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

Tag Archives: taxes

Impact Of The New Tax Law On Financial Planning And Retirement

Current strategies for tax optimization by asset location in after-tax, pre-tax, and tax-free (Roth) accounts are unchanged. Because of lower rates, retirement savers will have more after-tax money in 2018, but pre-tax deductible contributions to 401(k)s, 403(b)s, and IRAs will have a smaller effect on taxes due. Those working in retirement as sole-proprietors or LLCs can […]

Game Guide to Income, Savings, Wealth and Taxes

Summary One thing income is not is wealth. This is the first confusion we might encounter: High income does not necessarily mean great wealth. Savings is the source of income that protects our lifestyle when other income stops, but savings by itself, even significant savings, is not wealth. Income and wealth are taxed differently, so […]

Guide to the Markets Look-See

Statistics, damnable lies that they are, are a lot more interesting as pictures, i.e. charts and graphs. J.P. Morgan has published its Q1 2012 Guide to the Markets, which has 59 pages of charts and graphs, and narry a word except the source data under each one. (If mere looking is not enough, and you […]