Hidden Value: Roth IRA Conversions, How Much Is Too Much?

Hidden Value is a column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he highlights the importance of evaluating Medicare surcharges and beneficiaries' future tax brackets when considering a Roth conversion. 

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Posted in Joe Elsasser, Hidden Value, ThinkAdvisor, Tax Law, Taxes, Tax

Hidden Value: Think You Know the Capital Gains Tax Rate? Think Again.

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he discusses the common belief that the tax rate is 15% on capital gains, and how the tiered bracket structure of qualified dividends and long-term capital gains can actually create some unique opportunities.

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Tax

Hidden Value: 4 Ways Advisors Can Support Clients With Dementia

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he offers suggestions for financial advisors who may be advising an elderly client in the early stages of dementia. Advisors can do a few things to make this difficult situation easier and add additional value to their most vulnerable clients. 

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Posted in Hidden Value, Joe Elsasser, ThinkAdvisor, Clients, financial advisor

Hidden Value: Beware the Social Security Tax Torpedo

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week he discusses how combinations of different retirement incomes can create ugly distortions in tax rates. 

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Taxes, Retirement, Tax Clarity

Hidden Value: How to Help Retirees Pick the Right Life Insurance

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week Joe tackles how to help clients pick the right life insurance. 

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Posted in ThinkAdvisor, Hidden Value, Joe Elsasser, Retirement, life insurance

Hidden Value: How do you compare two financial plans?

Hidden Value is a new column in ThinkAdvisor where Joe Elsasser, CFP®, answers common questions with insights advisors and their clients may not have considered. This week Joe tackles how to compare two financial plans. 

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Posted in ThinkAdvisor, Joe Elsasser, Hidden Value, Financial Planning