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Challenges of Long-Term Care

5 Year end tax moves to consider

New Trump Account The IRS and Treasury Department recently released Notice 2025-68 , detailing the upcoming regulations for Trump Accounts , a new tax-advantaged savings vehicle created by the One, Big, Beautiful Bill Act (OBBBA) . Designed as specialized Traditional IRAs for individuals under the age of 18, these accounts feature unique contribution rules, investment mandates, and government incentives intended to build long-term wealth for the next generation. Below is a su

Index 1 Month % Year To date % One Year % S&P 500 Total Return 0.25 17.81 15.00 NASDAQ Composite** (1.94) 21.00 21.58 S&P Developed Ex-US BMI* 0.01 29.84 26.24 Dow Jones Commodity (DJCI) 1.7 14.24 16.85 S&P US Aggregate Bond* 0.66 7.32 6.42 Concerns over the government shutdown, technology sector valuations, low consumer confidence, and a shift in consensus toward a December rate cut dominated headlines in November, driving volatility in the stock market. Investors rotated in

It is Medicare open enrollment, and that brings out the fraudsters. Medicare fraud and abuse are serious issues that impact the healthcare system and beneficiaries. Proactive vigilance is essential for protecting your benefits and personal information. Protect Your Information and Claims To help spot and prevent Medicare fraud and abuse, adopt the following practices: Secure Your Data: Always protect your Medicare card, Medicare Number, and other personal identifiers. Never

2026 Cost of Living Adjustments for Retirement Savings

One Big Beautiful Bill (OBBB) On July 4, 2025, the "One Big Beautiful Bill Act" (OBBB) [Pub. L. No. 119-21] was signed into law, finalizing a comprehensive set of US tax cuts and changes. These changes affect a wide range of taxpayers, from individuals to large corporations. The following is a breakdown of some of the income tax modifications impacting individuals and noncorporate businesses under the new law. Key Changes for Individual Taxpayers The OBBB introduces several p

Index 1 Month % Year To date % One Year % S&P 500 Total Return 2.34 22.86 30.07 NASDAQ Composite** 5.47 17.93 27.37 S&P Developed Ex-US BMI* 2.35 29.92 26.45 Dow Jones Commodity (DJCI) 3.31 12.33 14.96 S&P US Aggregate Bond* 0.66 6.66 6.13 U.S. equities had another good month with the S&P 50

Great news for taxpayers in high-tax states! A new tax law has temporarily raised the federal deduction cap for State and Local Taxes (SALT) from $10,000 to $40,000 for tax year 2025. This change creates a significant tax-saving opportunity for many, particularly those in blue states with higher income and property taxes. This expanded deduction is an itemized deduction, meaning it's only valuable if your total itemized deductions (including mortgage interest, charitable do

In recent months, a compelling parallel has emerged between the current equity market environment and the late 1990s.

Optimizing your Social Security Benefits

Index 1 Month % Year To date % One Year % S&P 500 Total Return 3.65 14.83 17.60 NASDAQ Composite* 2.06 17.93 27.37 S&P Developed Ex-US...

Determining how much you need to save for retirement is a complex question with no single answer. Your ideal retirement savings depend on various factors unique to your situation.

The 4% withdrawal rule explained

It was another strong month for stocks, both U.S. and foreign, as well as bonds. They posted solid gains in August.

If you're feeling overwhelmed by debt, a solid strategy can help you regain control. There are several effective methods you can use to pay off what you owe.

You've probably spent more time planning a two-week vacation than you have for your retirement, even though retirement could last 30 years or more. Planning can feel overwhelming, but these five steps will help you prepare for a successful transition.

This article provides a high-level overview of Net Unrealized Appreciation (NUA) and its potential benefits. For a more in-depth analysis, I recommend reviewing Michael Kitces's comprehensive article on the topic. What is NUA? NUA is a potentially valuable tax planning opportunity that arises when you hold individual company stock within your 401(k) plan . When you contribute to your 401(k) and purchase company stock, the initial amount you invest is known as your cost basis