Articles by Jack Cintorino

  • Should I Convert From a Traditional IRA to a Roth IRA in a Volatile Market?

    Soaring inflation, interest rate hikes, and the war in Ukraine have led to ongoing stock market volatility. Retirement savers may be wondering, “Is now a good time to convert to a Roth IRA?”

  • Consider a backdoor Roth if you make too much to contribute to a Roth IRA

    While the tax advantages of a Roth IRA can be very enticing, the account has income limits which may exclude you from being eligible to contribute to this type of retirement savings account. But, have you considered a Backdoor Roth?

  • 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. This article explores the importance of proper account titling and its impact on your estate plan.

  • Choosing a corporate trustee

    If you have determined that setting up a trust will help you accomplish your financial goals, the next step includes choosing your trustee—and if you choose a corporate trustee—deciding what capacity you want this trustee to serve.

  • Looking for an alternative to a stretch IRA? Consider life insurance

    Since the passing of the SECURE Act, the opportunity to "stretch your IRA" is limited to for most people. Here's the strategy that may replace this tax-efficient solution.

  • Restructuring your assets to qualify for Medicaid

    While Medicaid was originally established to provide additional medical insurance coverage—to supplement that of the Medicare program—for those with lower income or disabilities, there are many layers to this benefit. This article can help you understand the income and asset restrictions, and consider estate planning strategies to restructure your assets to potentially qualify for Medicaid

  • Health Care And Asset Protection In Retirement

    It is said that it is harder to get through retirement than it is to get to retirement.

  • 7 Strategies to Consider Before Applying for Medicaid

    Many retirees use Medicaid, a joint federal and state health care program, to cover medical and long-term care costs. Here are some strategies to consider before you apply.

  • Which Programs Should You Consider To Cover Health Care Costs?

    It is said that it’s harder to get through retirement than it is to get to retirement.

  • Making a charitable gift? Consider a QCD

    Making a charitable donation is a commendable act and a great way to carry out your legacy, supporting a cause that is near and dear to you. 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 Qualified Charitable Distributions (QCDs) could be a fit for your charitable donation.

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