by Chad Gammon | May 3, 2026 | Retirement Planning, Investments
If you have access to a Health Savings Account, you may already know it helps cover medical expenses tax-free. But here is something a lot of people miss: the HSA is quietly one of the most powerful retirement savings tools available, and most people are not using it...
by Chad Gammon | Mar 7, 2026 | Estate Planning
As you think about helping family or funding education before December 31, here is a simple guide to what you can give in 2026 and when you may need to file a return. Key Numbers: The Annual Gift Exclusion The foundation of tax-free giving is the Annual Gift...
by Chad Gammon | Mar 1, 2026 | Tax Strategy, Retirement Planning
If you are approaching retirement in Iowa and still planning around the assumption that the state will tax your pension and IRA withdrawals, your plan may be out of date. Iowa does not tax most retirement income for residents who qualify for the state’s retirement...
by Chad Gammon | Feb 2, 2026 | Personal Finance, Retirement Planning, Tax Strategy
Trump Accounts represent one of the newest investment vehicles available to American families, created under the One Big Beautiful Bill Act of 2025. These accounts combine features of traditional IRAs with long-term savings goals specifically designed for children....
by Chad Gammon | Jan 20, 2026 | Insurance, Retirement Planning
Many people assume life insurance is something you need only while you are working. As retirement approaches, a common question comes up. Do I still need life insurance once I stop earning a paycheck? The answer depends on why the coverage exists and how it fits into...
