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Financial Literacy & Fundamentals Retirement Planning Tax Planning

Should I convert IRA money to a Roth?
- Roxanne Alexander
Should I convert IRA money to a Roth is a complex question. Before 2017 tax law allowed recharacterization (being able to undo a Roth conversion). After 2017, tax law changed and you can no longer undo a conversion. So, before converting an IRA to a Roth, think through your full portfolio and goals. Converting an…
Financial Literacy & Fundamentals

How to Keep Your Personal Information Secure and Avoid Fraud and Identity Theft
- Roxanne Alexander
I received an email from a client stating that he was tied up in a meeting and needed “help” urgently. Instantly I thought this was odd for several reasons: You may feel obligated to help, but I would rather get yelled at for not doing anything than send a client’s money to Nigeria. The email…
Estate Planning Family Planning Tax Planning

Why Do I Need a Trust?
- Roxanne Alexander
A simple will works for some people, but maybe not for you. Are you in a second marriage? Have minor children? Are you concerned about fraud? These are just a few of the many reasons to consider a trust. There are some simple estate planning techniques that you can use, such as adding beneficiaries to your retirement…
Financial Literacy & Fundamentals Tax Planning

10 Easily Fixable But Often Overlooked Financial Planning Items
- Roxanne Alexander
It’s easy to let important financial tasks slip your mind, so take a minute to check this list for any to-do items you may have forgotten. It could make a big difference in your bottom line. We go through our daily activities and oftentimes neglect to revisit financial aspects that can earn us some extra…
Financial Literacy & Fundamentals Tax Planning

Do You Give Money To Charity Or Plan To In The Future? You Should Know What A DAF Is.
- Marcos A. Segrera
If you are looking to make charitable giving a part of your personal planning, understanding the role a DAF can play is a helpful place to start. A DONOR-ADVISED FUND, or DAF, is a giving account established at a public charity. It allows donors to make a charitable contribution, receive an immediate tax deduction, and then recommend…
Estate Planning Family Planning Tax Planning

My Loved One Passed Away. What Now? A Financial Advisor May Be A Valuable Resource.
- Roxanne Alexander
When my dad passed away, a very dear client passed away shortly after. Both left their spouses to handle the finances, and although they left their affairs organized, extensive detective work was still necessary. Once the initial shock of losing someone subsides and the ceremonial procedures are over—what do you do now financially? After losing…