photo by: Jim Saulnier
By Justin Fundalinski, MBA | September 20, 2016
We recently came across a case in which a retired PERA employee worked many of her years during the time when employees did not contribute to Medicare taxes, but also worked some of her years during a time that they did contribute to Medicare taxes. The end result was that she did not earn her Read more…
By Justin Fundalinski, MBA | August 20, 2016
With open enrollment for Medicare around the corner (October 15 through December 7th) maybe it’s time to start talking a bit about some important things to be looking out for. Rather than trying to write an all-encompassing article about Medicare, let’s start with one part of Medicare, specifically prescription Part D. What is Medicare Part Read more…
By Justin Fundalinski, MBA | July 15, 2016
We have all heard about trickle-down economics – in its most basic sense it argues that over time tax breaks for large corporations and investors (the wealthy) will stimulate economic growth as they will be able spend more money in the economy rather than on taxes. Well, I have decided to coin a new term Read more…
By Justin Fundalinski, MBA | June 22, 2016
There has been a lot of talk around the office and with clients about taxation of Social Security benefits. Since we are talking about taxation, we are talking about Internal Revenue Code (IRC), and we all know that the IRS likes to make things a clear cut as possible**[1]. In this week’s news article I Read more…
By Justin Fundalinski, MBA | May 20, 2016
Now that my family is covered by a robust health insurance plan I have decided to visit the doctor for a litany of things that I have been putting off for a while (apparently high deductibles work and I have avoided the doctor for years). Don’t worry, I’m in good health. However, with all of Read more…
By Justin Fundalinski, MBA | April 15, 2016
Next year, Jim Saulnier and Associates will be expanding its services into the realm of taxes. The net result of this is that I have decided to move forward with an Enrolled Agent (EA) designation from the IRS. Unfortunately, not too many know what an EA is, so why not inform our monthly readers on Read more…
By Justin Fundalinski, MBA | March 15, 2016
Naturally, end-of-life planning [1] discussions can be difficult, but they play a critical role to a complete retirement plan. A good plan will direct who makes decisions on your behalf when you cannot regarding medical, financial, and other general decisions, it will facilitate access to medical information to the appropriate people, it will guide extremely difficult Read more…
By Justin Fundalinski, MBA | February 15, 2016
As many of our readers know, we are advocates of ensuring there is enough secure income[1] to fully cover a retiree’s required expenses[2]. The reasoning behind this concept is that in a “worst-case” scenario in which a retiree’s assets become depleted (due to overspending, poor market performance, extended longevity, etc.), they are able to maintain a Read more…
By Justin Fundalinski, MBA | January 15, 2016
Between our Social Security blog, our Radio Show/podcast, and conversations in the office, we have discussed Social Security benefits for spouses an innumerable amount of times. However, there is an offshoot of spousal benefits that we have not covered in much detail; that is, Child-In-Care Spousal Benefits. Really, it’s the same spousal benefit we know Read more…
By Justin Fundalinski, MBA | December 15, 2015
It’s Not Just About Your Finances In financial planning, the best advice is sometimes counterintuitive or difficult to conceptualize. Social Security tradeoffs and the merits of delaying Social Security for a higher benefit have been iterated over and over, but there should always be a discussion beyond the complicated financial projections that focuses on preferences, Read more…
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