Single Point of View
Single Point of View is our way to occasionally share planning ideas relating to personal finance. Our goal is to pass along concepts that you may not be exposed to on a daily basis.
Mid-Year Job Change – What happens with my HSA?
Health Savings Accounts (HSAs) are the (not so new) cool account in town! It is like a Roth IRA, but for healthcare expenses. You can open and contribute to an HSA if you are enrolled in an eligible high-deductible health insurance plan. The amount you can contribute is capped each year, but any contributions grow and can be withdrawn [...]
What’s in Santa’s Financial Plan?
Ever wonder how Santa funds his operation? Does he have any plans to retire? Does he have to file millions of gift tax returns? In our biggest ever interview on BTC, we sit down with Santa to discuss his financial planning. The kids got a little face time with the big man too! 3 for 3 [...]
We’re #2! (in MA, sort of) 😉
I'm typically skeptical of recognition in our industry. Mainly because I know the behind the scenes of most of these "Top Advisors Award blah blah blah" we see from some industry publications. At first glance the criteria for what makes someone a "top advisor" is never very clear. You'll notice if you dig a little deeper these are [...]
Be Aware of Capital Gain Distributions
Do you own mutual funds in a taxable investment account? If so, you should be aware of year-end Capital Gain Distributions. December (year-end planning season!) truly is the most wonderful time of the year (for nerdy financial planners.) Bottom line (if you don't want to watch the video): you should compare tax cost of holding mutual funds vs. selling [...]
When is the right time to sell my company stock?
The "right" time to sell an individual stock is one of the tougher financial decisions we see people struggle with. This can be especially tricky when it is your company stock and you feel more connected to it. But as these positions grow (specifically if part of your compensation is via additional stock), a single position can become a [...]
The Election & Your Estate
For part 3 of our series on the impact of the election on your finances, let's tackle the potential impact on estate taxes and the planning you can consider. Right now, the Federal estate exemption is as high as it’s ever been ($11.58MM per person!) with the exception of 2010 where the estate tax was fully waived for a [...]