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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 planning sequence 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…

Excess IRA contributions

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…

tax void

Creating and Filling Your Tax Void

By Justin Fundalinski, MBA | February 26, 2017

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 IRA’s, all while reducing their current year’s tax bill.  I commend you for Read more…

Estimated Taxes

Estimated Taxes

By Justin Fundalinski, MBA | January 20, 2017

By the time you are reading this article it is too late to make any estimated tax payments for 2016. However, now is the right time to start thinking about estimated tax payments for next year.  As many of our readers rely on various income sources in retirement, tax withholding is not as cut and Read more…


Trump Taxes

By Justin Fundalinski, MBA | December 20, 2016

Now that the election is over we have to start considering what could happen as President-elect Donald Trump implements (or tries to implement) the center piece of his economic plans – tax reduction.  Please note that this article is based on Trump’s statements during his campaign, is focused on individual taxes (not business), and many Read more…

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