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Tax Document Retention: When the IRS Can Request Documents

By Jack Krumeich-Miller, E.A. | November 21, 2018

When I first began preparing tax returns for friends and family, it was all done on paper.  It was all mailed in.  It was all physically saved in filing cabinets.  And, I was always told I could shred anything after 3 years.  However, that is not exactly true. Now it can all mostly be done Read more…


2019 Changes to Income Related Medicare Premiums

By Justin Fundalinski, MBA | July 20, 2018

Several years ago, I wrote an article about the changes coming in 2018 on income related Medicare premiums. Better known as the Income-Related Monthly Adjustment Amount (or IRMAA), this provision of Medicare rears its head and increases Medicare premiums as individual or couple’s income rises. It’s essentially an added tax, or a way to help fund Read more…

tax torpedo

Social Security and the Tax Torpedo

By Justin Fundalinski, MBA | June 21, 2018

In a previous article I discussed in detail the intricacies of how Social Security gets taxed. In some cases no Social Security income is taxable while in others up to 85% of Social Security income is taxable. Because of the unique way Social Security income phases into taxation, there is a “window” when every additional Read more…

Sequential Risk

By Justin Fundalinski, MBA | May 20, 2018

“Sequential risk” or “sequence of returns risk” is a well-defined and highly discussed term in the retirement planning and investment industry. Under certain circumstances it can be one of the largest risks pre-retirees and early retirees face. Much of the basis of our firm’s retirement planning strategies is formed around managing this risk, and the Read more…


QCDs Instead of Cash Donations

By Justin Fundalinski, MBA | April 20, 2018

With the new tax law doubling the standard deduction it is going to be much harder to itemize your tax deductions. Unfortunately, for those who give to charities this change may cause their charitable gifts to be far less valuable from a tax prospective. However, there is an excellent way to give to qualified charities Read more…

tax void

The Tax Void

By Justin Fundalinski, MBA | March 20, 2018

Considering the reader base of this newsletter, I assume most reading this are attempting to be  good savers for retirement and are patting themselves on the back each year for peeling off portions of their earned income to save into 401(k)s and IRAs, all while reducing their current year’s tax bill.  I commend you for Read more…


NUA – When You Have Employer Stock Held In Your Retirement Plan

By Justin Fundalinski, MBA | February 20, 2018

Admittedly, this overview of Net Unrealized Appreciation (NUA) is designed to be quick and concise.  There are far too many tangents that can be covered in a simple newsletter such as this, and the point of this article is not to educate you on every detail, but to get you thinking whether taking advantage of Read more…

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…

tax credit for other dependents

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…

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