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Spousal IRAs allow married couples in which one spouse works and one does not to make IRA contributions to the account of the non-working spouse. Typically, in order to contribute to an IRA, you need to have earned income. Spousal contributions create a way around...

As part of a year-end spending bill that was passed by the House and Senate and signed into law by the President on 12/20/19, the Setting Every Community Up for Retirement Enhancement (SECURE) Act made some dramatic changes to retirement planning. Although we have...

It’s often said that bull markets “climb a wall of worry.” This phrase refers to a market’s ability to continue to grind higher despite economic or geopolitical issues that would intuitively tamp it down. The S&P 500’s 31.5% total return in 2019 is a poster...

When beginning a planning engagement, the first thing we evaluate is the adequacy of the client’s emergency fund. The reason is simple- without an adequate emergency fund, you are taking on more financial risk than necessary. Furthermore, at some point, everyone needs to use their...

The taxation of financial transactions is an often-misunderstood topic. The root cause of this lack of understanding is in large part due to the complexity of the tax code, the different types of transactions that occur in investment accounts, and the different types of investment...

Some retirement plan contribution limits are increasing in 2020. Periodically the Treasury Department raises contribution limits to keep pace with inflation. This is good news for those that like to max out their savings for retirement. For 2020, this includes almost all types of retirement...