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Estate Tax Exemption 2026: The New $15 Million Permanent Exemption
The 2026 estate tax exemption is $15 million per person ($30 million per couple), made permanent by OBBBA. See the numbers, the 40% rate, gifting, and who owes.
Step-Up in Basis: How It Works and Why It Matters for Your Estate
Step-up in basis strategies can erase capital gains tax on inherited assets. See which assets qualify, how married couples double the step-up, and 2026 rules.
What Is a Fee-Only Financial Advisor?
A fee-only financial advisor is paid only by you, with no commissions. Compare 2026 costs, fee-only vs fee-based, fiduciary status, and how to vet one.
How a Charitable Remainder Trust Can Replace the Stretch IRA After SECURE
Can a CRT as IRA beneficiary rebuild the stretch the SECURE Act killed? See the mechanism, 2026 tax math, the 10% test, four-tier taxation, and when it works.
Deferred Compensation Plan: How It Works and Whether It’s Right for You
How a deferred compensation plan works in 2026: NQDC vs 401(k), election timing, ordinary-income and FICA taxes, employer-insolvency risk, and Section 409A rules.
What Is a Fiduciary Financial Advisor and Why Does It Matter?
A fiduciary standard advisor must act in your best interest at all times, unlike Reg BI or suitability. See which advisors qualify and how to verify yours.
Why Waiting on Your Roth Conversion Costs You Real Money
Why waiting on your Roth conversion costs you real money: the dollar cost of delay, the low-tax window before RMDs at age 73, IRMAA, and 2026 tax figures.
Why Your CPA Disagrees With Strategic Roth Conversions
Why your CPA disagrees with strategic Roth conversions: tax prep vs lifetime planning, the bracket myth, the widow’s trap, and a $1.2M case study.
Three Critical Things to Know About Roth Conversions at 75
Is a Roth conversion at age 75 worth it? See why RMDs and the SECURE Act 10-year rule shift the benefit to your heirs, and when to convert.
Inherited IRA 10-Year Rule: The Three Versions Explained
The inherited IRA 10-year rule has three versions since the SECURE Act. See when annual RMDs apply, who is exempt, penalties, and the 2024 rule change.