Key Takeaways: Your cheapest tax years are the ones right around your last day of work. Once the paycheck stops but before your benefits and required withdrawals begin, your income
Key Takeaways: The number on your statement is not the amount you can spend. Between federal and state taxes and Medicare premiums, the cash that actually reaches your budget can
Key Takeaways: RMD planning starts before RMDs arrive. The strongest planning window often comes after work slows down and before required withdrawals, Social Security, pensions, and Medicare thresholds limit income
Key Takeaways: Tax diversification gives you more flexibility by creating multiple ways to generate retirement income. Where you save matters because the same retirement balance can create very different tax
Key Takeaways: Your final working years are a valuable window for tax planning. Income, savings, account balances, retirement timing, and future withdrawals are close enough to model. Review your income
Key Takeaways: Tax planning before retirement is about timing. The goal is to understand when income, deductions, gains, and withdrawals should happen so you can reduce tax friction before retirement
Key Takeaways: Roth conversions are a timing decision. Converting before retirement may help reduce future RMD pressure and create more tax-flexible income later, but only if the current tax cost
Paying the high cost of college requires a multi-pronged strategy. For most families, a 529 plan on its own is not enough to cover the out of pocket expense of
Once upon a time there were two families. Both families had well-paying jobs, and their children were bright hard-workers who were academically successful. They both knew they had serious things to pay for…college for the kids and retirement for themselves. How would they get it done?
Many college graduates are trying to pay off their student loans AND save for retirement. They are failing. Retirement is being put on hold while they focus on simply making
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Capstone Wealth Partners is a fee-only independent Registered Investment Advisor in Columbus, Ohio. We are financial planners for college-bound families.
The Capstone Blog offers up our best ideas on how to save and pay for college, all while staying on track for a confident retirement.
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