Author archives for Chelsi Balfour

    Don’t Let the Sweet Spot Pass You By

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    Don’t Let the Sweet Spot Pass You By

    Doug Gjerde, MBA, CEPA, CFP© Are you in the sweet spot for saving taxes? We all have a 12 1/2-year period we’ll have the maximum chance to use some powerful tax strategies. If you take the right steps, you can cut your lifetime tax rate significantly. Yet many people miss out.

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    Arranging your investments to be tax-efficient  can make your money last longer

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    Arranging your investments to be tax-efficient can make your money last longer

    Doug Gjerde, Wealth Advisor, Managing Partner, MBA, CEPA, CFP© Tax-efficient investing is a way to make sure you get the most money possible from your investments.

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    Contributing to a Health Savings Accounts (HSA) in 5 Easy Steps

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    Contributing to a Health Savings Accounts (HSA) in 5 Easy Steps

    What is an HSA? An HSA isa tax-advantaged medical savings account that can be used tax-free for qualified medical expenses. HSAs are designed to be used in conjunction with a High Deductible Health Plan (HDHP). HSAs offer triple tax advantages: contributions are deductible, earnings are tax …

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    Calculating NUA in 5 Easy Steps

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    Calculating NUA in 5 Easy Steps

    What is NUA? NUA is short for “Net Unrealized Appreciation” of employer securities. It’s the difference between the cost basis and the market value of employer securities held inside a qualified plan such as a 401(k). To take advantage of a special tax break for NUA, there …

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    Avoiding Charitable IRA Beneficiary Mistakes in 5 Easy Steps

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    Avoiding Charitable IRA Beneficiary Mistakes in 5 Easy Steps

    Can IRAs be used to benefit a charity? IRAs can be a great source of funds to provide a benefit for a favorite charity, but using these funds can create a number of traps that must be avoided in order to maximize benefits to both the charity and other IRA beneficiaries.

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    Tricks to Avoid Overspending this Holiday Season

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    Tricks to Avoid Overspending this Holiday Season

    The season of giving often feels like it’s turning into the season of spending. Ease some of the holiday gift-giving stress by creating and sticking to a holiday budget. Here’s how:

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