Nerd's Eye View

MARCH 28, 2025

Also in industry news this week: A recent survey indicates that younger "DIY" investors are more likely to be interested in working with a human advisor than their older counterparts, suggesting an opportunity for advisors to tap into this demographic (perhaps by setting minimum planning fees that ensure these clients can be served profitably today (..)

Financial Planner

Darrow Wealth Management

APRIL 21, 2025

While a Roth conversion may never make sense for some individuals, for others, early retirement years may be the best time to convert pre-tax accounts to tax-free Roth. Converting a traditional IRA to a Roth doesnt make sense unless you have cash to pay taxes without dipping into your retirement savings.

Retirement

Yardley Wealth Management

FEBRUARY 18, 2025

Traditional Investment Strategies The Role of Income Tiers and Priority Levels Case Studies Key Considerations Conclusion Introduction Waterfall Wealth Management is a financial strategy designed for high-net-worth individuals seeking a structured, prioritized approach to wealth distribution.

Wealth Management

Zoe Financial

JUNE 20, 2025

This guide consolidates what we’ve learned to help you refine, update, or pressure-test your current retirement and estate strategy with confidence. At Zoe Financial, we’ve seen firsthand how proactive planning with a fiduciary advisor helps individuals protect and grow their wealth across generations.

Retirement Planning

Carson Wealth

MAY 29, 2025

Imagine yourself on your last ride home from work on the day you retire. It probably depends on whether you have a strong plan in place for income during your retirement years. Having a retirement planning checklist can help make this final commute the time of reflection and joy it should be. Theres also no steady paycheck.

Retirement Planning

Wealth Management

JULY 30, 2025

Once the fund reaches its harvest stage and starts producing distributions, however, the value of the carry increases quickly. The resulting distribution estimates are then discounted to present value and discounted for restrictions on control and marketability. At that point, the planning window begins to close.

Estate Planning

MainStreet Financial Planning

NOVEMBER 8, 2024

Maximize Your Retirement Contributions: Enhancing your retirement savings not only secures your future but also offers immediate tax benefits. Establishing a donor-advised fund allows you to make a large charitable contribution in one year, receive the tax deduction, and distribute funds to charities over time.

Taxes

WiserAdvisor

JULY 2, 2025

Healthcare costs are rising at a pace that demands attention, particularly for individuals nearing retirement. Without proper planning, healthcare expenses can quickly consume a significant portion of retirement savings. They can build a more resilient financial strategy for retirement. increase from the previous year.

Healthcare

Harness Wealth

JULY 31, 2025

The top 37% rate now starts at $626,350 for individuals and $751,600 for joint filers—an important threshold for year-end income planning , especially for clients managing capital gains, business distributions, or deferred compensation packages. Meanwhile, updates to the Alternative Minimum Tax (AMT) also come into play.

Taxes

The Big Picture

MARCH 10, 2025

” A : The standard answer is Accumulation, Maintenance Distribution , but let’s dig deeper. Who we are financially is very different than who we become in middle age or after retirement. Do our misconceptions about what money represents evolve as we age?

Investing

Harness Wealth

JANUARY 9, 2025

Backdoor strategies are retirement contribution methods that allow individuals to bypass income limits and contribute to tax-advantaged retirement accounts. Backdoor Roth 401(k) $23,000 ($30,500 if 50+) Allows conversion of 401(k) funds to Roth, increasing tax diversification Required Minimum Distributions apply.

Taxes

Wealth Management

JUNE 20, 2025

There is something to be said for owning your own distribution channel,” he said. What works really well for us and going back to growth, referrals are too hard, all the steps in a referral, when you give them [advisors] a branded mobile app of their own that they can show, the response is often: ‘oh I want that,’” said Fields.

Wealth Management

Harness Wealth

JANUARY 29, 2025

These contributions not only provide immediate tax relief but help secure longer-term financial stability during retirement. Individual Retirement Accounts (IRAs): Contribute up to $7,000 for 2024 ($8,000 if aged 50+). Contributions made by April 15, 2025, can be applied to your 2024 return, reducing taxable income.

