Non-Deductible IRAs – A Comprehensive Guide

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Non-Deductible IRA vs. Brokerage Account Which is better: investing in a non-deductible IRA or a Brokerage account? Well, after-tax contributions to a traditional IRA are a common problem. These results in basis in your IRA. That is, you have money [&#...

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Tax Planning Window in Retirement

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Tax Strategies for Retirement – The Tax Planning Window What are the best tax strategies for retirement? First, we will discuss the tax planning window, and the optimal time to do tax management strategies in retirement. Next, not infrequently, t...

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What Is Tax-Loss Harvesting and How Does It Work?

Tax-loss harvesting lets you use underperforming assets to lower your taxes. But managing your portfolio is complicated enough — is tax-loss harvesting even worth it? The short answer is yes. And advisory services leveraging modern technology can help ...

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SLATs — I want an Estate Tax Problem!

I Want an Estate Tax Problem! SLATs If you have succeeded in your gathering and protection of assets, you just may have a Federal Estate Tax problem. Consider a SLAT. How about that for a new financial goal: I want […]

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Hedging Against Inflation and Monetary Policy Risk

July 5, 2022 Over the last few decades, we’ve become accustomed to a negative correlation between stocks and U.S. Treasury bonds. Bonds used to serve as a great diversifier against macroeconomic risk. Specifically, the last four downturns in 1991, 2001, 2007-2009, and 2020 were all so-called “demand-side” recessions where the drop in GDP went hand-in-hand … Continue reading Hedging Against Inflation and Monetary Policy Risk

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2026 Tax Brackets: Why Your Taxes Are Likely to Increase in 2026 and What to Do About It

Due to the the TCJA expiration, your 2026 tax brackets and rates will rise. Find out why and how to prepare for the increase.

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A Powerful Retirement Saving Secret: Use Tax Advantaged Catch Up Contributions When Over 50

Catch up contributions are the IRS’s way of making it easier for savers age 50 and up to tuck away enough retirement savings.

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The Pension Series (Part 31): Grumpus Maximization

Pension Maximization Part Deux This post is a direct continuation of Pension Series Part 30. In that article, I introduced my general framework for maximizing your defined benefit (DB) pension, which I call Grumpus Maximization. I also walked through t...

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The Most Important Concept in Retirement Planning

Tax Rate Arbitrage and Roth Planning Tax rate arbitrage is the most important concept in retirement planning. You must understand tax rate arbitrage to buy the government out of your retirement. When should you harvest/accelerate income, and when shoul...

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What Is IRS Tax Form 1098 (Mortgage Interest Statement)?

As tax forms go, the 1098, Mortgage Interest Statement ranks among the simplest as you prepare your tax return. But there are some things you need to know about Form 1098 and how to use it in your tax return. The post What Is IRS Tax Form 1098 (Mortgag...

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5 Different Types of Taxes and How to Minimize Them

Americans are on the hook for several different types of taxes throughout the year. Luckily, there are ways to reduce your tax burden and spread out the impact taxes have on finances. Here are five types of taxes you may be subject to at some point, al...

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