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Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

Life Planning is an important part of the wealth management process. It’s not enough to have money; you need to know what the money is for.

David Marotta discusses 2010 in review and the outlook for 2011.

You are a good candidate for a Roth conversion in 2010 if you expect your tax bill to be higher in the future.

Few of us are disciplined enough to accomplish all our resolutions without help.

If you’re not an economist, you may vastly underestimate the negative impact of taxes on the U.S. economy.

Employers and employees alike are feeling the squeeze of swelling health care costs. According to the Kaiser Family Foundation, health insurance premiums have risen at an average rate of 12 percent per year since 2000. Unable to keep up with rising premiums, employers are forced to pass on costs to employees, to trim benefits, or worse yet, to dump the coverage all together.

Bequeathing a Roth is much the same as setting up a lifetime tax-free stream of income for your heirs.

There are years and situations when a Roth conversion is not appropriate, but they are often surrounded by years when it should be considered.

David Marotta discusses how the tax burden causes an incentive to earn less money.

Misers may sleep well tonight, but they won’t eat well in 20 years.

Most families have not planned for their retirement. They may save toward their retirement, but without a plan their saving is random and haphazard. Retirement decisions today can only be made in the context of accurate math projections that span … Read More

You are guarding against deadweight loss when the recipient can exchange the gift or return it for cash.

In 1985, an MIT professor won the Nobel Prize for a simple technique that squirrels have known intuitively from birth — you have to “squirrel” away some nuts during times of plenty so you can survive during times of scarcity.

No one approaches financial planning with the goal of paying more taxes. Tax management, like all financial planning, is based on the premise that small changes made over time can achieve big goals.