Hidden Value: Tax-Savvy Tactics for Retirement Cash Flow

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 takes a closer look at the tax implications and the hidden opportunities created through interactions between various cash sources. 

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

Hidden Value: How to Put the Brakes on Out-of-Control Spenders

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 discusses clients who overspend. Clients who overspend are among the most difficult clients to work with, however they arguably need your advice the most. In this week's column, Joe takes a closer look at the early warning signs and the best ways to combat overspending. 

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Posted in ThinkAdvisor, Hidden Value, financial advisor

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

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 Tax, Joe Elsasser, ThinkAdvisor, Hidden Value

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 Joe Elsasser, Clients, ThinkAdvisor, Hidden Value, 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 Retirement, Tax Clarity, Joe Elsasser, Taxes, ThinkAdvisor, Hidden Value

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 Retirement, Joe Elsasser, ThinkAdvisor, Hidden Value, 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 Financial Planning, Joe Elsasser, ThinkAdvisor, Hidden Value

ThinkAdvisor: A Major Shift is Coming in How Advisors Use Fintech

In a recent article for ThinkAdvisor, Covisum President, Joe Elsasser, CFP®, suggested that full integration will overtake open architecture as the theme of the next decade. 

When financial tech begins to provide full integration, it will enable greater efficiency and the ability to provide mass-customization processes in financial firms. Highly customized, quality advice will be more affordable to the mass affluent, while still adding value for the consumer.

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Posted in In The News, FinTech, Tech, Joe Elsasser, ThinkAdvisor

ThinkAdvisor: Covisum's Advisor and Quant Discuss the 4% Rule

Posted on July 05, 2018

In an ongoing series exclusive to ThinkAdvisor, Joe Elsasser, CFP® and Ron Piccinini, PhD provide readers with two distinct perspectives on the same topic. This week, we asked Joe and Ron to discuss, the 4% rule

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Posted in Joe Elsasser, Ron Piccinini, PhD, ThinkAdvisor, The Advisor & The Quant