When saving for retirement, our clients will often ask which account they should be making contributions to – a traditional IRA or a Roth IRA? The answer depends on several different factors that should be considered and discussed.

A traditional IRA is a great option for those who are looking to save for retirement in a tax-deferred account. However, there are many factors to consider when determining whether you are eligible to make contributions, and whether such contributions will be deductible or not.

Incentive Stock Options (ISOs) are a form of equity compensation, offering employees a share in the potential appreciation of a company’s value, with preferential tax treatment. If you have been (or will be) granted ISOs by your company, deciding whether and when to exercise ISOs and sell shares can be difficult and requires cash flow analysis, complex tax planning, and a long-term strategy.

Beyond the joy brought to parents from having or adopting a child, this is a huge financial transition in your life! There are a number of issues to consider including how the costs of caring for a child will impact both your short-term cash flow and long-term saving and wealth-building objectives.

When you receive a promotion or a raise at work, this change can come with a number of changes that might impact your financial situation. This change can have a great financial impact, and your planning can help make the most of this career advancement.

This checklist covers 21 of the most important planning issues to identify and consider when you're trying to determine how to fund your child’s college education.

There are lots of important numbers that you need to keep in mind. In some cases, those numbers are annual limits and change each year. This quick reference guide covers the most important annual limits as well as figures that are commonly referred to during the year.

The end of the year provides a number of planning opportunities and issues for you. Year-end topics can include tax planning, investment and retirement accounts, charitable giving, cash flow and savings, insurance and estate planning.

Charitably inclined clients who are age 70.5 or older may benefit from making a Qualified Charitable Distribution from their IRA (excluding Roth IRAs). This is a popular way for clients to support their favorite charities while reducing their AGI. The decision and procedure to carry out this strategy can be complicated.

It’s good to give back. Check out this guide to helps you identify opportunities and model outcomes in order to optimize the impact of your charitable gifts.

Converting a portion of an IRA to a Roth IRA is a complex process that involves many moving parts. To help make the analysis easier, this flowchart addresses common issues that you’ll encounter when doing a Roth conversion.

There’s a lot to consider with Roth conversions – especially with the current market condition and changes due to the SECURE Act!

You may rely on Medicare plans for their health care coverage and have enrolled in Original Medicare or Medicare Advantage, and likely have prescription drug coverage as well. For current beneficiaries of all of these plans (Medicare A, B, C, and D), October 15 marks the beginning of the open enrollment period, during which changes in coverage may be made.

This checklist covers 29 of the most important planning issues to identify and consider when you are getting married (or remarried) .

This quick reference guide covers the most important annual limits as well as figures that are commonly referred to during the year.

This checklist includes emergency relief options for individuals.

A checklist that covers many issues to consider during a recession or market correction.

This checklist includes emergency relief options for businesses.