Wealth Management Topics Planning For Your Future Taxes/IRAs Required Minimum Distribution Rules for Non-Eligible Designated BeneficiariesConflicting Views of the New 10-Year RuleExpansion of Health Insurance Premium Tax CreditPremium Tax Credit EligibilityAmerican Rescue Plan ActAn Overview of the Tax-Related ProvisionsRetirement Plan Benefit and Contribution Limits 2021Maximum Contribution Limits and Thresholds for Important Retirement Plan ParametersYear-End Tax and Financial Planning IdeasUpcoming Election, Potential Change in Tax PolicyYear-End Tax Planning ChecklistTax Planning Strategies to Consider Coronavirus-Related DistributionsCARES Act Allows Tax-Favored Treatment for IRA Owners Adversely Affected2020 Tax FactsTax Rates, Brackets and Limits2020 IRA Rollover FlowchartImpact of the Most Recent Updates to CARES ActSAMPLE Tax Analysis Review2019 Income Tax Review for AVERAGE Income ClientSAMPLE Tax Analysis Review2019 Income Tax Review for HIGH INCOME ClientSAMPLE Tax Analysis Review2019 Income Tax Review for LOW INCOME ClientSAMPLE Roth Conversion Tax AnalysisVarying Assumptions and ScenariosSAMPLE Capital Gains Tax AnalysisVarying Assumptions and Scenarios Tax Treatment of Bond Premium and DiscountSummary ChartBuying Bonds Above or Below Par Value Creates a Variety of Tax IssuesCapital Loss Limitations and CarryoversTaxpayer Relief for Capital Losses Realized on Taxable InvestmentsCapital Gain Exclusion from Sale of ResidenceLaw Change Reduced Record Keeping RequirementsROTH IRA ConversionsAdvantages and ConsiderationsROTH Conversions Down MarketMitigate Taxes in RetirementTax Loss HarvestingOne Upside to the Decline in the MarketsWash SalesLoss on the Sale of Stock can be Disallowed1031 ExchangeLike-Kind Exchange is a Tax-Deferral Strategy used by Real Estate InvestorsKiddie TaxIncome Thresholds and Tax RatesReal Estate in Your IRAPossible but Not Suitable for EveryoneInheriting a Roth IRAOptions for Receiving ProceedsPremium Tax CreditLower Income: Health Insurance more AffordableTraditional and Roth IRA Overview - 2021Main Differences and Similarities Estates Estate Planning and Aging ChecklistImportant Topics to Discuss with your Adult Children and Aging ParentsWealth Transfer Planning Opportunities in a Low interest Rate EnvironmentLow Interest Rates, Depressed Asset Values, Historically High Estate Tax ExemptionsWealth Transfer Planning Maximizing the BenefitPositioning Assets to Pass to Heirs in a Tax-Efficient Manner, Either During Lifetime or Upon PassingLoss of a Loved One ChecklistCoordinated Stages with Steps and ResourcesEstate Planning ChecklistImportant Documents and Materials Personal Information GuideGather All Personal and Financial Information into a Single DocumentEstate Planning Under the SECURE ActLoss of Stretch RMD for Non-Spousal BeneficiariesQualified DisclaimersTransfers Property Otherwise Passing to the "Disclaimant"Qualified Personal Residence Trust (QPRT)One of the Best Estate Planning Strategies Available to Higher Net Worth FamiliesDurable Power of Attorney (POA)How They Work and Why You Need OneEstate Planning BasicsBasic Components and Other Planning StepsSpecial Needs TrustCoordinating Government Benefits with Family ResourcesWills in Estate PlanningThe Most Basic Tool of Estate PlanningCharitable Remainder TrustsHow Charitable Remainder Trusts WorkTransfer on Death (TOD)Summary of TOD Agreements and the BenefitsState Death TaxesState by State Breakdown of Estate and Inheritance TaxesChoosing a TrusteeTo Manage Your Legacy Basic Credit Shelter Planning for Married CouplesThe A/B Trust is the Choice for Wealthier CouplesTo 'B' or Not to 'B'Whether to Use Portability Instead of a Credit Shelter/B TrustJoint Account TitlingA Well-Crafted Estate Plan can be Undone by Improper Titling of AssetsCharitable Lead TrustFAQNaming a Trust as an IRA BeneficiaryWhen to Do It and What is RequiredIrrevocable Life Insurance TrustAllows Trust Proceeds to Pass to