Posts tagged Year-End
New Year, New You… Not True?
New Year, New You… Not True?

Resolutions to improve your financial situation similar to one’s made last year? Here’s how and why to consider actions and timeframes, instead of focusing on desired outcomes.


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Budgeting, Debt Management, Investing, Retirement, Retirement Planning, Tax Planning, Work BenefitsGlenn BrownBudget, Best Practice, Debt Management, Rebalancing, Employee Benefits, Economy, Financial Planning, Focus on your why, family, Semi-Retirement, Retirement, Roth IRA, Student Debt, Goals, Joy, Resolutions, 401(k), Work Benefits, Markets, Local Town Pages, Investing, Portfolios, Priorities, Spending, Savings, Tax Planning, Traditional IRA, Total Return, Your Money Your Independence, Your Money, Year-End, New Year
Perfection is the Enemy of Good, Focus on Executing Improvements.
Perfection is the Enemy of Good, Focus on Executing Improvements.

While 2022 has been a challenging investment environment, it has been a fantastic year to see the benefits of executing financial plans over the past few years. 

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Investing, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your Independence, Small BusinessGlenn BrownAsset Allocation, Best Practice, Rebalancing, Debt Management, Cash Flows, Capital Gains, Contribution Limits, Employee Benefits, Economy, Entitlements, IRA Contributions, Investing, 401(k), Work Benefits, Local Town Pages, Inflation, Open Enrollment, Pro-rata rule, Priorities, Portfolios, Required Minimum Distributions, Savings, Tax Planning, Traditional IRA, 403(b), 457, Spending, tax planning, Investment Management, Wash Sale, Tax-Loss Harvesting, Tax Deadlines, taxes, Roth IRA, Roth Conversion, Taxes, Your Money Your Independence, Year-End
Eye Opening Costs At Open Enrollment?
Eye Opening Costs At Open Enrollment?

Over past year, health insurance prices have increased 3X to US inflation. It’s time to fully understand HDHP, HSA and how to do your cost/benefit analysis.


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Insurance, Budgeting, Investing, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBest Practice, Work Benefits, Health Insurance, Health Plans, Health Savings Accounts, HSA, Inflation, Investing, HDHP, PPO, taxes, Tax Planning, Taxes, tax planning, Employee Benefits, FSA Dependent Care, Financial Independence, FSA, Financial Planning, Goals, Healthcare, 401(k), Life Insurance, Local Town Pages, Open Enrollment, Priorities, Your Money, Your Money Your Independence, Savings, Year-End
Yes, Backdoor Roth and Roth Conversions Are Still Open to All.
Yes, Backdoor Roth and Roth Conversions Are Still Open to All.

The news of Congress limiting Roth IRA conversions and eliminating Backdoor Roth? Never mind (for now).

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Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownBeneficiaries, Financial Planning, Goals, IRAs, IRA Contributions, Investing, IRA Withdrawals, 401(k), Multi-Generational Planning, inheritance, Roth IRA, Pro-rata rule, Priorities, Required Minimum Distributions, RMD, Savings, Traditional IRA, Tax Planning, Your Money Your Independence, taxes, Taxes, Roth Conversion, Year-End, Recharacterization
Resolutions Gone Bad: Rein In Your New Year.
Resolutions Gone Bad: Rein In Your New Year.

How to make financial resolutions that lead to successful planning outcomes.

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Debt Management, College Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Retirement, BudgetingGlenn BrownAsset Allocation, Sandwichers, taxes, Budget, Best Practice, Rebalancing, Debt Management, children, Children, Cash, Cash Flows, Dividend Growth, family, Focus on your why, Financial Planning, Fee-Only Fiduciary, Financial Independence, Goals, IRA Contributions, Income Streams, Investing, Investment Management, Joy, Kids, Markets, 401(k), Work Benefits, Local Town Pages, Priorities, Portfolios, Pension, Savings, Spending, Tax Planning, Total Return, tax planning, Your Money Your Independence, HELOC, Mortgage, Home Equity Line of Credit, Retirement, Resolutions, Experience Spending, Taxes, Year-End, Your Money
Inflation: Increase assets, borrow, and lock in debits.
Inflation: Increase assets, borrow, and lock in debits.

