by Chad Gammon | Jun 16, 2026 | Tax Strategy, Retirement Planning
If you are 65 or older and still doing Roth conversions without accounting for the new senior deduction, you may be leaving thousands of dollars on the table, or worse, paying far more tax than you realize. The One Big Beautiful Bill Act (OBBBA), signed into law in...
by Chad Gammon | May 22, 2026 | Estate Planning, Retirement Planning
Most people don’t think much about how Social Security benefits actually get paid, until a family member can no longer manage money on their own. That’s where representative payees come in, and it’s a topic worth understanding before you’re in...
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and still planning around the assumption that the state will tax your pension and IRA withdrawals, your plan may be out of date.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...
