Posts tagged children
Secure Act 2: Electric Boogaloo?
Secure Act 2: Electric Boogaloo?

Sequels aren’t always a good thing, yet Congress has brought Secure Act 2 - reviewing the good, bad, and breakin’ star.

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Your $ Your Independence, Work Benefits, Tax Planning, Retirement Planning, Retirement, Investing, Debt ManagementGlenn BrownSECURE Act, Savings, Spending, RMD, Retirement, Roth IRA, Roth Conversion, IRA Withdrawals, Stretch IRA, Traditional IRA, SEP-IRA, Catch-up, 529 Plan, 401(k), Solo K, Age 73, 10-Year Rule, College, children, Entitlements, IRAs, Investing, IRA Contributions, 401k Match
Never ask, “Where do you want to go to college?”
Never ask, “Where do you want to go to college?”

Take control, don’t be another victim to make your teen happy… spending won’t make them happy.

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College Planning, Budgeting, Debt Management, Investing, Your $ Your IndependenceGlenn BrownBudget, Best Practice, Debt Management, College, children, Cash, Children, Tuition, ROI, Refinancing, College Planning, Financial Planning, Financial Aid, FAFSA, EFC, Focus on your why, Financial Independence, Grants, Giving, Goals, Gifting, High School Students, Inflation, Raising Kids, Kids, Local Town Pages, Net Price Calculators, NPC, Investment Management, Investing, Priorities, Student Debt, Savings, Student Loans, Spending, Sandwichers, Social Media, Tax Planning, Teenager, Total Return, Your Money Your Independence, taxes, Expected Family Contribution
Overdue Change Coming To MA Estate Tax Laws.
Overdue Change Coming To MA Estate Tax Laws.

Or Not!

MA House Speaker Ronald Mariano explains how MA legislature failed to pass an economic development plan which included changing outdated estate tax laws that just days before had the support of both the Democratic Senate and House, in addition support from Republican Governor Charlie Baker.

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Estate Planning, Philanthropy, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAging Parents, Sandwichers, Best Practice, Beneficiaries, Probate, children, Cash, Local Town Pages, Caring for aging parents, Financial Independence, Financial Planning, MA Laws, Estate Planning, Estate Tax, Death Tax, death, family, grandchildren, Gifting, Inflation, Investing, Joint Property, Multi-Generational Planning, inheritance, House, Priorities, Tax Planning, Your Money Your Independence, Will, Trusts, Trustee, taxes, Taxes, tax planning
Enjoy Every Sandwicher Moment.
Enjoy Every Sandwicher Moment.

This month celebrates those caring for their young children and aging parents simultaneously - Sandwichers.

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Estate Planning, Investing, Retirement Planning, Tax Planning, Your $ Your Independence, Budgeting, College PlanningGlenn BrownAging Parents, attorney, Elder Care Law, Tax Planning, Capital Gains, Best Practice, Beneficiaries, Budget, Debt Management, Probate, College, children, Cash Flows, Caring for aging parents, Local Town Pages, Daycare, Medicare, Dependent Care, Long-Term Care, Health Care, Medical Expenses, Death Tax, Guardianship, guardians, Estate Planning, Estate Tax, Entitlements, family, Focus on your why, Financial Planning, grandchildren, Goals, Giving, Gifting, Savings, Teenager, Health, Health Insurance, Home Ownership, Inflation, Investing, inheritance, Raising Kids, Kids, Markets, Will, Life Insurance, College Planning, Multi-Generational Planning, Mortgage, Minors, Income Streams, Investment Management, Joy, House, Portfolios, Social Security, Priorities, Spending, tax planning, Trusts, Total Return, Trustee, taxes, Your Money Your Independence, Education
Book Travel Now - Time for Experience Spending
Book Travel Now - Time for Experience Spending

My PSA for those adhering to a financial plan: Book your travel now.

