by Craig Moser on April 20, 2018
Spousal IRA’s are unique. They allow a working spouse to make IRA contributions for a spouse who doesn’t work or doesn’t have enough earned income to make individual IRA contributions. There are some specific rules and requirements, but they help […]
Continue Readingby Craig Moser on April 13, 2018
You’ve paid off your house and the kids have moved out, leaving you without any beneficial tax write offs. You want to give to charity, but also want to take advantage of the charitable giving tax break. A QCD may […]
Continue Readingby Craig Moser on April 6, 2018
Many retirement plans don’t require taxes during the accumulation phase. However, at some point, you always pay taxes on income. There is no skirting it. Because you withdraw from those tax-deferred retirement plans during retirement, you also pay taxes on […]
Continue Readingby Craig Moser on March 23, 2018
Healthcare is still a hot topic. So are HSAs (Health Savings Accounts). Proponents advocate expanding HSAs to save on health costs, and highlight their ability to provide tax breaks. Opponents argue HSAs don’t help people can’t afford them. Here are 10 […]
Continue Readingby Craig Moser on March 9, 2018
Are you thinking about signing up for a non-qualified deferred compensation (NQDC) plan? If so, you’re agreeing to defer part of your annual income until you retire (or some other future date.) Before signing up, you should understand the impact […]
Continue Readingby Craig Moser on February 23, 2018
The Tax Cuts and Jobs Act made substantial changes to our tax laws. Most tax brackets changed, most deductions are eliminated, and qualified retirement plans are affected. Are you wondering what the new law means for your IRA? Here are 4 […]
Continue Readingby Craig Moser on February 9, 2018
“Writing covered calls” is a term many outside the financial industry don’t understand. Simply put, it’s a strategy to produce income by writing (selling) options against shares of stock you currently own. Typically, you sell one contract for every 100 […]
Continue Readingby Craig Moser on January 26, 2018
When you look at the past 5 years, you see an increase in “passive investing”. In 2017 alone it has gone up over 500 Billion dollars. Passive investing is appealing due to lower costs. There isn’t a person making buy or […]
Continue Readingby Craig Moser on January 12, 2018
For those boomers born between July 1, 1946 and June 30, 1947, you turned 70 ½ in 2017. That means you need to take your first required minimum distribution (RMD) from your IRA and other “Pre-Tax” accounts. Here are the […]
Continue Readingby Craig Moser on January 5, 2018
The U.S. government has made the promise of social security and medicare to its citizens. So, what is a promise? It’s “an express assurance on which expectation is based.” One party offers an assurance, which the other converts into an […]
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