New York's estate tax cliff can tax an entire estate once it crosses the exemption by more than 5%. Here's how one Rochester couple, working with their O'Keefe Stevens advisor and estate attorney, rebalanced their plan with revocable trusts, a credit shelter trust, and an early gifting strategy.
If you work for yourself, a Traditional or Roth IRA alone usually won't replace your income in retirement. A SEP IRA lets self-employed individuals and business owners contribute up to $72,000 in 2026, with simple setup and a funding deadline that runs to your tax filing date.
Learning how to avoid IRMAA is one of those retirement details that sounds like alphabet soup until it costs you […]
The New York estate tax has a quirk that catches families off guard, and it can cost a small fortune. […]
If you’ve started comparing advisors, you’ve probably run into the phrase fee-only financial advisor and wondered whether it actually matters. […]
How much does a financial advisor cost? It’s the question I get before almost any other, and I respect it. […]
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