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Budgeting, Your $ Your IndependenceGlenn BrownSandwichers, Budget, Best Practice, Debt Management, Financial Independence, family, Focus on your why, Financial Planning, children, grandchildren, Kids, Raising Kids, Cash Flows, College Planning, Goals, Joy, Local Town Pages, Priorities, Savings, Spending, Experience Spending, Economy, Teenager, Your Money Your Independence
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
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
Your Teen Working This Summer? Fund Their Roth IRA.
Your Teen Working This Summer? Fund Their Roth IRA.

Roth IRA for Kids can save for retirement, qualified educational expenses and introduce personal investing.

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College Planning, Investing, Retirement Planning, Retirement, Tax Planning, Your $ Your IndependenceGlenn BrownSandwichers, Beneficiaries, children, College, Contribution Limits, Children, College Planning, Financial Planning, Financial Aid, FAFSA, EFC, family, Financial Independence, Education, grandchildren, Gifting, IRAs, Investing, Raising Kids, Kids, Local Town Pages, Multi-Generational Planning, Minors, Roth IRA, Goals, Priorities, Retirement, Traditional IRA, Teenager, Savings, Tax Planning, Your Money Your Independence, Expected Family Contribution, taxes, IRA Contributions, Taxes, tax planning
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
New Dependent Care FSA Changes Provide Tax Savings
New Dependent Care FSA Changes Provide Tax Savings

A family with childcare in 24% tax bracket may save an extra $1,980 in taxes due to new legislation, but must act now.

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Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownSandwichers, taxes, Tax Planning, American Rescue Plan Act (ARPA), Savings, Payroll, Best Practice, children, Children, Employee Benefits, Financial Planning, FSA Dependent Care, Your Money Your Independence, Dependent Care, Kids, Work Benefits, Local Town Pages, Raising Kids, Teenager, Daycare, Taxes, DC-FSA
Zoom Your Estate Planning
Zoom Your Estate Planning

Technology and legislation are removing procrastination from developing your holistic estate plan.



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Estate Planning, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownAging Parents, attorney, Sandwichers, Tax Planning, taxes, Taxes, Beneficiaries, Best Practice, children, Children, College Planning, Caring for aging parents, David Feakes, death, Death Tax, designation, Estate Tax, Estate Planning, Focus on your why, Financial Planning, family, grandchildren, Guardianship, Gifting, guardians, Health, Joint Property, Raising Kids, Kids, Local Town Pages, Life Insurance, Multi-Generational Planning, inheritance, POAs, House, Teenager, Your Money Your Independence, Trusts, Trustee, Stretch IRA, Will
2020 - The Worst Year Ever… Really?
2020 - The Worst Year Ever… Really?

Turn down the hyperbole, 2020 offered great opportunities to refinance, save, invest, WFH, and focus on your why.

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Your $ Your Independence, Retirement Planning, Retirement, Debt Management, Estate Planning, Insurance, Budgeting, Tax Planning, Small Business, InvestingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Tax Planning, Savings, Trusts, Tax Deadlines, taxes, Technology, Best Practice, Budget, Rebalancing, Debt Management, Cash Flows, Estate Planning, Employee Benefits, Economy, family, Financial Planning, Focus on your why, Goals, Health, House, Interest Rates, Investing, Investment Management, Will, 401(k), Raising Kids, Kids, Experience Spending, Life Insurance, Local Town Pages, College Refunds, Mortgage, Markets, Roth IRA, Priorities, Required Minimum Distributions, Home Equity Line of Credit, Refinancing, Retirement, Roth Conversion, IRAs, Student Debt, Student Loans, CARES Act, children, Caring for aging parents, Traditional IRA, Total Return, Taxes, Your Money Your Independence
Your HS Junior know EFC, NPC or Merit? They should.
Your HS Junior know EFC, NPC or Merit? They should.

College Planning is more than 529s and student loans, focus on how to take less of each.

