Blog

What is a Backdoor Roth IRA?

Roth IRAs are a powerful way to save for retirement.  The beauty of a Roth IRA is that all growth and withdrawals from the account are tax-free and having a tax-free income source in retirement can be extremely beneficial.  It…
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First Time Home Buyer: How to Make an Offer?

Buying a house can be a stressful endeavor for anyone.   But, for first time home buyers, the thought of making an offer on a house for hundreds of thousands of dollars in a very competitive home buying environment, where even…
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Getting Started on Medicare

All Americans who are age 65 and over are eligible for Medicare.  Medicare can be overwhelming for those approaching age 65 and faced with having to enroll in this government managed health insurance program.  The purpose of this blog is…
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New Tax Act

As promised in our recent Harvester newsletter that we sent on December 7, 2017, we want to update you on the Tax Cuts and Jobs Act (the “Act”).  The Act made it through the conference committee and was passed by…
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Tax Reform 2018 – The Tax Cuts and Jobs Act

Tax planning at the present time is difficult given the uncertainty over the Tax Cuts and Jobs Act (“Act”).  As of the date of this newsletter, both the House and Senate have passed separate versions of the Act that contain…
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Demystifying Medicare

All Americans who are age 65 and over are eligible for Medicare.  Medicare can be overwhelming for those approaching age 65 and faced with having to enroll in this government managed health insurance program.  The purpose of this blog is…
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Keys to Hiring a Financial Professional

In today’s world, we are overwhelmed with a myriad of titles for financial professionals such as financial advisor, financial planner, wealth manager, investment advisor, estate planner, tax planner and accountant.  This cornucopia of monikers can make it hard to navigate…
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Preparing Financially to Start a Family

So you would like to start a family, but in the back of your mind you are uncertain and a bit overwhelmed by the financial obligations you may be shouldering for the next 18+ years of your life. These are…
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Should I Have a Living Trust?

Much has been written about the use of a living trust as a means of reducing the cost of passing your assets to your heirs at death.  For most people, the primary motivation for creating a living trust is to…
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Steps to Reduce the Impact of the Equifax Breach

As many of you know, Equifax recently announced a massive breach of its database that comprised information of 143 million Americans.  Many people are now wondering what to do to protect themselves and their identity.  Identity theft has become a…
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Market Updates

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