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Roth Conversions – The Error in Conventional Thinking

Let’s start with some definitions before I dive into any acronyms and jargon. IRA = Traditional IRA Roth = Roth IRA NIIT = net investment income tax (3.8% surtax) RMD = required minimum distribution Convert = converting pre-tax traditional IRA dollars to post-tax Roth IRA dollars When tax and financial professionals speak of Roth conversions, the conventional […]

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A Taxing Journey: The Past, Present, and Future of Capital Gains

As a team of CERTIFIED FINANCIAL PLANNER™ professionals, we spend a lot of time thinking about how to generate Tax Alpha even when clients need to pull from portfolios in a pinch. While appreciated assets held a year or more are touted for their preferential tax treatment, if you decide to liquidate a sizeable chunk of your[…..]

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Legacy Planning and the Importance of Family Communication

This year, we’re inviting a handful of our most trusted colleagues to share their ideas and expertise on topics of interest to our clients. For this blog, we’re happy to introduce you to Curtis Kaiser, JD/MBA. Curtis, a Board Certified Specialist in Estate Planning, Trust & Probate Law, founded the Kaiser Law Group in Long Beach, California in[…..]

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The Inside Scoop on FICO 10T

Back in January the creators of the FICO score, Fair Isaac Corporation, announced changes coming this summer to the methodology used in measuring consumers’ credit worthiness. In summary, consumers with growing debt levels, or those who have fallen behind on loan payments, will be scored more harshly under its newest version, FICO 10T. So, what was the[…..]

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6 Retirement Plans for Self Employed and Small Business Owners

Whether you are self-employed or the owner of a small business, there is a wide range of retirement plans designed to meet your specific needs. The plan you choose depends on the size of your business, how it is structured and how much money you think you can afford to put aside. Self-employed individuals can take advantage[…..]

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Protecting Elders from Financial Abuse

This year, we’re inviting a handful of our most trusted colleagues to share their ideas and expertise on topics of interest to our clients. For this blog, we’re happy to introduce you to Laurie Kouzes. Laurie is a California Licensed Professional Fiduciary and partner with Professional Fiduciary Services, the largest group of licensed professional fiduciaries in Orange[…..]

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Three Thoughts During Scary Markets

So, remember all those times we’ve said that investment risks and expected rewards are related? Coronavirus-fueled fears, driving economic insecurities, aggravating a host of simmering global sore spots, spiraling into stomach-wrenching market sell-offs… Be it confirmed. Today’s unfolding news is the realization of those risks we’ve been talking about all along. In case you’ve forgotten – or[…..]