Beneficiaries UntaxedEstate Plan Review - EliteGuideline only: Net Worth > $10M , Expecting Large Inheritances, or Own a Businesses to SellEstate Plan Review - ComprehensiveGuideline only: Net Worth $5-$10MEstate Plan Review - SummaryGuideline only: Net Worth < $5MGrantor Retained Annuity Trusts (GRAT)Why Now May Be the Time to Consider this StrategySpousal Lifetime Access Trust (SLAT)Election Impact on Estate Laws and the Current Tax Exemption of $11.58 Million per Individual reducing to $5 Million on January 1, 2026Gifting Techniques for Individuals and Families3 Basic Options to Make Tax-Free Gifts Education Using Roth IRAs for CollegeAdvantages and DisadvantagesPrepaid 529 Plan BasicsAdvantages and Disadvantages529s and the Gap YearUsing 529s to Pay for a Gap Year529s Maximize Your Gifting OpportunitiesUnique Accelerated Gifting FeatureEducation PlanningChecklist529 Savings PlansState Impact of Federal Tax ReformFAFSA ChecklistInformation Needed to Successfully Complete FAFSA FormBack to School During COVIDReassessing your Education Funding GoalsRepaying Your Student LoansRepaying Your Federal Student Loans529 Distribution PlanningThings to Consider Before Taking a Withdrawal From Your 529 College Savings PlanCoverdell BasicsEducation Savings AccountCoverdell Education Savings AccountAdvantages and Disadvantages to Consider529 Plan FAQsEducation PlanningFinancial Aid OrderWhich Financial Aid is Best to Accept First?Financial Aid TypesGrants, Loans, ScholarshipsQualifying for Financial AidUnderstanding the Cost of Attendance and the Expected Family ContributionEducation Funding and DivorceImportant Questions to Answer During a DivorceCustodial Account BasicsUTMA and UGMA vs. 529Custodial Accounts (UTMA/UGMA)Age of TerminationAdvisor 529 vs. Direct 529With 100+ Plans to Choose From, Which is Right for You?529 State Tax DeductionsTax Benefits vary by State, But There's More to ConsiderHow Covid-19 May Be Impacting Your Education PlanThe Most Important Changes To Be Aware Of 529 College Savings PlansThe Benefits of Accelerated GiftingGive the Gift of EducationConsider the Benefits of a 529Education Savings Options3 Most Popular Investment Vehicles529 Saving for Multiple ChildrenHow to Effectively Save529 College Savings Plans - Tax Season 2020!2020 Tax Year FAQ Financial Planning 10 Financial Resolutions for Young AdultsStrategies to Get Your Finances in OrderPaying for Healthcare When Retiring Early3 Options to ConsiderTaking Advantage of the SECURE ActHow the New Law Impacts Your IRA and Other ChangesIRAs to Convert or not to Convert?Should You Consider a Roth?Retirement Planning at Your First JobPlanning Starts Here5 Strategies for Paying Off Credit Card DebtKey TakeawaysMarriagePlanning ChecklistGrowing FamilyPlanning ChecklistNew Grad | New to the WorkforcePlanning Checklist10 Mistakes that Can Undermine Retirement SavingsTake Note of the Common MistakesRetirement Savings IllustrationSaving Early is VitalPlanning Opportunities in a Volatile Market and Low Interest Rate EnvironmentA Deeper Dive into Financial and Estate Planning ConsiderationsFinancial Planning and COVID-19The Impact to Taxes, Student Loans and Social SecurityROTH IRA ConversionsAdvantages and ConsiderationsROTH IRA Conversion StrategyPlanning Opportunities & the Pro Rata RuleROTH IRA Conversions of After-Tax Retirement Plan FundsAfter-Tax Contributions to an Employer Retirement Plan can be Separated at Distribution and Converted to a Roth IRA tax-freeSmart Debt ManagementSix Tips for Keeping Your Debt in CheckEarly Withdrawal Strategy Using 72(t)From Retirement Accounts Without the 10% PenaltyChoosing the Most Appropriate Pension DistributionCommon Options, Pros and ConsUnderstanding the Key Risks in RetirementNothing Unfamiliar but the Impact May Be Much GreaterHealth Savings AccountsUnique Strategy to Offset the Rising Costs of Health CareLongevity RiskToll on Retirement Income PlanningAnnual Best PracticesSaving for