Taxes

Harness Wealth

NOVEMBER 12, 2024

Fully Utilize Tax-Advantaged Retirement and Savings Accounts There are multiple steps you can take using retirement accounts to reduce your taxable income. Contribute to Tax-Advantaged Retirement Accounts Do your best to fully contribute to one or multiple tax-advantaged retirement accounts, such as 401(k), 403(b), or IRAs.

Tax Planning

Wealth Management

JUNE 20, 2025

Each discussed how providing a more holistic approach to distribution-phase planning in their practices can amp up organic growth for advisory firms. I cannot say enough about how well received this last session was by advisors, several of whom came up later to say thanks.

Wealth Management

Zoe Financial

JUNE 18, 2025

This can come from dividends, interest, rental income, and distributions from brokerage or retirement accounts. For example, if funds are invested in a brokerage or retirement account, they may generate dividends or interest, which contribute to total earnings. Save Saving involves setting aside money for future needs or goals.

Insurance

Getting Your Financial Ducks In A Row

JANUARY 20, 2025

In case you don’t know what a 72t distribution is, this is shorthand for the Internal Revenue Code Section 72 part t (or IRC §72(t) for short), and the most popular provision of this code section is known as a Series of Substantially Equal Periodic Payments – SOSEPP is the acronym. Enough about the code section already.

Distribution

WiserAdvisor

JUNE 13, 2025

It plays a crucial role in helping people achieve financial stability, prepare for retirement, and leave a lasting legacy for their families. Here’s what to focus on: List your assets: Include properties, investments, savings, retirement accounts, insurance, and personal valuables. Wealth management isn’t only for the ultra-rich.

Estate Planning

Harness Wealth

APRIL 17, 2025

Unlike their more rigid cousins, private foundations, DAFs operate without mandatory distribution requirements ; however, most sponsoring organizations encourage regular grant activity to maintain the charitable spirit of these vehicles.

Taxes

Indigo Marketing Agency

JUNE 18, 2025

Consider topics like: “The Top 5 Retirement Mistakes I See Wealthy Professionals Make” “How Market Volatility Actually Affects Your Long-Term Goals” These videos position you as the expert while providing genuine value to viewers. Personal storytelling videos create powerful emotional connections.

Financial Advisor

Yardley Wealth Management

FEBRUARY 4, 2025

A: Key tax deductions include maximizing retirement contributions, utilizing HSA accounts, strategic charitable giving through donor-advised funds, and property-related deductions like mortgage interest and property taxes. Tax Strategies for High-Income Earners in 2025.

Taxes

Getting Your Financial Ducks In A Row

FEBRUARY 24, 2025

Photo credit: jb Employers have been giving us lots of opportunities to make this decision of late: when leaving an employer, whether voluntarily or otherwise, we have the opportunity to rollover the qualified retirement plan (QRP) such as a 401(k) from the former employer to either an IRA or a new employer’s QRP.

Planning

Workable Wealth

NOVEMBER 25, 2020

When you actively contribute to your workplace retirement account, invest in a separate portfolio , and funnel money into your savings account, it can be difficult to open – let alone manage – another account. IRAs are a great addition to your retirement savings journey. Are you sacrificing your retirement savings to fund the 529?

Taxes

Wealth Management

JULY 31, 2025

Related: Zephyrs Adjusted for Risk: Growth Strategies at Gabelli Funds Earlier this year, SMArtX partnered with BondBloxx to construct and distribute multi-asset model portfolios to financial advisors. Raymond James Practice Mercer Advisors Lands $1.2B The deal gave the company access to BondBloxx’s fixed-income ETFs.

