by Joe Allaria CFP®, MBA | Dec 29, 2021 | Article, Portfolio Management, Risk Management
Health Savings Accounts: A Best-Kept Secret? Key Takeaways: A Health Savings Account (HSA) is a tax-advantaged account that lets you contribute pre-tax, grow money tax-free, and take tax-free withdrawals for qualified medical expenses. To use an HSA, you must be on a...
by Joe Allaria CFP®, MBA | Dec 11, 2021 | Article, Tax Planning
Charitable Donations Using Stock, Not Cash Key Takeaways: Donating appreciated stock directly to charity lets you support causes you care about while avoiding capital gains tax on those shares. You can replenish your investment account with cash you would’ve donated...
by Joe Allaria CFP®, MBA | Oct 19, 2020 | Article, Portfolio Management, Tax Planning
5 Smart Tax Moves for your Brokerage Account Key Takeaways: Use your brokerage account as a funding source to max out tax-advantaged accounts like a Roth IRA, a 401(k), and an HSA so more growth happens with better tax treatment. If you give to charity, donating...
by Joe Allaria CFP®, MBA | May 26, 2020 | Article, Portfolio Management, Retirement Planning
How to Free Yourself from Financial Anxiety Key Takeaways: Feeling financial anxiety is normal, especially during uncertain times like the COVID-19 pandemic. Reduce the unknowns by taking a clear inventory of your assets, debts, income, and expenses so you know where...
by Joe Allaria CFP®, MBA | May 19, 2020 | Article, Portfolio Management, Retirement Planning
Is Cash King? Key Takeaway: In the article, cash is “king” mainly for near-term safety (a solid emergency fund or upcoming spending), but for long-term goals it can hurt returns if fear keeps you out of the market, so cash should match your time horizon and withdrawal...
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