Articles by Jay Guyer

  • Navigating Wealth Through Employer Stock

    Employer stock has long been a popular way for employees, not just executives, to accumulate wealth. This article explores different ways to navigate employer stock when considering your overall financial picture.

  • Estate Planning for Procrastinators

    Sometimes a serious illness or health scare prompts people to take a hard look at their estate planning. Frequently, this is when the desire to minimize the impact of estate/inheritance taxes becomes a priority.

  • Do You Know How Organizing Your Business May Impact Your Exit Strategy?

    An old tax maxim holds that “the tax tail shouldn’t wag the dog.” However, it makes sense to be aware of various exit strategies when you’re starting a business.

  • Understanding Retirement Risks You Can & Cannot Control

    There are many aspects to consider when thinking about mitigating risk in retirement. Here are two categories we often recommend in order to shape the conversation around retirement income planning. But, remember, there are a number of other risks to consider and discuss with us at any time.

  • Trusteed IRAs Need to be Reviewed Under Post-Secure Act Rules

    One common estate planning technique for clients with large retirement plan balances is to designate a trust as the beneficiary of those accounts. However, those planning to use a trust or trusteed Individual Retirement Account (IRA) are encouraged to regularly take a fresh look at their plans as regulations are updated over time.

  • Selling your company to your employees

    If you’re starting to think about selling your small business to enable retirement, you may want to consider an employee stock option plan.

  • Protecting the value of your business for the next generation

    If you own a business, consider these planning strategies so the next generation of owners are prepared.

  • Planning for end-of-life costs with your legacy in mind

    Establishing an end-of-life health care plan can protect the value of your legacy.

  • Getting your company ready for sale

    Planning the retirement for a business owner is significantly more complicated than planning the retirement of an employee.

  • Discover the emotional and fiscal benefits of philanthropy

    Learn strategies for year-end gifts that can help reduce taxes come filing time.

  • Bits and Bytes in Your Estate Plan

    Technology has brought upon us a variety of conveniences and efficiencies— but have you thought about how it could affect your legacy and beneficiaries? This article explores the importance of a comprehensive estate plan, including your digital assets.

  • 5 common investment tax filing errors

    Senior Financial Planner Jay Guyer explains some common tax filing errors and how to avoid them.

  • Things to consider when selling a family business

    Selling a family business is a significant process that is impactful in numerous ways. It can represent the start of a well-deserved retirement and the culmination of years of work.

  • Don’t procrastinate - establish your will

    Establishing a will is certainly not a favorite undertaking for anyone, but it’s important. In fact, it’s one of the most important things to take care of that people commonly forget about, avoid, or procrastinate.

  • Which type of special needs trust is right for you?

    There are two types of Special Needs Trusts (SNTs): first-party and third-party SNTs. Which type makes the most sense for you to use depends upon whose property is funding the SNT.

  • Is your A/B trust arrangement still necessary?

    As a result of the American Taxpayer Relief Act of 2013, and more recently, the Tax Cuts & Jobs Act of 2018, most couples no longer need to be concerned about federal estate tax. However, if you established an A/B trust prior to 2010, you might want to take steps now to revoke the trust in order to avoid the unnecessary expense and hassle for your family.

  • Does your buy-sell agreement need a check-up?

    Life proves over and over that it is full of uncertainties.

  • Limit The Impact Of The Wash Sale Rule

    The wash-sale rule was designed to discourage investors from selling securities at a loss simply to claim a tax benefit. Here are various techniques to navigate around this rule

  • Tax Deferral Strategies For Employer Stock In A Qualified Retirement Plan

    If you participate in a 401(k), or other qualified retirement plan that lets you invest in your employer’s stock, consider the tax deferral opportunities of net unrealized appreciation.

  • Navigating your Medicare Options

    While outlasting your assets is a matter of disciplined saving and investing combined with the power of time, protecting your savings from health care costs requires you to make some careful choices based on a thorough understanding of Medicare—in particular, what it does and doesn’t cover.

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