RetirementThreats to Retirement Planning5 Unexpected Threats to a Well-Planned Retirement New Laws & Amendments Consolidated Appropriations Act 2021Another Coronavirus Relief Package Passed2020 IRA Rollover FlowchartImpact of the Most Recent Updates to CARES ActHighlights of the CARES ActCoronavirus Aid, Relief and Economic Security ActHighlights of the CARES Act8 Key Aspects Small Business Owner Solutions Under COVID-19The CARES Act, Introduced in Response to the COVID-19 PandemicHighlights of the SECURE Act Retirement Savers and Beneficiary Designation ComplexitiesCoronavirus Related DistributionsA New Source of Cash for Those Impacted by COVID-1960-Day Rollover RuleStrategies to Consider in Response to the CARES ActIRS Notice 2020-51Rollover Relief for Required Minimum Distributions Waived Under the CARES Act Charitable Giving Charitable Giving in 2020 & 2021Charitable Organizations Need More Help Than EverRules for Deducting Charitable GiftsDocumentation Requirements Vary Based on Size and Type of Gift Charitable Income Tax Deduction Ordering RulesFor those making Multiple Types of GiftsCharitable Remainder TrustsHow Charitable Remainder Trusts WorkPhilanthropy - Charitable Giving For Us AllWays to Gift for Impact While Being Mindful of Tax ConsequencesPlanned Giving ComparisonAppropriate Entity for Your Personal and Charitable GoalsDonor Advised FundsGrant-Making and Tax Benefits of a Private Foundation, but Without Administrative BurdenEight Tips for Deducting Charitable ContributionsEnsure Your Contributions Pay Off on Your Tax ReturnCharitable Endowment FundsGifting with a PurposeQualified Charitable DistributionsDirect Gifts from IRAs can Provide Additional Tax Benefits Executive Benefits How Does Equity Compensation Fit Into Your Financial Plan?When To Start PlanningSAMPLE Stock Option AnalysisRequired InformationBaird Clients Receive a Complimentary AnalysisTax Treatment of Restricted Stock Units (RSUs)RSUs Reward Key Employees but Require Tax ExplanationStock Option SwapAcquire Company Shares Without Use of CashRestricted Stock Unit BasicsFAQExercising Your Stock Options Through BairdLearn the Varying Methods and FAQ Rule 10b5-1 Trading PlansSell Stock Without Regard to Limitations Imposed by Insider Trading Policies While Complying With SEC RegulationsRule 10b5-1 Purchase PlansOpportunities for Executives to Purchase Company StockEmployee Stock Purchase PlansTax ConsequencesMethod of Stock Option ExerciseExercise and Hold Small Business A Big Decision For Small BusinessesIdentifying the Right Retirement PlanSmall Business Owner Solutions Under COVID-19Economic Relief to Affected Small Business OwnersBusiness Loans Under the CARES ActNow is the Time to ActSimplified Employee Pension SEP IRA 2020Low Cost Alternative to a Profit Sharing PlanRetirement Plan Contribution Limits 2021Limits and Thresholds 2021Exit PlanningYou've Built a Great Company, Now What?Business Continuation AgreementsTwo Popular Type of Buy-Sell ArrangementsTax Credit for Small EmployerRetirement Plan Startup CostsBusiness Owner Solutions OverviewBusiness Transitions, Value and Marketability Assessment, Mergers and AcquisitionsKey Person Life InsuranceIs Your Business Prepared for a Loss?Case StudyHelping Business Owner Clients with Baird's Full Capabilities Identity Protection Protecting Your IdentityTips on Keeping Your Personal Information Secure, Plus What to do if you are HackedCybersecurityThe Role You PlayPersonal Email Compromise GuidanceSteps to Take If Your Personal Email has been CompromisedSecurity Information You Need to KnowHow Baird Protects YouInfoArmorBaird's Proprietary Technology SolutionsDark WebWhat Is It? PrivacyArmor Can Help Divorce How to Prepare For Financial Impact of DivorceFinancial Planning Considerations and Important Steps to Protect Financial Well-BeingDivorce ChecklistImportant Considerations for Those Affected by a Separation Investing Unpacking What It Means To Be a FiduciaryIs