Tax Planning Insights, Financial Planning Considerations, and Market Perspectives
Tax Planning Insights
The OBBBA introduced major tax and planning changes, and many could impact you and your financial plan. To help make sense of it all, the checklist below breaks things down and highlights what to pay attention to.
Inside you’ll find:
- New deductions that don’t require itemizing
- Updated tax credits and income thresholds
- Changes to student loans and increased flexibility with 529 plans
- Key planning considerations, including estate and gift tax updates
Take a look and let me know if you’d like to talk it through.
Financial Planning Considerations
Medicare Enrollment: What Clients Need to Know
Enrolling in Medicare can be a complex process, especially with today’s changing rules and multiple coverage options. It’s important for clients approaching age 65—or those working past 65—to understand their enrollment periods, the impact of employer coverage, and the choices between Original Medicare, Medigap, and Medicare Advantage plans.
Key Tip: Missing critical enrollment windows can result in lifetime penalties or gaps in coverage.
There are several resources linked below to help you navigate the process and answer questions you may have.
Market Perspectives
Are We in a Bubble? A Closer Look at Market Cycles
The term “bubble” gets thrown around frequently in financial conversations, but what does it really mean—and how should investors respond? Market cycles and changing perceptions of risk are a natural part of investing. While history offers dramatic examples like the dot-com and housing bubbles, there are just as many times when fears of a bubble never materialized.
Curious about the difference between bubbles and ordinary market setbacks?
Read our full commentary for insights and actionable guidance.
