The tax-exempt benefit to heirs of a Roth is especially important for those subject to the estate tax, because heirs who would have to pay the estate tax would also have to pay an income tax if they inherited a traditional IRA. Many clients hold substantial assets in tax-deferred retirement accounts, such as traditional IRA’s… Read More


Tax filing season for 2018 is still open through April 15th of this year, leaving many individuals to wonder: Did my taxes actually go down in 2018 as policymakers promised? Too many will be tempted to compare their 2017 tax refunds to their 2018 tax refunds and make a judgment that way. But that sort… Read More


“Hit the shot you know you can hit, not the one you think you should” – Dr. Bob Rotella After years of saving for college, you don’t want a misstep when it’s time to use your 529 assets. Here are some do’s and don’ts for the college-bound. If you’ve spent years saving for college in… Read More


In golf, a bad shot may ruin your otherwise perfect plans to make birdie. In life, an unexpected illness can throw off our work and personal lives. You are responsible for your own retirement.  You are responsible for your own pension plan.  You have to be concerned.  You have to be focused.  You have to… Read More


“The only thing a golfer needs is more daylight” – Ben Hogan Mark Twain once mentioned October as a peculiarly dangerous month to speculate in stocks.  He wasn’t the most successful investor and actually spent his later years traveling the globe paying off debts he owed despite his book royalties and wife’s inheritance.  He spent… Read More


“Always count your blessings.  Be thankful you are able to be out on a beautiful course.  Most people in the world don’t have that opportunity”  – Fred Couples Remember fears about adjustable-rate mortgage re-sets, or the looming wave of foreclosures that would lead to a double-dip recession?  What about Y2k at the turn of the… Read More