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Do your due Tax considerations should never be the primary driver of your investment decisions. Directing tax-inefficient funds into nontaxable accounts If you invest in actively managed or other tax-inefficient funds, ideally you should put these holdings in nontaxable accounts, such as a traditional IRA or k. And if the funds are held in a Roth account, those distributions will escape taxation altogether. If you recently redeemed frequent flyer miles to treat the family to a fun summer vacation or to take your spouse on a romantic getaway, you might assume that there are no tax implications involved.

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The value of the miles for tax purposes generally is their estimated retail value. Estate Planning Imperatives Well-crafted, up-to-date estate planning documents are an imperative for everyone. They also can help ease the burdens on your family during a difficult time. Probate is the court-supervised process of paying any debts and taxes and distributing your property after you die. To be valid, a will must meet the legal requirements in your state. Your assets may be distributed — and your dependents provided for — in ways that differ from what you would have wanted. The living trust Because probate can be time-consuming, expensive and public, you may prefer to avoid it.

A living trust can help. During your life, you can act as the trustee, maintaining control over the property in the trust.

Assets held in a living trust avoid probate — with very limited exceptions. Another benefit is that the successor trustee can take over management of the trust assets should you become incapacitated. Other documents There are other documents that can complement a will and living trust. In it, you can express your desires for the memorial service, as well as the contact information for your employer, accountant and any other important advisors. Also consider powers of attorney. A durable power of attorney for property allows you to appoint someone to act on your behalf on financial matters should you become incapacitated. A power of attorney for Free casual sex in lamar ar 72846 care covers medical decisions and also takes effect if you become incapacitated.

Foundational elements These are just a few of the foundational elements of a strong estate plan. We can work with you and your attorney to address the tax issues involved. Others generate income from interest, rent or dividends. Here are three strategies to help avoid underpayment penalties: Know the minimum payment rules. For you to avoid penalties, your estimated payments and withholding must equal at least: Use the annualized income installment method. Estimate your tax liability and increase withholding.

Because withholding is considered to have been paid ratably throughout the year, this is often a better strategy than making up the difference with an increased quarterly tax payment, which may trigger penalties for earlier quarters. Please contact us for help with this tricky tax task. As a result, tax-friendly ways to pay for these expenses are very much Free casual sex in lamar ar 72846 play for many people. Free casual sex in lamar ar 72846 provide opportunities for tax-advantaged funding of health care expenses.

You own the account, which can Free casual sex in lamar ar 72846 interest or be invested, growing tax-deferred similar to an IRA. Withdrawals for qualified medical expenses are tax-free, and you can carry over a balance from year to year. The plan pays or reimburses you for qualified medical expenses. An HRA is an employer-sponsored arrangement that reimburses you for medical expenses. Unlike an FSA, any unused portion typically can be carried forward to the next year. Please bear in mind that these plans could be affected by health care or tax legislation. Contact our firm for the latest information, as well as to discuss these and other ways to save taxes in relation to your health care expenses.

But individuals need to prepare for worst-case scenarios, as well. To help simplify matters, here are five keys to disaster planning that everyone should consider: Make sure your policy covers flood, wind and other damage possible in your region and that its dollar amount is adequate to cover replacement costs. Also review your life and disability insurance. Create a list of your bank accounts, titles, deeds, mortgages, home equity loans, investments and tax records. Inventory physical assets not only in writing including brand names and model and serial numbersbut also by photographing or videoing them. Keep copies of financial and personal documents somewhere other than your home, such as a safe deposit box or the distant home of a trusted friend or relative.

You may not receive insurance money right away. Also maintain a cash reserve in your home in a durable, fireproof safe. Establish a family emergency plan that includes evacuation routes, methods of getting in touch and a safe place to meet. Because a disaster might require you to stay in your home, stock a supply kit with water, nonperishable food, batteries and a first aid kit. If so, and you have a kyou should consider a potentially useful tax-efficient IRA rollover technique. The IRS has specific rules about how participants such as you can allocate accumulated k plan assets based on pretax and after-tax employee contributions between standard IRAs and Roth IRAs.

While some highly compensated supersavers may have significant accumulations of after-tax contributions in their k accounts, the tax law income caps block the highest paid HCEs from opening a Roth IRA. However, under IRS rules, these participants can roll dollars representing their after-tax k contributions directly into a new Roth IRA when they retire or no longer work for the companies. An example Participants can contribute rollover dollars to conventional and Roth IRAs on a pro-rata basis. Under each approach, the subsequent growth in the Roth IRA will be tax-free when withdrawn. Partial rollovers can also be made, and the same principles apply.

Golden years ahead HCEs face some complex decisions when it comes to retirement planning. Let our firm help you make the right moves now for your golden years ahead. Few purchases during your lifetime will be as expensive as buying a home. Fixed-rate loans offer stability A fixed-rate mortgage, as its name suggests, is a loan whose interest rate remains constant for the life of the loan — typically 15 or 30 years. One of the primary benefits of a fixed-rate loan is that it provides a measure of certainty about one of the biggest expenses in your monthly budget.

That said, if interest rates were to fall again, your fixed-rate loan would leave you unable to take advantage of the shift unless you refinance, which might involve fees. ARMs provide flexibility Adjustable-rate mortgages ARMs typically offer a fixed interest rate for an initial period of years. This rate, which is usually lower than that of a comparable fixed-rate mortgage, resets periodically based on a benchmark interest rate. Paying less interest in the beginning frees your cash for other investments. The best for you The right loan type depends, naturally, on your financial position.

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