Educational Insights

Our educational insights cover a variety of topics to help you better address your financial needs and implement your financial plan, with strategies and solutions that may help you meet your financial goals.

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

    Jack Cintorino August 26, 2024

    Soaring inflation and global conflict have led to ongoing stock market volatility. Retirement savers may be wondering, “Is now a good time to convert to a Roth IRA?”

  • Making a Charitable Gift? Consider a QCD

    Jack Cintorino August 5, 2024

    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.

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

    Jack Cintorino May 30, 2024

    With health care fees climbing, identifying a few ways to help meet those surging costs may provide you with peace of mind.

  • Health Care and Asset Protection in Retirement

    Jack Cintorino May 29, 2024

    Due to the rising cost of health care, it is said that it is harder to get through retirement than it is to get to retirement. Here are a few things to consider about covering health care costs in retirement while protecting assets.

  • 7 Strategies to Consider Before Applying for Medicaid

    Jack Cintorino May 17, 2024

    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.

  • Consider a Backdoor Roth if You Make Too Much to Contribute to a Roth IRA

    Jack Cintorino January 29, 2024

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

  • 9 Considerations for 2023 Year-End Tax Planning

    Jack Cintorino November 1, 2023

    In addition to the continued challenges brought on by inflation and rising prices, 2023 also saw new tax laws as well as anticipated changes in 2024 and beyond. This article examines what you should be aware of as you prepare for year-end tax planning.

  • Restructuring Your Assets to Qualify for Medicaid

    Jack Cintorino October 4, 2023

    Medicaid eligibility is exceedingly complex. This article explains the income and asset restrictions, and the estate planning strategies to consider to restructure your assets so you can potentially qualify for this benefit.

  • Why Proper Account Titling Is Vital for Your Estate Plan

    Jack Cintorino September 29, 2023

    The way your assets are distributed into accounts, and, specifically, the way those accounts are titled, can directly affect your estate plan.

  • Choosing a Corporate Trustee

    Jack Cintorino July 20, 2023

    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.


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