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Net Unrealized Appreciation: A Tax Strategy for Company Stock in Your 401(k)
If you have accumulated company stock inside your 401(k) plan, the net unrealized appreciation (NUA) strategy is one of the most powerful and least-known tax […]
Roth Conversions During a Down Market: Why a Bear Market Can Be a Tax-Free Opportunity
A bear market hurts. Watching a $1.5 million IRA balance fall to $1.2 million in a few weeks is the kind of experience most retirees […]
4 DIY Roth Conversion Mistakes That Cost IRA Millionaires
For most retirees, the number on the IRA statement and the number their family actually keeps start out identical. By the time both spouses have […]
What Is an Annuity? A Fee-Only Fiduciary’s Skeptical Buyer’s Guide
An annuity is a financial product issued by an insurance company that converts a lump sum or series of payments into a guaranteed income stream, […]
Estate Tax Exemption 2026: The New $15 Million Permanent Exemption
The estate tax exemption changed dramatically in 2025, in the opposite direction from what most advisors had anticipated. Rather than reverting to approximately $7 million […]
Step-Up in Basis: How It Works and Why It Matters for Your Estate
The step-up in basis is one of the most valuable yet least understood estate planning tools in the federal tax code. For families with significant […]
What Is a Fee-Only Financial Advisor?
The way a financial advisor is compensated has a direct effect on the advice they give. When an advisor earns commissions on the products they […]
How a Charitable Remainder Trust Can Replace the Stretch IRA After SECURE
For decades, an IRA millionaire could leave a large traditional IRA to adult children and reasonably expect that inheritance to provide income across the rest […]
Deferred Compensation Plan: How It Works and Whether It’s Right for You
For high-income executives and highly compensated employees, a non-qualified deferred compensation plan can be an attractive tool for reducing current-year taxes by deferring income to […]
What Is a Fiduciary Financial Advisor and Why Does It Matter?
When you hire someone to help manage your retirement savings or navigate tax strategy, the standard they are held to can make an enormous difference […]