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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…


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…

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