The Wiser Wealth Blog
When should I take the tax hit on unrealized gains?
Many clients often ask, "When is the best time to take the tax hit on unrealized gains?" The answer is unique to each situation and depends on various factors surrounding [...]
Can saving money become addictive?
As a financial advisor, I’m always telling folks how important it is to save money. Saving is one of the smartest things you can do for your future. But, like [...]
How Much Should I Contribute to My Company’s ESPP?
Let’s start off by deciphering yet another investment acronym, ESPP, Employee Stock Purchase Plan. This is a company-sponsored program that allows employees to purchase shares of the company stock at [...]
Roth IRA for Minors: What Parents Need to Know
Setting up a custodial Roth IRA for minors is a fantastic way to start building their financial future early. With this option, a parent or another trusted adult acts as [...]
Charitable Remainder Trust Pros and Cons
What is a Charitable Remainder Trust (CRT)? A Charitable Remainder Trust (CRT) is an irrevocable trust designed to provide donors with income from donated assets while ultimately benefiting a charity. [...]
Avoid These 10 Common Retirement Planning Mistakes
Retirement is one of the most significant milestones in life, yet many people find themselves unprepared when they reach it. The good news is that with careful planning, you can [...]
The Benefits of Utilizing a Health Savings Account
In today’s ever-evolving healthcare landscape, finding ways to effectively manage your medical expenses while also saving for the future is more important than ever. One powerful tool that often goes [...]
IRS Clarifies 10-Year Rule for Retirement Account Beneficiaries
The IRS recently issued guidance on the annual distributions for beneficiaries of retirement accounts. The 10-Year Rule for inherited retirement accounts was created as part of the SECURE Act, which [...]
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