Tax Planning
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Tax Filing Requirements for Non-Deductible IRA Contributions
When contributing to an Individual Retirement Account (IRA), not all contributions are tax-deductible. If you have made non-deductible IRA contributions, it’s essential to understand how to...
The tax loss harvesting difference: the value of losses
Updated September 10, 2026. The mechanics of tax-loss harvesting have not changed since this was first published; the worked example below still runs 2022–2024 so the...
5 tax loss harvesting ideas before year-end
Tax-loss harvesting is the practice of selling an investment at a loss in order to reduce your taxable income or to offset current (or future) gains....
Accessing Liquidity Without Generating Capital Gains – Pledged Asset Accounts
In many parts of the country, the real estate market is red hot. People are moving from large urban areas to areas that were once considered...
Tax Equivalent Yield in Municipal Bonds
Municipal bonds are bonds issued by municipal entities such as cities, states, library districts, school districts, etc. For decades, most municipal bond interest has been federally...
Small business retirement plans: SEP IRA vs solo 401K
As the end of the tax year approaches, we've had an increase in the number of business owners inquiring about small business retirement plans. Let's take...
No RMD This Year? How About a Partial Roth Conversion?
As a part of the CARES Act, Required Minimum Distributions (RMDs) are not required for any IRA account types in 2020. This will reduce the taxable...
HSA (Health Savings Accounts) Tax Advantages
Health Savings Accounts (HSAs) are not new, but there seem to be a few misconceptions about the unique characteristics of HSAs that prevent people from taking...
IRA Beneficiary Mistakes People Make
One of the most overlooked items when someone opens an IRA, Roth IRA, Rollover IRA or other retirement account is forgetting to name beneficiaries. Often, beneficiary...
Federally tax exempt US Treasury bonds: pre-refunded municipal bonds
When a municipality issues bonds, it is borrowing money at a certain interest rate for a certain period of time. This is not unlike a homeowner...