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Our Two Cents

The financial planning landscape can be pretty confusing.  Not only is it difficult to figure out who has your best interests in mind (as the debate over the fiduciary standard is pretty confusing), but it’s also difficult to figure out who is in the business of EARNING their fee, vice collecting it.  I believe in transparency and always acting in the best interests of my clients. 

How does the new tax law affect my home mortgage interest deduction?  Thumbnail

How does the new tax law affect my home mortgage interest deduction?

Taking out a home equity line to pay down credit cards -- expect that to be a thing of the past. It might take some time for the IRS to come out with clear guidance on what records they expect taxpayers to keep. However, TCJA does make it clear that any mortgage interest is expect to meet the definition of home acquisition debt: to buy, build, or substantially improve a primary or secondary residence.

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How Does the New Tax Law Affect My Deductions? Thumbnail

How Does the New Tax Law Affect My Deductions?

In 2017, Congress passed the Tax Cuts & Jobs Act (TCJA), which represents the largest tax reform since the 1980s. This reform is so wide-sweeping that it affects virtually everyone, usually in more ways than one. Given that, it’s difficult for many people to figure out whether they’re better off or worse off than before.

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How Does the New Tax Law Affect Parents? Thumbnail

How Does the New Tax Law Affect Parents?

By eliminating personal exemptions, and increasing the child tax credit as an offset, TCJA does appear to make this part of the tax code a little simpler. But does it make it better for everyone? Without regard to the impact on the rest of their tax situation, most taxpayers will probably be no worse off by trading their personal exemptions for an increased child tax credit.

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The Soldier Who Fell Through The Cracks

It was a younger person, wearing a current uniform. He looked like he could have just graduated boot camp, or more likely, just come home from Iraq or Afghanistan. I also noticed that he wasn’t covered, and he looked a little disoriented.

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What Does Government Cheese Taste Like? Thumbnail

What Does Government Cheese Taste Like?

The military, for all its faults, is society's last bastion of truly equitable, merit-based distribution. Regardless of branch, anyone who enlists starts at the same place: the bottom. And for someone like Robert, the bottom's not a bad place to be.

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