Don’t Overlook the Small Stuff

Q: Jeanne, recently wrote, “Dear Derek, I am looking to reduce my taxes at every turn. How can I avoid this 3.8% Obamacare Tax, which is also called the Net

September 16, 2020

Thinking “Outside the Box” to Reduce Your Taxes

Q: Tom asks via Facebook, “Dear Derek, now that my spouse has passed away, I suddenly find myself in the highest federal income and capital gain tax brackets? Could a mix of Oil and

September 8, 2020

Income Planning

Variable Annuities: Which end is Which?

Q: Geraldine asked this about her non-qualified variable annuity income. “Dear Derek: How do I know what portion of my annual income from this annuity is being taxed properly? A: Great question, Geraldine!

September 8, 2020

Tax Mitigation

Taxes in a Biden Administration: What you need to Know Now.

Q: Ross asked, “What financial and tax policy considerations should I be planning for if Joe Biden became President in November?” A: Ross, this has been one of the most

September 2, 2020

When is the best time to go cherry picking?

Q: Ed asks, “This year my accounts have grown substantially. Should I harvest my gains now or later? A: Ed, that is a wise question. Gain harvesting is a great

August 26, 2020

Rinse, Wash, Repeat…

Q: Nancy asks, “Derek, how does a “Wash Sale” and why would I complete such a transaction?” A: Nancy, what a timely question as markets have surged since March? A

August 26, 2020

Income Planning

What is NUA?: Net Unrealized Appreciation Explained

If your 401k or holds company stock, you may be able to take advantage of little known tax-saving opportunity called net unrealized appreciation or (NUA)[1]. The strategy begins with you

February 27, 2020

Transferring in-kind can be an alternative tax-saving RMD technique

Please remember your RMD does not have to be in cash. You can strategically transfer shares from your qualified accounts to your taxable accounts. Simply be sure that the value

February 3, 2020

Tax Mitigation

The Benefit of Younger Spouses and Table II

If your spouse is ten years your junior, you may want to double-check your tax preparer’s or financial advisor’s calculation when you are reviewing your annual RMD. If he or

January 6, 2020

Tax Mitigation

As a Retiree, and now, consultant, how can I mitigate or reduce my RMD tax liability?

Good news exists for those that have significant income in excess of $100,000 from consulting or other outside business interests annually and may be working as industry consultants. Post-retirement consulting

October 20, 2019

Financial Advisor News

Build your financial knowledge with our Financial Advisory Blog

Don’t Overlook the Small Stuff

Thinking “Outside the Box” to Reduce Your Taxes

Variable Annuities: Which end is Which?

Taxes in a Biden Administration: What you need to Know Now.

When is the best time to go cherry picking?

Rinse, Wash, Repeat…

What is NUA?: Net Unrealized Appreciation Explained

Transferring in-kind can be an alternative tax-saving RMD technique

The Benefit of Younger Spouses and Table II

As a Retiree, and now, consultant, how can I mitigate or reduce my RMD tax liability?

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Derek A. Miser, NSSA

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