Blog
The Sequence Question
Which retirement account you tap first — and whether you convert along the way — quietly determines your lifetime tax bill and what you leave behind. A retired couple sits down at our conference table with $1.5 million spread across...
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You’ve Heard of the Backdoor Roth. But What About the Mega?
Two strategies that quietly let high earners build tax-free retirement money — and one of them is dramatically bigger than the other. If you earn too much to contribute directly to a Roth IRA, you’ve probably hit a frustrating wall...
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When There’s Money Left in the 529
Our daughter was born last Thursday. I had a whole introduction written about the dilemma every new parent faces when funding education savings. Reading it back at 3 a.m. with a newborn on my chest, it sounded like something written by...
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Donor Advised Funds: Give More, Pay Less in Taxes
If you give to charities, churches, community organizations, schools, or causes you care about, a Donor Advised Fund may be the most tax-efficient tool you're not using. We work with many clients on the Chicago North Shore who are...
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