MA Chapter 62F Refunds – aka MA tax refunds for all!!

By |2022-09-22T15:02:34+00:00September 22nd, 2022|Categories: Single Point of View, Tax Planning|Tags: , , , , , , , |

Massachusetts taxpayers will be excited to find out that they will be receiving a refund from MA for tax year 2021! Massachusetts law dictates that if tax revenue collections exceed a certain annual tax revenue cap then all excess will be returned to taxpayers.  MA exceeded the cap in 2021, so what this functionally [...]

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What’s New(s) with Seth: August 2022

By |2022-09-20T15:51:08+00:00September 21st, 2022|Categories: Investment Planning, Single Point of View, What's New(s)?|Tags: , , , , , , , , , , |

Seth is back with another installment of “What’s New(s)?”  highlighting the topics that he’s following closely which might have an impact on you, as well as some others that he thinks you might find interesting or fun.  Editor's note:  This blog post was supposed to go live last month.. but I forgot to set the [...]

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Student Loan Debt Relief Plan. What Now?

By |2022-09-07T21:22:43+00:00September 7th, 2022|Categories: Student Loans|Tags: , , , , , , , , , , |

Editor’s Note:  If you don’t recognize Carlos’ name yet, you will soon.  Carlos Quintanilla is the newest addition to the SPP team.  Most of you know Susan Snyder who basically makes sure everything gets done around here – well, we’ve finally got Susan some help in that, welcome Carlos (you can learn a bit more [...]

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Live Long and Prosper: Life lessons from a Timeless Classic

By |2022-08-10T14:13:55+00:00August 10th, 2022|Categories: Estate Planning, Single Point of View|Tags: , , , , , , , , , |

My Introduction to Star Trek After we’ve put the baby to bed at night and set tomorrow’s coffee to brew, my husband and I watch Star Trek: The Next Generation. He was raised on Star Trek, I was not. Watching it for the first time, I am struck by how timeless it is, and [...]

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Roll-Back Your IRA?!

By |2018-03-16T03:27:41+00:00November 8th, 2017|Categories: Single Point of View|Tags: , , |

A quick Google search yields HUNDREDS of articles explaining why you should roll a 401(k) to an IRA – but as our Chief Investment Officer, Rene, alluded to in his recent post “The Twisted Logic of IRA Rollovers”, there may be reasons to keep retirement assets in an employer sponsored qualified plan (401(k), 403(b), etc.) or [...]

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The Twisted Logic of IRA-Rollovers

By |2018-03-16T03:15:50+00:00October 27th, 2017|Categories: Single Point of View|Tags: , , , |

Rolling your 401(k) or 403(b) retirement balance into a broker's 'managed IRA' program is too often the wrong choice done for the wrong reasons.  'Financial Advisors' will justify the roll-over based on claims of broader choice, greater control and simplification at no extra cost.  More often than not, these arguments are based on incomplete disclosures of [...]

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Fidelity Trading Costs Reduced

By |2017-03-01T20:45:49+00:00March 1st, 2017|Categories: General Planning|Tags: |

Very good news for our clients with accounts held at Fidelity.  Fidelity has announced that it has reduced trading costs on equity trades (including Exchange Traded Funds) from $7.95 to $4.95 per trade.  As you may know, there are a number of iShares ETFs that trade at no cost on Fidelity's platform as well.     [...]

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Health Insurance: Medicare & Employee Benefits Reviews

By |2016-10-20T12:19:30+00:00October 20th, 2016|Categories: Insurance Planning|Tags: |

Fall:  leaves change, apple picking, football and health insurance.  Something like that. October 15th began open enrollment for Medicare plan choices for 2017.  If you want to review the coverage you have (Supplemental plans and Part D coverage) we have until December 7th to make changes. Open enrollment for health insurance plans through the Affordable Care [...]

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Important Changes to Financial Aid Process

By |2016-09-29T13:11:04+00:00September 29th, 2016|Categories: Single Point of View|Tags: |

If you have a child in college, or, will have one entering college in fall of 2017, I've got your weekend plans all lined up.  The process for filing FAFSA (Free Application for federal Student Aid) has changed.  The most important thing to know is that starting this Saturday (October 1) you can access the FAFSA [...]

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Estimated Tax Payments – Online Payment Option

By |2016-09-06T14:26:25+00:00September 6th, 2016|Categories: Single Point of View|Tags: |

With tomorrow being June 15th, we wanted to update this post from last year as a reminder to pay your quarterly tax estimates.  Below are the links to simplify things and make these payments online.   For many of us who have income that is not subject to tax withholding (for example: earnings from self-employment, interest, [...]

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