Articles by Jack Cintorino
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How High Earners Can Explore Roth IRA Benefits Through a Backdoor Roth
The tax advantages of a Roth IRA can be compelling, but income limits may prevent higher-earning investors from contributing directly. A Backdoor Roth IRA strategy may provide another path.
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Retirement Planning: The Expense You May Be Overlooking
While investment returns play an important role in retirement, cash flow is a key factor in determining whether your retirement plan is sustainable. Taking a thoughtful, forward-looking approach with these steps may help you better understand and manage the risks of underestimating your retirement expenses.
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Is Market Volatility an Opportunity for a Roth IRA Conversion?
Periods of market volatility—driven by factors such as persistent inflation concerns, geopolitical uncertainty, and shifting monetary policy—often prompt investors to reassess their long-term strategies. For retirement savers with a traditional IRA, one common question arises: Is this a good time to consider a Roth IRA conversion?
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How to Prepare Financially for Medicaid and Preserve Wealth
Medicaid, a joint federal and state health care program, is often used by retirees to cover medical and long-term care costs. Here are some strategies to consider before you apply, to help protect assets.
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9 Considerations for 2025 Year-End Tax Planning
As the end of 2025 approaches, it’s a good time to implement strategic tax planning to minimize your tax liability, maximize savings, and get on track for 2026.
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Evaluating Your College Savings Withdrawal Strategy
Your child has been accepted into college! Now it’s time to develop a strategy to tap those funds you’ve been saving all these years to pay for the cost of higher education. What’s the best way to accomplish that?
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Which Programs Should You Consider to Cover Health Care Costs?
With health care fees climbing, identifying a few ways to help meet those surging costs may provide you with peace of mind.
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Restructuring Your Assets to Qualify for Medicaid
Medicaid eligibility is exceedingly complex. This article explains the income and asset restrictions and the estate planning strategies to consider restructuring your assets so you can potentially qualify for this benefit.
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Why Proper Account Titling Is Vital for Your Estate Plan
The way your assets are distributed into accounts, and, specifically, the way those accounts are titled, can directly affect your estate plan.
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Choosing a Corporate Trustee
You've decided that a trust will help you accomplish your financial goals. Is a corporate trustee right for you?
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The Importance of “What if” Planning
There is a basic rule that applies to personal finance: plan ahead. But “what if” planning can provide security and preparedness when the unexpected occurs.
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Making a Charitable Gift? Consider a QCD
If you are planning to make a charitable gift, it’s important to ensure you distribute the funds in a manner that is tax-efficient and aligns with your needs and goals. Explore whether a Qualified Charitable Distribution (QCD) could be a fit for your charitable donation.
