxes

Little has been predictable in the national political arena over the last three weeks.  Few pundits predicted Trump would win, and even fewer presaged that the domestic stock markets would rally to all time highs.  Interest rates have moved upwards sharply as the market starts building in expectations for increased growth and a phenomenon gone […]

The Four Keys to a Satisfying Retirement

There are many milestones that signal you’re close to retirement.  It could be that you’ve put your kids through college and its painful tuition bills.  You’re attending an increasing number of work parties celebrating many years of loyal service.  You or a loved one may have suffered a health scare or setback reminding you that […]

Escape Taxes for Generations

New Roth IRA rules this year invite high income earners to join the tax-free party. For them, it’s an income and estate planning opportunity nonpareil. If you have the wherewithal and will to let your Roth span generations, it could help you turn $120,000 into over $5 million with no taxes or penalties. Roth contributions […]