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Managing Tax Strategy During Retirement: Navigating the "Tax Holiday"
Many individuals experience a period of lower tax liability during retirement, particularly before the onset of Required Minimum...

Ron Taraborrelli
Apr 23, 20253 min read


Getting your money into a Roth: Roth IRA Conversions, Backdoor Roth, and Mega Back Door Roth.
Why do so many people want to get money into a Roth IRA? The primary appeal of a Roth IRA lies in its provision for tax-free qualified...

Ron Taraborrelli
Apr 16, 20255 min read


Managing your Portfolio in Volatile Markets
Stock Mark Volatility Market volatility invariably elicits a desire for portfolio adjustments. However, empirical evidence suggests that...

Ron Taraborrelli
Mar 19, 20253 min read


A History of Cost and Value of Advice
I started in the financial services industry in 1996 and have watched it change significantly due to new technologies, products, and...

Ron Taraborrelli
Mar 9, 20255 min read


Navigating the Paper Trail: IRS Record Retention for Small Businesses and Individuals
How long to keep tax records

Ron Taraborrelli
Mar 4, 20253 min read


Building a Portfolio for Income
Building an Investment Portfolio for Income in 2025 Creating an investment portfolio focused on generating income can be a smart strategy...

Ron Taraborrelli
Feb 27, 20253 min read


Unlock Your Philanthropic Power: The Benefits of a Donor-Advised Fund
Are you eager to enhance the impact of your charitable contributions? A donor-advised fund (DAF) could be the ideal solution to elevate...

Ron Taraborrelli
Feb 14, 20253 min read


Fixed-rate deferred annuities
An article in the Wall Street Journal titled "They Look Like CDs, but They’re Annuities-and Sales Are Booming” by Anne Tergensen, December 19, 2024, highlights how these fixed-rate deferred annuities work. Given their popularity, I wanted to write about some of the things you may want to consider before making your purchase. For those who do not know, a fixed-rate deferred annuity (FRDA) is issued by an insurance company and has a fixed rate and fixed maturity period. Depe

Ron Taraborrelli
Feb 6, 20253 min read


Traditional or Roth IRA
Roth VS Traditional IRA which Road to Take Individuals have many options when saving for retirement. What type of account to contribute...

Ron Taraborrelli
Jan 29, 20253 min read


Save Early: The Power of Compound Interest
When I was conducting financial education seminars for employers offering 403b plans to their employees, one slide always caught the...

Ron Taraborrelli
Jan 14, 20253 min read


Income-Related Monthly Adjustment Amount (IRMAA)
What is the Income-Related Monthly Adjustment Amount (IRMAA), and how does it work? It is an income-based table used to adjust Medicare Part B and Part D prescription drug coverage premiums. The higher a beneficiary’s range of modified adjusted gross income (MAGI), the higher your premium or IRMAA. There are different scales depending on your filing status. There is a 2-year look back at income to determine your IRMAA. This is sometimes confusing when looking at the scale. Yo

Ron Taraborrelli
Dec 5, 20241 min read




Tax Loss Harvesting Strategy (TLH)
Tax loss harvesting explained

Ron Taraborrelli
Nov 18, 20243 min read


Qualified Charitable Distributions
Qualified Charitable Distributions are a good way to lower taxes by making your charitable contributions using your traditional IRA. By maki

Ron Taraborrelli
Nov 12, 20242 min read


Protecting Your Wallet: The 2026 IRS “Dirty Dozen” Tax Scams You Need to Know
Tax season is stressful enough without the looming threat of fraudsters looking to hijack your refund. On March 5, 2026—recognized as National Slam the Scam Day—the IRS released its annual “Dirty Dozen” list.

Ron Taraborrelli
Mar 11, 20204 min read
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