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Should I Take the Lump Sum or Pension?

My brother has worked for the same company for over twenty years.  Now that is something you don’t see much of anymore.  The average person now switches jobs every four years.      He plans on calling it quits soon and...

BrettPlanning

How to Optimize your Benefits Enrollment

Optimizing your employee benefits is pivotal to your retirement planning.  With so many options nowadays, it can be confusing to determine what benefits to select.  This can get even more complicated when both spouses have access to benefits. So, what can you do to...

How Will My Capital Gains Be Taxed?

We get this question a lot, especially around year-end.  As most people already know, capital gains are taxed at lower rates than ordinary income.  But at what rates are they taxed at what is the primary driver in determining those...

Should I Fund a Health Savings Account (HSA)?

DIAGNOSIS: Are you in good health and can pay for most medical expenses with cash?TREATMENT: Consider fully funding an HSA account. What is an HSA? An HSA is an investment vehicle offered to individuals who are covered by a high deductible health plan, not claimed...

Should I Consider a Roth Conversion?

DIAGNOSIS: Do you have lower income than usual or wealthy heirs?TREATMENT: Consider a Roth Conversion. Would you ever want to pay taxes before you had to?   It sounds counterintuitive but the answer is sometimes yes.   A Roth Conversion is when...

How to Transition Jobs and Protect Your Retirement

2020 has been anything but ordinary.  Many people have lost jobs or had to transition to a new one due to reasons beyond their control.  This can be an emotional time, yet one that can also open the door for other opportunities. First things first.  You need to...

Blog PhysiciansChecklist

Physicians Financial Planning Checklist

Physicians face many unique challenges when it comes to financial planning.  Most graduate school with student loans, they have substantial liability exposure and begin saving for their retirement at a late age.    Proactive planning can help you...

ChooseTheRightCollege

Choose the “Right” Schools to Save Money on College

We all want the best for our children.  That includes paying for an education.  But the cost of that education keeps going up and is now over $300,000 at some schools.  Saving in a 529 plan is not enough! You need to develop a plan that not only helps you save, but...

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