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#BestOf2022 How to Calculate Taxable Social Security
on January 13, 2023
with No Comments
If you receive Social Security benefits, the portion of those benefits which will be taxable depends on your income. The taxable portion can be anywhere from 0% to a maximum of 85% of your benefits.
#TBT Recouping Losses Is Not As Hard As You Think
on January 12, 2023
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This 2016 post has been our most popular search result recently for good reason. After the 2020 COVID bear market, this article is a comforting bit of math.
Q&A: Are IRMAAs for Life?
on January 10, 2023
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A reader asks: When you are issued an IRMAA, does the IRMAA stay for one year only or does it stay that way for life?
#BestOf2022 An Updated RMD Calculator
on January 5, 2023
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There are different tables and formulas used to calculate your RMD divisor based on your particular circumstances. This is a calculator for the three most common.
#TBT Maintain Financial Balance When in Business
on January 5, 2023
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This 2004 post has ten timeless rules for small businesses to maintain their financial balance.
How Long Should I Plan On Living?
on January 3, 2023
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Which is worse: Being destitute while still alive or dying happy and provided for with a little extra?
Account Funding Priorities for 2023
on December 30, 2022
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A savings waterfall is a tool to help investors prioritize savings goals and allocate funds appropriately.
#TBT A Year of Financially Healthy Habits
on December 29, 2022
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Want to do the new year well? Here is a month-by-month guide for setting financially healthy habits.
Q&A: Can You Do a One-Time Review of My Plan?
on December 23, 2022
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We do our best work when we are a lifelong financial advisor to the client.
Steps to Reduce IRMAA Medicare Premiums
on December 20, 2022
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Sophisticated tax planning can be effective at any age. However, with great complexity comes great opportunity.
Nontaxable Social Security Thresholds Are Not Inflation-Adjusted
on December 16, 2022
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Social Security has a number of flaws, to which these static tax brackets can be added.
Pension Lump Sums Are Affected By Rising Interest Rates
on December 13, 2022
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If you have received a projection from your company which included a lump sum offer that you were interested in taking, you may want to analyze it again.
Q&A: Recurring Charitable Grant from an Insufficient Donor Advised Fund?
on December 9, 2022
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What does Schwab do when your Donor Advised Fund has insufficient funds for a recurring grant?
#TBT Don’t Eat Yourself Out of Financial Security
on December 8, 2022
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The worst financial problems stem from trying to live a champagne and caviar lifestyle on a beer and chips budget.
How to Avoid an IRMAA Medicare Premium Surcharge 2023
on December 6, 2022
with No Comments
To avoid getting issued an IRMAA, you can proactively tell the SSA of any changes your income has seen in the past two years using a “Medicare Income-Related Monthly Adjustment Amount – Life-Changing Event” form.