Annuities as an RMD Answer: Navigating Potential Pitfalls
There are valid reasons for an annuity-within-an-IRA strategy, but a poorly executed annuity purchase strategy can cause unnecessary expenses.
ABLE Accounts Yield Tax-Preferred Special Needs Savings
ABLE accounts represent a valuable tax-preferred planning tool for disabled individuals, but they are just one piece of the puzzle.
Net Unrealized Appreciation Could Yield a Pleasant Tax Surprise
For some employees holding company stock who leave their job, there's an alternative to rolling their 401(k) into an IRA.
After the DOL Fiduciary Rule, Enter the Fee-Based Variable Annuity
The long-suffering product class may be ripe for a comeback as hefty VA commissions are frowned upon under the DOL rule.
Who’s Tracking IRA Basis? Enter the Advisor
Rollovers, conversions, nondeductible contributions and inherited accounts can all impact how distributions are taxed.
Excess 529 Plan Funds: Putting Them to (Tax-Preferred) Work
The rules governing excess 529 college savings funds are nuanced and surprising, so the devil's in the details when it comes to maintaining their tax-preferred status.
HSAs, Medicare and Social Security: Avoiding Tax Penalties
Once eligible to receive Medicare benefits, a client can no longer contribute to an HSA, but the story doesn’t end there.
The Next Big Thing? Annuitant-Driven Annuities
Postmortem tax issues on annuities can be addressed when the contract is purchased now that insurance carriers offer a new form of fixed indexed annuity.
New Estate Planning Strategies for a Post-Portability World
In particular, if your clients are still relying on credit shelter trusts set up before 2013, beware the adverse tax consequences.
Mitigating Postretirement Health Expense Risk
Postretirement healthcare costs can be a significant expense, fortunately there are planning vehicles and income minimization techniques that can help.