Beware of the Payroll Tax Deferral

By |2020-09-11T21:44:42+00:00September 11th, 2020|Categories: Cash Flow, Single Point of View, Tax Planning|Tags: , , |

You are going to want to pay close attention to your paycheck over the next couple of months.  If you happen to see some extra $$$ in it, don't get too excited and certainly don't spend it all too quickly. So, what is this all about? President Trump has issued an executive order allowing employers [...]

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Saving for “retirement” in your 30s & 40s?

By |2020-09-04T18:18:59+00:00September 4th, 2020|Categories: Behind The Curtain, Cash Flow, Retirement Planning, Single Point of View|Tags: , , |

Am I saving enough for "retirement"?  How do we think about saving in general and balancing saving for shorter term goals as well?  In this installment of Behind The Curtain, Seth and I discuss a framework for thinking about savings when you are in your 30s & 40s.  It's not just about saving for this [...]

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Will I really get that low of a mortgage rate?

By |2020-08-27T21:25:10+00:00August 27th, 2020|Categories: Lending, Single Point of View|Tags: , , |

Have you been noticing all the ads and articles on the "historically low" mortgage rates?  In this quick video, Rene helps us understand what these "headline" rates may really mean for you!

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Kids Heading Back to College? Here’s One Document You Should Have

By |2020-08-20T13:50:27+00:00August 20th, 2020|Categories: Estate Planning, Single Point of View|Tags: , , |

The entire country is trying to figure out how to open up schools, while some colleges will be doing remote learning many others are welcoming students back to campus.  If you have a child heading back to college this fall the below post from our friends at Squillace & Associates, P.C. is for you. Scott [...]

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How the $?#! do I fill in my W-4???

By |2020-08-13T15:02:44+00:00August 13th, 2020|Categories: General Planning, Single Point of View, Tax Planning|Tags: , |

Were you surprised by your tax bill the past couple of years? It's possible that is due to changes in the way taxes are now being calculated to be withheld from your paycheck. In this Single Point of View, Seth deciphers the new W-4 form and provides some tips on how to complete it. [...]

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Should I change my portfolio before the election?

By |2020-07-30T18:36:08+00:00July 30th, 2020|Categories: Investment Planning, Single Point of View|Tags: , |

One of the most common questions we are getting these days, no matter what your political leanings are, is about the impact of the upcoming Presidential Election on portfolios. Rene gives his words of wisdom on the subject with a little bit of history for context. We're not in the business of making short term [...]

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Should I Bother Owning Small Company Stocks?

By |2020-07-23T19:47:22+00:00July 23rd, 2020|Categories: Investment Planning, Single Point of View|Tags: , |

The headlines will tell you that the stock market has recovered from its low point in March.  However, small-cap & mid-cap stock indexes have lagged behind large-cap companies in 2020.  So, what's the benefit of owning these smaller companies as part of a diversified portfolio? As always, Rene helps put it all in context. [...]

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You collected unemployment, now what?

By |2020-07-23T19:44:12+00:00July 16th, 2020|Categories: Single Point of View, Tax Planning|Tags: , , |

Surprise, unemployment benefits are 100% taxable (including the additional $600 weekly benefit under the CARES Act)!  Okay, you’re not surprised, because Shaun and Seth sprung that on you last week in Episode #5 of Behind the Curtain: Avoid Surprises with Unemployment Income.  Unemployment benefits are taxable and as a default, most states, including Massachusetts and [...]

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Avoid Surprises with Unemployment Income (BTC Ep. 5)

By |2020-07-10T18:54:32+00:00July 9th, 2020|Categories: Behind The Curtain, Single Point of View, Tax Planning|Tags: , , |

Over 40 million Americans have filed for unemployment during the pandemic.  If that includes you, what should you be aware of to avoid any surprises? Seth and I discuss this in episode #5 of Behind the Curtain.

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How $1 of Income can cost you $1,680 of Tax

By |2020-06-30T20:48:32+00:00June 30th, 2020|Categories: Single Point of View, Tax Planning|Tags: , |

Our tax system is complicated. It is full of thresholds and cliffs that can cost you if you aren’t aware of them. Whether you are deciding on a Roth Conversion amount, taking Capital Gains, or exercising stock options - it is important to be doing tax planning to understand the full impact of those decisions. [...]

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