Action items based upon the old adage “Inflation rewards debtors and hurts creditors”.

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Budgeting, Debt Management, Economics 101, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bond Portfolios, Rebalancing, Bonds, Best Practice, Debt Management, Dividend Growth, Dividends, Economy, ETF, Financial Planning, Fed, HELOC, Interest Rates, Income Streams, Inflation, Investment Management, Investing, Markets, high yield stocks, Local Town Pages, Mortgage, House, ROI, Portfolios, Priorities, Home Equity Line of Credit, Refinancing, Retirement, Savings, Tax Planning, Total Return, Your Money, Your Money Your Independence, taxes, Tax Deadlines, Taxes, Tax-Loss Harvesting, Year-End, Yields, Entitlements, Social Security, Cash, CDs, TIPs, Treasury Inflation Protection Securities, REITs, Rent, Home Ownership
Tax Loss Harvesting: Give Thanks And Slice Your Pie
Tax Loss Harvesting: Give Thanks And Slice Your Pie

Losing investments can offset realized profits as well as up to $3,000 in non-investment income each year.

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Investing, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownAsset Allocation, Bonds, Bond Portfolios, Best Practice, Rebalancing, Capital Gains, Investing, Investment Management, Local Town Pages, Markets, Interest Rates, Portfolios, Savings, Tax Planning, Your Money, Your Money Your Independence, Dividends, Wash Sale, taxes, Tax Deadlines, Tax-Loss Harvesting, Taxes, Year-End
Open Enrollment: Benefits to Opt-In for your HSA
Open Enrollment: Benefits to Opt-In for your HSA

HSA can offer “triple tax benefits”: tax-free contributions, tax-free earnings, and tax-free distributions.

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Insurance, Retirement Planning, Work Benefits, Your $ Your Independence, Investing, Tax PlanningGlenn BrownBest Practice, Employee Benefits, FSA, Financial Planning, family, FSA Dependent Care, Financial Independence, Goals, HSA, HDHP, Health Plans, Health, Healthcare, Investing, Kids, Work Benefits, Health Savings Accounts, Health Insurance, Retirement, Savings, Tax Planning, Your Money, Your Money Your Independence, Newborn, taxes, Taxes, Year-End, Open Enrollment, Medical Expenses
September is the Best Tax Planning Month. Yes, really.
September is the Best Tax Planning Month. Yes, really.

Reconcile tax planning strategies for the current year while positioning for the year ahead.

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Tax Planning, Retirement Planning, Your $ Your Independence, Work Benefits, Investing, InsuranceGlenn BrownSandwichers, Tax Deadlines, Tax Planning, Tax-Loss Harvesting, taxes, tax planning, Taxes, Dependent Care, FSA, FSA Dependent Care, DC-FSA, Child Tax Credit, children, HSA, Health Savings Accounts, Roth Conversion, Work Benefits, 401(k), 403(b), Employee Benefits, Financial Planning, Gifting, HDHP, IRAs, IRA Contributions, Social Security, Life Insurance, Local Town Pages, Roth IRA, RMD, Traditional IRA, Wash Sale, Year-End, Your Money Your Independence, IRA Withdrawals, Required Minimum Distributions
Take this job and shove it!? Measure twice, cut once.
Take this job and shove it!? Measure twice, cut once.

May be good reasons to change jobs or quit, best to remove emotions and seek validation before resignation.

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Budgeting, Work Benefits, Small Business, Your $ Your Independence, Retirement PlanningGlenn BrownSandwichers, Budget, Best Practice, Debt Management, children, Cash Flows, Local Town Pages, Employee Benefits, Economy, Economics, Work Benefits, Focus on your why, Financial Planning, family, FSA Dependent Care, Financial Independence, WFH, Goals, Health Plans, HELOC, Healthcare, Health, Home Office, Inflation, Income Streams, IRA Withdrawals, Raising Kids, Life Insurance, Mortgage, Interest Rates, House, Priorities, Refinancing, Retirement, Savings, Spending, Tax Planning, Your Money Your Independence, taxes, Taxes, tax planning, Year-End
Closing Time for 2020
Closing Time for 2020

There are investing, tax planning, and retirement planning opportunities to be had before year-end.

