Featured Blog
Flat Fee Financial Advisors for Planning and Investment Management
We are excited to announce that Arnold & Mote Wealth Management is now a flat-fee financial advisor. Our clients have one flat fee, billed monthly or quarterly, for both financial planning and investment management services. That fee does not change
Medicare IRMAA FAQs – Tax Deductions, Duration, and How to Pay
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What is a 457 Plan? Features and Tax Benefits of a Deferred Compensation Account
A 457 retirement plan may be available to you if you work for a state or local government, or a non profit organization. You may have been notified if an
Should I Sell My I Bonds? What to consider before redeeming series I savings bonds
I Bonds exploded in popularity in 2022. Now, as inflation comes down, many are wondering if they should sell their I bonds. How long should you continue to hold onto
Qualified Charitable Distributions – What Are QCDs and How Do They Work?
Qualified charitable distributions, or QCDs, are almost always the most tax efficient ways to give to charity. However, they are only available for those of a specific age, and with
How are Annuities Taxed?
Understanding how annuities are taxed, and specifically how they fit into a tax-efficient retirement withdrawal plan, is a common pain point with many people we talk to. The tax rules
How Long Do Kids Stay Dependents?
The federal government allows you to claim dependent children until they are 19. This age limit is extended to 24 if they attend college.
How to Avoid the IRMAA Surcharge and Pay Less for Medicare
IRMAA, or Medicare’s Income-Related Monthly Adjustment Amount is an extra fee that is added to your monthly Medicare premium. What is the calculation for IRMAA surcharge and how can you avoid it?
Solo 401k vs SEP vs SIMPLE IRAs – Best Small Business Retirement Plans
If you have a small business and are looking to save in a tax advantaged way for retirement, there are a lot of options for retirement plans. The 3 most
Lump Sum Pension Buyout Offers – What to Know Before Cashing Out
Companies offer lump sum payouts for pensions to limit their long term liability. You may also have the ability to cash out your pension if your leave your job. If
Secure Act 2.0 – New RMD Ages, 529 to Roth Transfers, Roth Requirements
A new bill has resulted in many changes to retirement planning. RMD ages are changing, 529 accounts may not be rolled into Roth IRAs, you may be required to save