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College Planning, Debt Management, Your $ Your IndependenceGlenn BrownSandwichers, Best Practice, Budget, Debt Management, Education, FAFSA, family, Merit Scholarships, High School Students, College Planning, College, Tuition, EFC, Expected Family Contribution, Grants, grandchildren, Teenager, children, Financial Planning, Financial Aid, guardians, Goals, Raising Kids, Kids, Local Town Pages, HELOC, Minors, NPC, Net Price Calculators, ROI, Priorities, Savings, Student Debt, Student Loans, Your Money Your Independence
Why worry or fight? Have the money talks without the walk.
Why worry or fight? Have the money talks without the walk.

How to have open discussions about finances for a healthy relationship.

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Budgeting, Debt Management, Insurance, Investing, Retirement, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownSandwichers, Budget, Best Practice, Debt Management, children, Cash Flows, Financial Planning, Financial Independence, family, Focus on your why, Goals, Health, Joy, Raising Kids, Priorities, Retirement, Savings, Spending, Your Money Your Independence, Local Town Pages
Would’ve, Could’ve, Should’ve… But Did You?
Would’ve, Could’ve, Should’ve… But Did You?

Instead of talk of the future, act on the constants - change and time.  

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Your $ Your Independence, Tax Planning, Small Business, Retirement Planning, Retirement, PlanDynamic, Investing, Insurance, Estate Planning, Debt Management, College Planning, BudgetingGlenn BrownAging Parents, Asset Allocation, Sandwichers, Capital Gains, Tax Planning, Savings, Student Debt, Small Business Owners, Student Loans, Budget, Best Practice, Rebalancing, Debt Management, College Planning, children, College, Caring for aging parents, Economy, Goals, Employee Benefits, Focus on your why, Financial Planning, Fee-Only Fiduciary, Education, Guardianship, Mortgage, Health, Healthcare, Home Equity Line of Credit, HELOC, IRAs, Investing, Investment Management, IRA Withdrawals, 401(k), Raising Kids, Work Benefits, Kids, Local Town Pages, Markets, Interest Rates, Income Streams, Total Return, Portfolios, Priorities, Refinancing, Retirement, Roth IRA, Roth Conversion, Estate Planning, Traditional IRA, Your Money Your Independence, Dividend Growth, Tax-Loss Harvesting, Yields
Proactive Planning and Health Remain Critical
Proactive Planning and Health Remain Critical

Putting off your health or planning over fear isn’t the “new normal”.

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Budgeting, Retirement Planning, Tax Planning, Your $ Your IndependenceGlenn BrownTax Deadlines, Capital Gains, Tax Planning, Savings, Budget, Best Practice, Debt Management, Rebalancing, College Refunds, CARES Act, Health, Health Care, Health Savings Accounts, HELOC, Home Equity Line of Credit, MassSave, Healthcare, Employee Benefits, Focus on your why, Financial Planning, Fee-Only Fiduciary, Health Plans, HSA, children, IRAs, Interest Rates, Investing, Investment Management, IRA Withdrawals, Yields, Work Benefits, 401(k), Markets, Local Town Pages, College, Mortgage, Roth IRA, Priorities, Refinancing, Retirement, Student Debt, Student Loans, Caring for aging parents, Traditional IRA, Your Money Your Independence, taxes
The SECURE Act: Congress spins “Taxman” for next generation
The SECURE Act: Congress spins “Taxman” for next generation

New 10-Year Rule eliminates waiting for taxes and forces assets out of Roth IRAs.

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Estate Planning, Retirement, Retirement Planning, Tax Planning, Work Benefits, Your $ Your IndependenceGlenn BrownAging Parents, Tax Planning, Savings, Beneficiaries, Best Practice, taxes, tax planning, Estate Planning, children, designation, death, Employee Benefits, Financial Planning, family, Guardianship, Gifting, IRAs, inheritance, Minors, Kids, Will, 401(k), Work Benefits, Raising Kids, Local Town Pages, Multi-Generational Planning, RMD, SECURE Act, Roth IRA, Required Minimum Distributions, Retirement, Roth Conversion, Trusts, Trustee, Traditional IRA, Teenager, Sandwichers, Your Money Your Independence, Estate Tax, Your Money
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