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Turn Down the Money!

If you receive income from an organization to which you also donate, you may want to consider volunteering or taking a pay cut instead of donating.

Published on: 10/17/2019  |   Category: Financial Plan  Taxes 

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Tax Risk and Roth Conversions

Tax Risk and Roth Conversions | Investment Management

Many retirees with a steady income from their 401(k) or traditional IRA accounts may have never considered a Roth conversion strategy.  Other retirees might have looked at a Roth conversion in the past but thought it might not be for them because paying the required taxes up front can be a tough pill to swallow.

Published on: 08/23/2019  |   Category: Financial Plan  Taxes 

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Cash Secured Puts vs Call Overwrite

Cash Secured Puts vs Call Overwrite | Investment Management

If you are an investor searching for yield, you may have heard about selling cash secured puts and/or call overwrite.  Both strategies appear attractive because the options seller receives money (the premium) today and might not need to do anything in the future.  In addition, there is some research that suggests selling options may be profitable.  Both strategies have risks that are important to consider and for some investors neither strategy may be appropriate.  Rather than evaluate the appropriateness and effectiveness of option selling as an investment strategy, this article will explain some of the key differences between selling cash secured puts and call overwrite.

Published on: 08/22/2019  |   Category: Investment Management  Financial Plan 

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California Tax Uncertainty

California Tax Uncertainty | Investment Management

A bill has been introduced to the California Senate (SB378) to introduce a 40% state estate tax.  Unlike the federal estate tax which has a $11.4mn exemption, this proposed state tax would only have a $3.5mn exemption. 

Published on: 05/10/2019  |   Category: Financial Plan  Taxes 

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Financial Planning in the Year of Spouse's Death

Financial Planning in the Year of Spouse's Death | Investment Management

The year of a spouse’s death is a difficult time.  It is also a crucial period for making sure the surviving spouse has enough to provide for their remaining years. Starting a financial plan early on can help mitigate the stress associated with navigating financial decisions when this occurs.   

Published on: 12/24/2018  |   Category: Financial Plan 

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Donor Advised Funds - An Accessible Giving Strategy

Donor Advised Funds - An Accessible Giving Strategy | Investment Management

If you strive to give to charity each year, but have variable income, a donor advised fund could be a good fit for you. Donor advised funds allow you to take a tax deduction today for funds set aside for future donations. Once money is put into the donor advised fund, it can only be sent to charity. We can open donor advised funds can be opened with an initial contribution of $5,000 or more.

Published on: 12/17/2018  |   Category: Financial Plan 

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529 Plans - Tax Free Returns for Future Education Expenses

529 Plans - Tax Free Returns for Future Education Expenses | Investment Management

Every year, many people spend considerable time trying to discern the best gift for family members. Despite the time spent by givers, many of the gifts are ultimately returned or unused.

Published on: 12/10/2018  |   Category: Financial Plan 

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