Most people think of a Health Savings Account (HSA) as a place to park money for copays and prescriptions. Swipe the card, move on, repeat next year. That approach works, but it barely scratches the surface of what an HSA…
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January 1st Tax Changes You Need to Know: What’s New, What’s Ending, and How to Plan
January 1, 2026 wasn’t just a symbolic fresh start this year; it was a real line in the sand for a long list of tax provisions tied to the major OBBBA changes. Some benefits begin on January 1st, while others…
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Inherited IRA Rules Explained: RBD, Beneficiary Types, and Tax Implications
Trillions of dollars in Baby Boomer assets will be transferred in the coming years. Beneficiaries may end up with multiple Inherited IRAs, each with varying distribution requirements. Careful management is needed to minimize taxation, thereby maximizing return. Note: Beneficiaries must…
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Using a Donor-Advised Fund as an IRA Beneficiary: A Tax-Efficient Charitable Strategy
When most families start thinking about the legacy they’ll leave behind, they want a plan that’s both financially smart and genuinely meaningful. One option that checks both of those boxes is to name a donor-advised fund (DAF) as the beneficiary…
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The Big Beautiful Bill: What It Means for You
The “Big Beautiful Bill,” officially known as the One Big Beautiful Bill Act, is a sweeping tax and spending package signed into law on July 4, 2025. Championed by President Donald Trump, this legislation merges permanent tax cuts and new…
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Separating Fear from Fact in Market Valuations, Taxes, and Social Security
Remember when we didn’t have access to breaking news every second? We’d wait for the newspaper or the nightly news to get information and then move on with our lives. Now, we are inundated with bulletins and can’t seem to…
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Charitable Giving with Donor-Advised Funds and Charitable Trusts
Charitable giving is a meaningful way to make a difference in the world while also reaping potential financial benefits. For individuals and families with significant wealth or a desire to create a lasting philanthropic legacy, donor-advised funds (DAFs) and charitable…
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