Make Your Dreams Possible with a HELOC
For many homeowners, the house isn’t just a place to live—when used effectively, it can also be a powerful financial tool. One way to leverage this asset is through a Home Equity […]
Building a Strong Credit Foundation for Your Children
Ben Franklin once said, “Nothing is certain except death and taxes.” While he was not wrong, we should add “credit scores” to his famous quote. Developed in the mid-1990s and later standardized […]
The Social Security Fairness Act
On January 5, 2025, President Joe Biden signed the Social Security Fairness Act into law after being introduced by Representative Garrett Graves (R-LA) nearly two years ago. You may think this Act […]
Electric Vehicle Tax Credits for High-Income Individuals and Families
Electric vehicles (EVs) are becoming increasingly more available, and most car manufacturers are building and selling an EV option, ranging from sports cars to pickup trucks. The US government currently provides a […]
New Retirement Plan Opportunities for 2025
As we head into 2025, several new changes to retirement plan rules could provide opportunities. The SECURE Act 2.0 and other regulatory updates bring new features to 401(k), 403(b), and 457 plans, […]
Inheriting an IRA Account
Inheriting assets can evoke a range of emotions; from the sorrow of losing a loved one to the joy of remembering their legacy. It can also bring frustration in administering an inherited […]
Understanding the Capital Gain Exclusion on Personal Residences
Homeownership is a primary goal for many Americans, which is why around two-thirds of homes in the US are owner-occupied. Not only do most American households own homes, but homes typically represent […]
Unlocking Your Retirement Account: Understanding Substantially Equal Periodic Payment (SEPP)
Have you reached financial independence but have continued to work until age 59.5 to avoid the 10% early withdrawal penalty? You shouldn’t feel trapped by IRS rules or accept a 10% penalty […]
A Guide to the Four Percent Withdrawal Rule
For most, planning for retirement starts with the question, “Have I saved up enough money to support me through retirement and the rest of my life?” The four percent withdrawal rule is […]
Navigating FAFSA and 529 Education Account Updates
Planning for college education costs is a complex, lengthy and likely, expensive endeavor. At first glance, the process seems simple; set aside money after a child is born, and then, after 18 […]
Managing Your Finances with Vantage Point: Budgeting Made Easy
In recent years, you probably noticed that the cost of everything, from groceries to plane tickets, has been rising. It is even more likely that you’ve heard newscasters, politicians, and your friends […]
The Building Block of Your Financial Plan
Have you ever wondered why we’re so obsessed with collecting data, from paycheck stubs to driver’s license copies? At times, data requests may seem relentless, but they’re more than just a hassle. […]