Latest articles by Samuel V. Gaeta, CFP®
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Did You Get a Cash Windfall? The Case for Doing Nothing
An inheritance or lottery win can be a stroke of good fortune, but if you mismanage your funds, you could end up worse off than before your windfall.
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Option Contracts Offer Tax Advantages, But Beware of Risks
In uncertain markets, sometimes leveraging your existing holdings can put you on a path to greater returns.
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Advisory Annuities Let You Eliminate the Middlemen
With a traditional annuity, multiple entities take a cut before you get yours, but there’s a new, interesting option that, for some, is worth considering.
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One Way to Secure Your Child’s Inheritance in an Uncertain Tax Future
Sometimes it might take an IDGT, or intentionally defective grantor trust, to preserve generational wealth. But how does that work?
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Three Considerations for Stashing Cash After Bank Failures
People are understandably nervous about the safety of their cash accounts. The three-bucket method helps you divide your funds based on when you’ll need to access them.
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Capital Gains Taxes Trap: How to Avoid Mutual Fund Tax Bombs
It’s bad enough when your mutual fund’s assets lose value, but owing unexpected capital gains taxes after those losses is doubly frustrating.
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In Retirement Planning, What’s Your Retirement Personality?
There are many ways to think about retirement planning, and your personality can influence yours. If your personality and plan match, you have a greater chance of retirement success.
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The Power of Debt: It Isn’t All Bad
personal finance We hear the warnings constantly: Debt will ruin your finances. The reality is that some debt isn’t bad. In fact, a securities-backed line of credit can be a potent wealth-building tool for certain folks.
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Net Unrealized Appreciation: A Hidden Tax Strategy
tax planning It’s common knowledge that retirement income is subject to taxation. What’s not as well known is that some of that income is subject to a lower tax rate through Net Unrealized Appreciation.
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1031s: Minimizing the Tax Burden on Investment Property
real estate investing A 1031 exchange can give you more cash on hand when upgrading your investment properties. When used wisely, 1031s can even lower your overall tax burden. But there are several pitfalls to avoid.
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The Pitfalls of Self-Directed Roth IRAs
IRAs If a typical Roth IRA doesn’t give you the investment opportunities you’re looking for, a self-directed Roth IRA might be of interest. However, you’d better know what you’re doing.
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The Long-Term Care Conundrum
long term care The costs of long-term care are tough to bear, so what is the best way for you to go about planning for them? Answering these two questions is a good place to start.
long term care
