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correlation and diversification

It’s All Relative (Performance)

By Scott Roark, MBA, PhD | April 20, 2019

There are plenty of circumstances in life where you really don’t want to compare yourself with others.  Doing that is a fairly reliable way to make yourself feel bad – there will always be someone better looking, more athletic, more successful or richer than you.  But in the world of investing, it is critical to Read more…


Top 5 Year End Retirement Tax Planning Tips

By Jack Krumeich-Miller, E.A. | December 22, 2018

As the year comes to a close, there is still a window of time to make your last tax moves to prepare for filing season and get the most from your tax situation.  There are five specific retirement tax planning tips this article will focus on: Itemizing Deductions has changed for 2018 – The new Read more…

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…

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