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5 Big Changes to Roth Accounts in Secure Act 2.0
The Secure Act 2.0 was signed into law December 29th, 2022, bringing more major changes to tax law. Among the most notable changes include a
Secure Act 2.0 to Bring Sweeping Changes to Retirement Rules
Congress is once again poised to make sweeping changes to the retirement and tax rules in the last two weeks of the year. The Secure
Donating Stock to Charity
Donating appreciated stock to charity can be a great way to give back and reduce your tax bill. Taxpayers who itemize get a tax deduction
Massachusetts ‘Millionaires’ Tax Applies to Sudden Wealth Events
Taxachusetts is back. In November 2022, proponents of the Massachusetts ‘millionaires’ tax (question 1) won their bid to nearly double the income tax rate on
Avoid Self-Inflicted Losses in a Down Market
Declines in the financial markets are an uncomfortable part of investing. Taking steps to plan ahead of a market decline is best, though what you
Frozen IPO Market Reveals Dangers of Pre-IPO Exercising & Pre-Spending a Windfall
The Instacart IPO is on hold…again. What should employees with stock options do when their employer’s IPO stalls? In truth, best practices around an IPO
The Best Way to Take Required Minimum Distributions (RMDs)
Updated for 2023. Planning can help optimize annual required minimum distributions depending on your goals and cash flow needs. After the passing of Secure Act
2023 IRS Contribution Limits and Tax Rates
The IRS has released the 2023 contribution limits for retirement plans and other cost-of-living adjustments. The agency also released tax brackets for ordinary income and
What to Do With Cash When Interest Rates Rise
Good news is hard to find in the financial markets this year. But there is one silver lining: cash is worth something again. So if
Should You Pay Off Your Mortgage Before Retirement?
Is retiring with a mortgage a good idea? Most individuals will jump through hoops to live mortgage-free, regardless of whether it makes the most sense
What’s The Best Thing To Do With Inherited Money?
There are lots of ways to spend an inheritance. But just because you have options, doesn’t mean they’re all good options. After receiving an inheritance
9 Charts Every Investor Should See
Investing during periods of volatility can be difficult, especially when markets seem arbitrary. Gaining a historical perspective can help expectations for investors and reframe events
IRS Wants to Change the Inherited IRA Distribution Rules
UPDATE: On October 7th, 2022, the IRS released Notice 2022-53 announcing final regulations will be forthcoming and will apply (at earliest) to the 2023 distribution year. Individuals
Developing an Exit Strategy for Stock Options in a Down Market
Stocks are down this year, pretty much across the board. Unfortunately, there are some companies that won’t survive the downturn. Even for the ones that
Reasons to Include International Investments in Your Portfolio
The United States currently represents 60% of the global equity market.¹ This means investors with an extreme home bias are ignoring 40% of the equity
Should You Buy Treasuries?
With interest rates going up, Americans are rushing into U.S. Treasuries at a record pace. Wondering if you should buy Treasury notes or bills in
What a Down Round Means for Employees with Stock Options
Quite simply, a down round is when a company raises money at a lower valuation per share relative to earlier financing rounds. A simple example:
Considering an Adjustable Rate Mortgage (ARM) When Rates Rise
Interest rates are rising, and that’s bad news for homebuyers. The national average rate on a 30-year fixed mortgage is now over 5%. After being