Tax Planning for Income
Feb 21, 2024
You don’t want to pay more in federal income tax than you have to. With that in mind, here are five things to consider when it comes to keeping more of your income.
Tags: Tax Advantages, Tax Deductions, tax guide, Tax Planning, tax season guide
How Are My Investments Taxed?
Feb 7, 2024
It’s nice to own stocks, bonds, and other investments. Nice, that is, until it’s time to fill out your federal income tax return. At that point, you may be left scratching your head. Just how do you report your investments and how are they taxed?Tags: Personal Finance, Tax Advantages, Tax Deductions, tax guide, Tax Planning, taxes
Backdoor Roth IRA
Jul 28, 2023
You can sum up the appeal of a Roth IRA in three words: federal tax benefit. Potential earnings in a backdoor Roth IRA grow tax free as long as the owner abides by the Internal Revenue Service (I.R.S.) rules, and withdrawals are federally tax free once you reach age 59½ and have held the Roth IRA for at least five years.1 (more…)
Tags: financial advisor, Investing, retirement, Retirement Planning, Tax Planning
Building a Healthy Financial Foundation
Apr 17, 2023
When you read about money matters, you will sometimes see the phrase, “getting your financial house in order.” What exactly does that mean? When your financial “house is in order,” it means it is built on a solid foundation. It means that you have six fundamental “pillars” in place that are either crucial for sustaining your financial well-being or creating wealth. (more…)
Tags: financial advisor charlotte nc, Financial Planning, Personal Finance, retirement, Retirement Planning, Retirement Tax Savings, Tax Planning, Wealth Building
Tax-Loss Harvesting
Sep 16, 2022
At one point or another, you may realize capital gains, which is a taxable event. What can you do about them? You can do what some investors do – you could recognize investments with a loss and practice “tax-loss harvesting.” (more…)
Tags: financial advisor charlotte nc, Financial Help, Investment Planning, Personal Finance, Tax Advantages, Tax Deductions, Tax Planning
That First Required Minimum Distribution from Your IRA
Jun 10, 2022
When you are in your seventies, Internal Revenue Service rules say that you must start making withdrawals from your traditional IRA(s). In I.R.S. terminology, these annual withdrawals are considered your Required Minimum Distribution (RMDs).1 (more…)
Tags: financial advisor, Investing, retirement, Retirement Planning, Tax Advantages, Tax Planning
Trends in Charitable Giving
Feb 9, 2022
According to Giving USA 2020, Americans gave an estimated $410.02 billion to charity in 2019. That’s the first time that the amount has totaled more that $400 billion in the history of the report.
Americans give to charity for two main reasons: to support a cause or organization they care about or to leave a legacy through their support.
When giving to charitable organizations, some people elect to support through cash donations. Others, however, understand that supporting an organization may generate tax benefits. They may opt to follow techniques that can maximize both the gift and the potential tax benefit. Here’s a quick review of a few charitable choices: (more…)
Tags: Tax Advantages, Tax Planning
2022 Annual Limits for Financial Planning
Jan 7, 2022
Tags: Certified Financial Planner Charlotte NC, Estate Planning, financial advisor charlotte nc, Financial Planner Charlotte NC, Financial Planning, Retirement Planning, Tax Planning, tax season guide
IRA Contributions are Approaching Deadlines
Jan 7, 2022
Financially, many of us associate the spring with taxes – but we should also associate December with important IRA deadlines. This year, like 2021, will see a few changes and distinctions especially with IRA contributions. (more…)
Tags: financial advisor, Financial Planning, retirement, Retirement Planning, tax guide, Tax Planning, tax season guide
Annual Financial To-Do List
Dec 22, 2021
What financial, business, or life priorities do you need to address for the coming year? Now is a good time to think about the investing, saving, or budgeting methods you could employ toward specific objectives, from building your retirement fund to managing your taxes. You have plenty of choices. Here are a few ideas to consider: (more…)
Tags: Certified Financial Planner Charlotte NC, Financial Planning, Investing, Investment Portfolio, Investments, Personal Finance, Retirement Tax Savings, Tax Planning
More Insights
Jul 9, 2025
Few terms in personal finance are as important, or used as frequently, as “risk.” Nevertheless, few terms are as imprecisely defined. Generally, when financial advisors or the media talk about investment risk, their focus is on the historical price volatility of the asset or investment under discussion.
Jul 7, 2025
As Americans get their grills and beach chairs ready for the July 4th holiday, the stock market and the weather across much of the country have both been on heaters. Stocks and bonds continue to effectively navigate a complex policy landscape shaped by evolving trade dynamics, geopolitical tensions, and fiscal stimulus. The market’s resilience in … Continue reading “Market Update – America Gets Record High Stock Prices for Its Birthday”
Jun 20, 2025
Birthdays may seem less important as you grow older. They may not offer the impact of watershed moments such as getting a driver’s license at 16 and voting at 18. But beginning at age 50, there are several key birthdays that can affect your tax situation, health-care eligibility, and retirement benefits.
Jun 18, 2025
During times like these when geopolitical headlines can be unsettling for investors, we at LPL Research like to remind ourselves of one of our key investing principles. Markets have always faced challenges —ranging from geopolitical conflicts and economic downturns to natural disasters, political upheaval and health crises. These events often trigger short-term volatility and shake … Continue reading “Why Long Term Investing Beats Selling in Volatile Times”
Jun 16, 2025
Are you concerned about the inheritance taxes your heirs may have to pay? Then you may want to consider creating charitable lead trusts.
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