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Budgeting, Investing, Tax Planning, Your $ Your Independence, Retirement Planning, RetirementGlenn BrownSECURE Act, Asset Allocation, Tax Planning, Sandwichers, Aging Parents, Payroll, 401(k), 457, 403(b), FSA, Budget, Rebalancing, Best Practice, Financial Planning, Gifting, Health Care, HSA, IRAs, Investing, Investment Management, IRA Withdrawals, Roth Conversion, Roth IRA, Local Town Pages, Portfolios, Required Minimum Distributions, RMD, Wash Sale, taxes, Tax-Loss Harvesting, Tax Deadlines, Taxes, Your Money Your Independence, Year-End
To Convert or Not To Convert: Taxation Is The Question
To Convert or Not To Convert: Taxation Is The Question

Think your taxes or tax rate will be higher in retirement? Consider a Roth Conversion strategy.

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Investing, Retirement Planning, Retirement, Tax Planning, Your $ Your IndependenceGlenn Browntaxes, Financial Planning, grandchildren, Aging Parents, Goals, IRAs, IRA Withdrawals, inheritance, Investing, Tax Cuts and Jobs Act of 2017, 401(k), Local Town Pages, Multi-Generational Planning, Income Streams, Roth IRA, Social Security, Portfolios, Pro-rata rule, Required Minimum Distributions, RMD, Retirement, Roth Conversion, Recharacterization, Traditional IRA, Tax Planning, Taxes, Savings, Your Money Your Independence, Year-End
Ten Years Gone: People Evolve, Plans Should Too.
Ten Years Gone: People Evolve, Plans Should Too.

A plan is not a buy-and-hold investment, it needs to be dynamic as you evolve.

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PlanDynamic, Your $ Your Independence, Tax Planning, Retirement Planning, Work Benefits, Small Business, Investing, Insurance, Estate Planning, BudgetingGlenn BrownAging Parents, Sandwichers, Tax Planning, family, Savings, HSA, RSUs, Financial Independence, Financial Planning, Student Loans, 40's, 401(k), Work Benefits, Pension, Life Insurance, Cash Flows, Budget, Roth IRA, Roth Conversion, PMI, House, Student Debt, Newborn, 529 Plan, FSA Dependent Care, Refinancing, Mortgage, ESPP, Estate Planning, POAs, guardians, Guardianship, Long-Term Care, Elder Care Law, Raising Kids, Multi-Generational Planning, Best Practice, Debt Management, children, Caring for aging parents, Employee Benefits, FSA, Focus on your why, Fee-Only Fiduciary, grandchildren, Health Savings Accounts, IRAs, Investing, Kids, Local Town Pages, Health Plans, Medicare, Small Business Owners, Portfolios, Priorities, Retirement, Your Money Your Independence, Year-End
Roth Conversion: Wrap Up Your Tax Year
Roth Conversion: Wrap Up Your Tax Year

Pay the IRS a tax for the gift of tax-free retirement growth.

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Tax Planning, Your $ Your Independence, Retirement Planning, Retirement, InvestingGlenn BrownRoth Conversion, Roth IRA, Tax Planning, Tax Cuts and Jobs Act of 2017, Best Practice, Financial Planning, Investing, IRAs, Retirement, Recharacterization, 401(k), RMD, Required Minimum Distributions, Traditional IRA, Your Money Your Independence, Local Town Pages, Year-End, Pro-rata rule, taxes
Tax planning in September? You should and here’s why.
Tax planning in September? You should and here’s why.

Now, not December or April, is an opportune time.

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Tax Planning, Work Benefits, Your $ Your Independence, Retirement Planning, InvestingGlenn BrownTax Planning, Best Practice, Employee Benefits, Financial Planning, HSA, Health Savings Accounts, Health Plans, Investment Management, Tax Cuts and Jobs Act of 2017, 401(k), Investing, Roth IRA, Roth Conversion, Recharacterization, tax planning, Your Money Your Independence, Tax-Loss Harvesting, Year-End