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What the Tax Bill Reform Means to You

By Justin Fundalinski, MBA | January 20, 2018

In the most overtly sarcastic manner, I’m sure that you are all clamoring to read the new 1097 page Tax Cuts and Jobs Act. Lucky for you I have been actively reading through the portions of it that will affect most people. Below are some bullet points you can peruse through, but if you really Read more…


Can an HSA be a Retirement Account?

By Justin Fundalinski, MBA | December 22, 2017

Health Savings Accounts (HSAs) are very interesting from a tax perspective.  Compared to well-known retirement account types (for example – 401k, IRA, Roth IRA, etc.)  HSAs are the only accounts that are tax deductible in the year you contribute to them, that have tax free growth as you defer them, and are tax free when Read more…

401(k) loan

Defaulting on a 401(k) Loan

By Justin Fundalinski, MBA | November 20, 2017

Considering many people’s 401(k)s are usually one of their largest retirement savings assets and many 401(k) providers offer the ability to borrow money, it can be very enticing to take out a loan from your 401(k) to help fund your next big purchase. 401(k) loans are quick, easy,  and do not need a credit check. Read more…


Colorado’s Pension and Annuity Subtraction

By Justin Fundalinski, MBA | October 23, 2017

Are you receiving Social Security income, taking withdrawals from your IRA’s, or receiving a pension from a past employer?  Well, as a Colorado resident you could have some tax benefits on this income. Under Colorado tax code you may be able avoid including some (or all) of this income as taxable income on your Colorado Read more…


Joint With Rights of Survivorship or Joint Tennants in Common

By Justin Fundalinski, MBA | September 21, 2017

In general , there are two ways to own property with somebody else and how you title it makes all the difference. Maybe over the years you have seen the acronyms JTWROS and TIC on an account statement, and maybe you even know what they stand for. But, do you know what happens to property Read more…

rental properties

A Tax Perspective on Rental Properties

By Justin Fundalinski, MBA | July 20, 2017

With the real estate market showing strong growth year over year in Northern Colorado we have seen many clients purchasing rental properties to hopefully benefit from higher rents and rapid capital appreciation. This month’s article is not going to dig into the viability of such investing; rather it will overlay a perspective on how rental Read more…

retirement risks

Don’t Overlook These Retirement Risks

By Justin Fundalinski, MBA | June 20, 2017

I was perusing through the introduction of Wade Pfau’s (a well published, well researched, retirement planning guru) book on Reverse Mortgages and I was just in awe as to how precisely his principals matched up to our office’s in regards to retirement planning. That said, he concisely addressed the retirement risks that that we at Read more…

health insurance

Using a HELOC to Lower Your Health Insurance Premiums

By Justin Fundalinski, MBA | May 24, 2017

With the House passing a bill to replace the Affordable Care Act (better known as ObamaCare), an excellent cost savings strategy for retirees under the age of 65 could be lost. However, there is a long road for the new health care bill before anything is finalized (or even approved by the Senate for that Read more…

taxation of annuities

Taxation of Annuities

By Justin Fundalinski, MBA | April 25, 2017

Annuity income can play an important role in retirement planning because if used correctly, it can provide a steady stream of income for the rest of the annuitant’s life. However, while steady and secure income simplifies finances for annuitants (especially as they age), understanding how annuities are taxed becomes a bit more complex (not that Read more…


IRA Deduction and Contribution Limits

By Justin Fundalinski, MBA | March 20, 2017

There are some very confusing rules when it comes to whether or not you are able to contribute to Traditional IRAs and Roth IRAs and whether or not your contribution is deductible. In this month’s article I aim to clarify these rules so you will be able to catch your mistakes before the IRS subjects Read more…

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