Conscientious Financial Planning and Retirement Income Management | 201-741-9528
from Lonier Financial Advisory LLC, Osprey, FL

Tag Archives: deferred tax accounts

’Tis the Season for Open Enrollment

In my last post, I listed some year-end housekeeping and tax items. It’s open enrollment season, so this post will cover items related to employer sponsored plans. Health insurance options and the ACA Top of mind this season, health insurance—many companies are replacing non-compliant health insurance plans. This may be your first time in a […]

Shaping a Prudent Investment Strategy

Last time we said that idle money loses value, so you need to put it to work. That’s why you invest, so your savings will grow in value over time. At today’s rates, the traditional safe methods, bank savings accounts, CDs, and money markets, offer negative real (after subtracting inflation) returns. In order to put […]

HSA’s and Taxes

One of the age-old myths of retirement planning is that your taxes will be so much less when you’re retired that they will not be as serious a planning issue as when you were working. This has certainly been part of the selling of 401k/403b and IRA tax-deferred accounts. There are, however, a few tax-traps […]