Sarah Swan, Certified Financial Planner and Wealth Manager at Howe & Rusling, covers some very common issues we often see when it comes to clients’ investments or finances generally.
In today’s episode, we are going to take a deep dive into one of the best tax planning strategies out there: Roth conversions… and why this year, through 2025, is an opportune time to consider implementing them. Also, we are going to describe the ideal investor profile who would be best positioned to implement a Roth conversion strategy.
It’s been a tough year to be an investor in the markets, and it’s been a particularly weird one to be a bond investor. Sure, people are used to seeing the stock market behave erratically, but bonds? Those are those stable, boring things for risk-averse people, right?
There are two main methods that can be used to make charitable donations, and each offers its own unique tax benefit. In this video, we’ll explore the differences between utilizing a donor-advised fund and making a qualified charitable distribution.
If you haven’t heard yet, the IRS is planning on hiring thousands of new enforcement agents over the next few years. This is causing many of us to get nervous; as we all know that there’s nothing worse than getting a letter from the IRS. And then the next worst thing is finding out that the IRS has selected you or your business for an audit.
It’s common knowledge that Roth assets are a powerful savings tool that provide tax-free income in retirement. But a lot of people don’t understand the difference between Roth IRAs and Roth 401k and 403b plans. If you have a large Roth 401k or Roth 403b balance and you don’t have a Roth IRA yet, you’ll want to listen to the rest of this video.
In today’s episode we are going to be discussing a few key items that might prove useful when preparing to sell a small business. When developing an exit strategy, the first recommendation is always to start early. It takes time, energy, and capital to create the right exit plan for your business. Having “enough room to run” will certainly help you in this endeavor.
The area which business owners generally fixate on, for good reason, is the “sales price”. So, what can a business owner do to finesse a more desirable selling price? Let’s talk about a few simple strategies to employ.
If you are using a debit card, you’re spending money and not getting anything back in return. It’s like paying with a check. When you use a credit card though, every time you pay for shopping online, eating at a restaurant, groceries, or other day-to-day expenses, you’re likely earning valuable points and miles that can be used in a variety of ways!
You’ve probably read an article on the trendy “Things I Wish I’d Learned in High School.” Popular choices include basic finance like budgeting, how to use credit, saving and investing. While these topics may very well be valuable if taught in high school, you’ll give your kids a stronger foundation if you start them much younger. Follow these tips and they’ll be the ones teaching their high school peers all about the Benjamins.
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