Tuesday, 07 January 2020
On Friday, December 20, the SECURE Act (officially titled the Setting Every Community Up for Retirement Enhancement Act) was signed into law. We will review some of the key highlights of the new law.
Wednesday, 20 November 2019 Dennis Doble Here are 10 things to consider as you weigh potential tax moves between now and the end of the year.
Effective planning requires that you have a good understanding of your current tax situation, as well as a reasonable estimate of how your circumstances might change next year. There's a real opportunity for tax savings if you'll be paying taxes at a lower rate in one year than in the other. However, the window for most tax-saving moves closes on December 31, so don't procrastinate.
Consider opportunities to defer income to 2020, particularly if you think you may be in a lower tax bracket then. For example, you may be able to defer a year-end bonus or delay the collection of business debts, rents, and payments for services. Doing so may enable you to postpone payment of tax on the income until next year.
Monday, 21 October 2019 Dennis Doble
Established by Congress in 2006, National Retirement Security Week is designed to elevate public knowledge about retirement savings and to encourage employees to save and participate in their employer-sponsored retirement plans. What better time to review the benefits of your retirement plan and determine if you're making the most of them?
Tuesday, 08 October 2019 Dennis Doble
Like most people, you probably have a vivid, exciting picture of what your ideal retirement will look like. Maybe it’s spending time with family at a beach house, crossing off the book titles that have accumulated on your to-read list, or finally being able to volunteer enough of your time to make a difference for your favorite charity. But there’s no doubt that the journey to retirement is long and winding—and, as with any journey, you’ll encounter challenges along the way before arriving at your desired destination. Adopting good financial habits is a must for plotting a successful retirement journey. Let’s explore five positive ways to get—and stay—on the right track.
Monday, 09 September 2019 Dennis Doble
Did you know there are ways to take advantage of Roth IRAs even if you exceed the annual income threshold? As of 2019, an income of $137,000 (or $203,000 if filing jointly) makes an individual or married couple ineligible for Roth IRA contributions.[i] A legal tax-loophole exists that you may not have heard of using an IRA conversion strategy sometimes called a “back-door Roth”. In this article, we will review how to utilize this savings technique to help build up your retirement savings for tax-free withdrawals from Roth IRAs.
Tuesday, 13 August 2019
When you own your own business, it can often seem like you are constantly in high gear, working long hours and at a taxing pace. While all of that effort can help you get ahead of the competition it can also disrupt the balance of your work and your life, leading to burnout, and in effect taking yourself out of the running completely.
However, this does not mean it is impossible to achieve or does not exist. In this article we will explore six strategies, gathered from the experience of small business owners and entrepreneurs, that can help you along your business journey to avoid burnout, and find the work-balance solutions that work for you and your business.
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