Resources

Should I Contribute To My Roth IRA Vs. My Traditional IRA?

This guide helps you decide between Roth and Traditional IRA contributions by comparing current vs. future tax rates, deduction eligibility, and withdrawal rules.

Will My Roth IRA Conversion Be Penalty Free?

This guide helps determine whether a Roth IRA conversion will trigger penalties based on factors like age, account type, timing, and Medicare or subsidy eligibility.

Can I Make A Mega Backdoor Roth Contribution 2025?

This guide helps you determine if your 401(k) plan supports Mega Backdoor Roth contributions by evaluating contribution limits, plan rules, and conversion options.

Withdrawals for Retirement Expenses?

This guide helps retirees decide which account to withdraw from next: Roth IRA, traditional IRA, brokerage, HSA, or 529, based on current and future tax brackets, purpose of the withdrawal, and strategies to reduce lifetime taxes.

Can I Avoid Taking My RMD After Reaching My Required Beginning Date RBD?

This guide helps you determine whether you must take a required minimum distribution (RMD) or if you qualify for the still-working exception, with considerations for employer plans, IRAs, and ownership status.

The OBBBA Summary Guide  

This comprehensive guide compares current tax law with changes introduced by the One Big Beautiful Bill Act, including standard deductions, itemized limits, credits, QBI deductions, student loan repayment changes, and estate tax rules.

Taxation-Guide-To-Withdrawals-And-Income-Source-2025

This chart summarizes how various income sources, such as IRAs, Roth accounts, annuities, HSAs, 529s, and rental property, are taxed at the federal and state levels, including penalties, AGI sensitivity, and applicability of the 3.8% Net Investment Income Tax.

Will My Roth IRA Conversion Be Penalty Free? This guide helps determine whether a Roth IRA conversion will trigger penalties based on factors like age, account type, timing, and Medicare or subsidy eligibility.

What Issues Should I Consider Regarding My Non Qualified Stock Options?

This guide outlines tax, planning, and exercise considerations for NQSOs, including grant and vesting rules, IRC §83(b) and §83(i) elections, exercise and sale strategies, and risk management for concentrated stock positions.

Will I Have To Pay Tax On My Qualified ESPP?

This guide explains how taxes apply to shares purchased through an Employee Stock Purchase Plan (ESPP), distinguishing between qualifying and disqualifying dispositions, and how the holding period and discount affect income and capital gains tax.

Will I Receive A Step Up In Basis For This Gifted Property 2025?

This guide explains how the cost basis of gifted property is calculated, including when the donor’s basis carries over, how the double basis rule works, and whether gift tax paid or spousal transfers affect your adjusted basis.

Common Long Term Care LTC Products

This guide compares key features of four standard LTC solutions: Traditional LTC Insurance, Life + LTC, Hybrid Life with LTC Rider, and Annuities with LTC Riders, covering premiums, tax treatment, inflation protection, underwriting, and suitability by client goal.

Common Life Insurance Policies

This guide compares key features of Term Life, Whole Life (WL), Indexed Universal Life (IUL), and Variable Universal Life (VUL), including premium structures, cash value growth, tax treatment, policy design, and which type each serves best.

What Issues Should I Consider When Establishing And Maintaining My Emergency Fund 2025?

This guide walks through how to size, fund, and position an emergency fund, taking into account income stability, health risks, rental or business ownership, insurance deductibles, and the use of Roth IRAs, HSAs, and other flexible funding options.

Where Should My Next Dollar Go?

This guide helps prioritize where to save or invest your next dollar considering factors like financial security, employer match, retirement goals, liquidity needs, tax planning, and short-term expenses.

Should I Lease Or Buy My Next Automobile?

This guide compares the financial and lifestyle trade-offs of leasing vs. buying a car, including depreciation, mileage limits, flexibility, tax deductions for business owners, and how long you plan to keep the vehicle.

What Issues Should I Consider When Buying a Home?

This guide helps evaluate the full financial impact of buying a home, including mortgage qualification, down payment sources, cash flow planning, tax benefits and limitations, insurance needs, and estate considerations.