Fiduciary Only Limiting Your Choices?Putting Investment Eggs in Multiple BasketsHow Diversifying Your Portfolio Can Increase ReturnsGetting Ahead of the CurveHow Bond Investors Can Take Advantage of Rising Interest RatesDoes Diversification Still Work?Investing is About Looking ForwardDifficulty in Calling Market TopWhat to Do When the Market is at All Time HighMarket Selloff a Good Thing?Minor Corrections are Normal and HealthyBuilding Portfolios for Volatile TimesActive Managers Protect on theDownsideDiversificationThe "Free Lunch" of Portfolio BuildingHow to Deal with Inevitable VolatilityMarket Corrections are a Natural and Necessary Staying the CourseFocusing on Day-to-Day Misses Larger TrendsThe Dangers of Portfolio TinkeringTweaking Portfolio Leads to Lower ReturnsSequence of Returns RiskReceiving Lower or Negative Returns When Withdrawals Are MadeFinancial Planning in a Volatile MarketSpecific to Goals, Timeline and Asset AllocationRebalancing Your PortfolioProper Allocation and Why It's ImportantRisk Profile AnalysisSAMPLE Client Questionnaire for Risk Tolerance with ScoringInvestment Policy ElementsObjectives, Goals, Guidelines for Management of Your Portfolio Medicare Cost of MedicareVarious Scenarios, Enrollment Periods and Varying AspectsA Guide to Understanding MedicareComprehensive Overview of Key ComponentsMedicaid PlanningA Two-Tiered Test to Receiving Financial AssistanceUnderstanding Medicare Advantage and Drug PlanOverview of Parts C and DMedicare & You 2021The Official U.S. Government Medicare HandbookMedicare ResourcesInformation and Links to Useful Tools and ResourcesQuestions to Ask Before Joining Medicare AdvantageMedicare Advantage vs. Original MedicareMedicare Decisions Working 65+Important ConsiderationsMedicare Advantage PlansAlternative Option and What's Appropriate for YouMedicare Supplement PoliciesCritical coverage for Parts A & B Social Security SAMPLE Social Security Break-Even AnalysisEarly vs. Delayed Claiming of BenefitsSocial Security Trustees Annual ReportHighlights and a Temporary Surplus Social Security Administration ResourcesOnline Planning ToolsSocial Security Options for Spouses, Widows, Ex-SpousesClaiming Options and Planning StrategiesSocial Security Survivor BenefitsBenefits in Time of NeedSocial Security Planning StrategiesWhen to File, How to MaximizeSocial Security Offsets Windfall Elimination & Government PensionRules for Benefit ReductionsTaxation of Social Security BenefitsHow Benefits are Taxed, MAGI Breakpoints and PercentagesSocial Security While WorkingUnder Full Retirement Age Receiving Social Security Benefits on the Work Record of AnotherRules for Receiving Spousal Benefits, Divorced Spousal Benefits, Survivor’s/Widow’s Benefits, Divorced Survivor’s/Widow’s Benefits, and Child’s BenefitDetermining Social Security Benefit AmountIncluding Family MaximumSocial Security Eligibility RequirementsIncluding Retirement, Spousal, Survivor and Divorced-SpouseComplete Social Security GuideComprehensive Guide on How Social Security Works and Maximization Strategies Long-Term Care Long Term Care FactorsFour Factors to ConsiderLong Term Care ProductsThree Product ChoicesLong Term Care InsuranceHow it WorksA Beginners GuideBest Way to Save on Late-Life Medical Care? Act NowLong-Term Care Planning SolutionsLife with Rider, Hybrid Life/Long-Term Care, Traditional Insurance Health PartnershipBaird Clients Have Access to Licensed, Non commissioned Health Care AdvisorsHealth Summary ReportSAMPLE from Health PartnershipLife InsuranceTypes of ProductsLife Insurance SupplementalSupplemental Retirement Income Cash Management Cash Management Program by BairdOffering Convenience and Simplicity in One Easy-To-Use AccountProgram Rules & AwardsAward Points Program RulesCash SweepsBaird's Cash Sweeps ProgramSecurities Based LendingLiquidity Options that Keep Your Investment Portfolio in Tact Have a Question Name Email Address Phone Question Thank you! Oops!