by Bryan Craig Wisda, CFP® EA | Sep 25, 2026 | Advanced Planning, Tax Planning
Two Roth Accounts, Two Rulebooks: Why Roth IRA and Roth 401(k) Withdrawals Are Not the Same Roth IRAs and Roth 401(k)s are close relatives, but they are not identical twins. Both generally receive after-tax dollars, both allow tax-free growth, and both can ultimately...
by Bryan Craig Wisda, CFP® EA | Jul 30, 2026 | Advanced Planning, Tax Planning, Wealth Management
Paying a child or another family member for legitimate work can be an effective tax-planning strategy for a business owner. The familiar version involves placing a younger child on payroll. A less familiar version may work for an adult child—or even another...
by Bryan Craig Wisda, CFP® EA | Jun 24, 2026 | Advanced Planning, Tax Planning, Wealth Transfer
If you have children or grandchildren born between January 1, 2025, and December 31, 2028, you have probably seen the headlines about Trump Accounts for children. The basic story sounds simple enough: eligible children may receive a one-time $1,000 federal...
by Bryan Craig Wisda, CFP® EA | May 25, 2026 | Advanced Planning, Tax Planning
If you or a family member is considering a continuing care retirement community, often called a CCRC, one of the most important planning questions is whether any part of the entrance fee may qualify for a tax deduction. The answer is: possibly. A CCRC entrance fee tax...
by Bryan Craig Wisda, CFP® EA | Oct 30, 2025 | Advanced Planning, Financial Planning, Retirement Planning, Tax Planning, Wealth Management, Wealth Transfer
The problem SECURE created Before 2020, most non-spouse beneficiaries could stretch an IRA beyond 10 years by taking required minimum distributions (RMDs) over their life expectancy. A 40-year-old child might have had three decades to peel money out slowly. After...
by Bryan Craig Wisda, CFP® EA | May 3, 2025 | Wealth Transfer
In the world of financial planning, few instruments are as misunderstood—or as deceptively complex—as the non-qualified annuity. The non-qualified annuity inheritance pitfalls are significant. Often sold under the banner of “tax-deferred growth” and “guaranteed...