Estate Planning

Wealth Management

JULY 30, 2025

Earlier this year, the firms launched two funds for wealthy clients investing in bonds and private credit, and they could eventually market the slate of strategies to 401(k)s and other retirement funds sitting on more than $12 trillion. Blackstone Inc., and State Street Corp. have started products this year. BlackRock Inc.,

Retail

Getting Your Financial Ducks In A Row

MARCH 31, 2025

Photo credit: jb You’ve likely heard the conventional wisdom – “when you leave your job, you should roll over your retirement account”. Among the reasons that it is important to rollover your retirement account when you leave employment is that you want to have control over your money. Why rollover? This can problematic , of course.

Accounting

Nerd's Eye View

JANUARY 29, 2025

When thoughtfully drafted, it aligns the interests of the firm's owners, sets clear expectations for operations, and establishes how profits will be distributed. The next step is establishing a profit distribution philosophy. As a foundational document, the operating agreement is essential for RIA firms.

Distribution

Nerd's Eye View

JANUARY 29, 2025

When thoughtfully drafted, it aligns the interests of the firm's owners, sets clear expectations for operations, and establishes how profits will be distributed. The next step is establishing a profit distribution philosophy. As a foundational document, the operating agreement is essential for RIA firms.

Distribution

Harness Wealth

APRIL 16, 2025

Roth IRA conversions present a significant challenge for retirement planners: pay taxes now or later? Moving funds from traditional IRAs to Roth accounts triggers immediate taxation but promises tax-free withdrawals in retirement. The absence of required minimum distributions during the owner’s lifetime.

Taxes

WiserAdvisor

JUNE 27, 2025

Let’s be honest, retirement isn’t what it used to be. The traditional blueprint of working until 65, collecting a pension, and retiring feels outdated, especially for mid-level professionals who’ve started thinking early about what their ideal retirement should look like. What’s the earliest you can retire?

Retirement

The Big Picture

DECEMBER 4, 2024

And you’re going to see a big sea change in the next three to five years of asset managers and RIAs optimizing taxable tax, and then non-taxable retirement accounts for various type of investments. with no capital gains, , distributions. And then at the end of it, you get distributed those stocks.

Taxes

Carson Wealth

MAY 15, 2025

Act have affected millions of Americans inheriting or leaving behind a retirement account. While required minimum distributions (RMDs) for the account owner are delayed, there is now a 10-year window for many people who inherit these accounts to take their distributions. The SECURE Act and SECURE 2.0

Retirement Planning

Harness Wealth

JULY 14, 2025

With a larger carried interest percentage, a smaller share of the gains is distributed to investors. If the total positive UBTI across all applicable investments in a retirement account equals $1,000 or more, the tax-exempt entity is required to file Form 990-T and pay tax on the UBTI.

Taxes

A Wealth of Common Sense

MAY 29, 2025

We also touched on questions from our audience about holding stocks in your emergency fund, the best way to pay for home renovations, how teachers should factor pensions into their retirement plans and some of my favorite fiction book series.

Retirement Planning

Harness Wealth

APRIL 30, 2025

Employee Stock Ownership Plans (ESOPs) An ESOP allows owners to gradually sell their shares to employees through a qualified retirement plan. Buyers, however, may inherit more risk, which can affect the sale price or deal structure. This approach can create win-win outcomes for both you and your staff.

Taxes

Darrow Wealth Management

NOVEMBER 11, 2024

The deductibility phase-out is based on filing status, income (MAGI), and whether or not the individual(s) are eligible to participate in a retirement plan at work. When you make a distribution, the original nondeductible IRA contribution amount isn’t included in your taxable income, but the earnings and growth from it is.

Taxes

Harness Wealth

APRIL 28, 2025

Partnerships utilize Form 1065 Schedule K-1 S corporations issue Form 1120S Schedule K-1 Trusts distribute Form 1041 Schedule K-1, each tailored to reflect the unique characteristics of these business structures. Many funds, partnerships, and complex entities distribute K-1s perilously close to, or even after, individual filing deadlines.

Tax Planning