Broker Check

Wealth Management Topics











Planning For Your Future

Taxes/IRAs

Required Minimum Distribution Rules for Non-Eligible Designated Beneficiaries

Conflicting Views of the New 10-Year Rule


Expansion of Health Insurance Premium Tax Credit

Premium Tax Credit Eligibility


American Rescue Plan Act

An Overview of the Tax-Related Provisions


Retirement Plan Benefit and Contribution Limits 2021

Maximum Contribution Limits and Thresholds for Important Retirement Plan Parameters


Year-End Tax and Financial Planning Ideas

Upcoming Election, Potential Change in Tax Policy


Year-End Tax Planning Checklist

Tax Planning Strategies to Consider 


Coronavirus-Related Distributions

CARES Act Allows Tax-Favored Treatment for IRA Owners Adversely Affected


2020 Tax Facts

Tax Rates, Brackets and Limits


2020 IRA Rollover Flowchart

Impact of the Most Recent Updates to CARES Act


SAMPLE Tax Analysis Review

2019 Income Tax Review for AVERAGE Income Client


SAMPLE Tax Analysis Review

2019 Income Tax Review for HIGH INCOME Client


SAMPLE Tax Analysis Review

2019 Income Tax Review for LOW INCOME Client


SAMPLE Roth Conversion Tax Analysis

Varying Assumptions and Scenarios


SAMPLE Capital Gains Tax Analysis

Varying Assumptions and Scenarios 


Tax Treatment of Bond Premium and Discount

Summary Chart

Buying Bonds Above or Below Par Value Creates a Variety of Tax Issues


Capital Loss Limitations and Carryovers

Taxpayer Relief for Capital Losses Realized on Taxable Investments


Capital Gain Exclusion from Sale of Residence

Law Change Reduced Record Keeping Requirements


ROTH IRA Conversions

Advantages and Considerations


ROTH Conversions Down Market

Mitigate Taxes in Retirement


Tax Loss Harvesting

One Upside to the Decline in the Markets


Wash Sales

Loss on the Sale of Stock can be Disallowed


1031 Exchange

Like-Kind Exchange is a Tax-Deferral Strategy used by Real Estate Investors


Kiddie Tax

Income Thresholds and Tax Rates


Real Estate in Your IRA

Possible but Not Suitable for Everyone


Inheriting a ROTH IRA

Options for Receiving Proceeds


Premium Tax Credit

Lower Income: Health Insurance more Affordable


Estates

Estate Planning and Aging Checklist

Important Topics to Discuss with your Adult Children and Aging Parents


Wealth Transfer Planning Opportunities in a Low interest Rate Environment

Low Interest Rates, Depressed Asset Values, Historically High Estate Tax Exemptions


Wealth Transfer Planning Maximizing the Benefit

Positioning Assets to Pass to Heirs in a Tax-Efficient Manner, Either During Lifetime or Upon Passing


Loss of a Loved One Checklist

Coordinated Stages with Steps and Resources


Estate Planning Checklist

Important Documents and Materials 


Personal Information Guide

Gather All Personal and Financial Information into a Single Document


Estate Planning Under the SECURE Act

Loss of Stretch RMD for Non-Spousal Beneficiaries


Qualified Disclaimers

Transfers Property Otherwise Passing to the "Disclaimant"


Qualified Personal Residence Trust (QPRT)

One of the Best Estate Planning Strategies Available to Higher Net Worth Families


Durable Power of Attorney (POA)

How They Work and Why You Need One


Estate Planning Basics

Basic Components and Other Planning Steps


Special Needs Trust

Coordinating Government Benefits with Family Resources


Wills in Estate Planning

The Most Basic Tool of Estate Planning


Charitable Remainder Trusts

How Charitable Remainder Trusts Work


Transfer on Death (TOD)

Summary of TOD Agreements and the Benefits


State Death Taxes

State by State Breakdown of Estate and Inheritance Taxes


Choosing a Trustee

To Manage Your Legacy 


Basic Credit Shelter Planning for Married Couples

The A/B Trust is the Choice for Wealthier Couples


To 'B' or Not to 'B'

Whether to Use Portability Instead of a Credit Shelter/B Trust


Joint Account Titling

A Well-Crafted Estate Plan can be Undone by Improper Titling of Assets


Charitable Lead Trust

FAQ


Naming a Trust as an IRA Beneficiary

When to Do It and What is Required


Irrevocable Life Insurance Trust

Allows Trust Proceeds to Pass to Beneficiaries Untaxed


Estate Plan Review - Elite

Guideline only: Net Worth > $10M , Expecting Large Inheritances, or Own a Businesses to Sell


Estate Plan Review - Comprehensive

Guideline only: Net Worth $5-$10M


Estate Plan Review - Summary

Guideline only: Net Worth < $5M


Grantor Retained Annuity Trusts (GRAT)

Why Now May Be the Time to Consider this Strategy


Spousal 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, 2026


Gifting Techniques for Individuals and Families

3 Basic Options to Make Tax-Free Gifts


Education

529s Maximize Your Gifting Opportunities

Unique Accelerated Gifting Feature


Education Planning

Checklist


529 Savings Plans

State Impact of Federal Tax Reform


FAFSA Checklist

Information Needed to Successfully Complete FAFSA Form


Back to School During COVID

Reassessing your Education Funding Goals


Repaying Your Student Loans

Repaying Your Federal Student Loans


529 Distribution Planning

Things to Consider Before Taking a Withdrawal From Your 529 College Savings Plan


Coverdell Basics

Education Savings Account


Coverdell Education Savings Accounts

Advantages and Disadvantages to Consider


529 Plan FAQs

Education Planning


Student Financial Aid

Which Financial Aid is Best to Accept First?


Financial Aid

Grants, Loans, Scholarships


Qualifying for Financial Aid

Understanding the Cost of Attendance and the Expected Family Contribution


Education Funding and Divorce

Important Questions to Answer During a Divorce


Custodial Account Basics

UTMA and UGMA vs. 529


Custodial Accounts (UTMA/UGMA)

Age of Termination


Advisor 529 vs. Direct 529

With 100+ Plans to Choose From, Which is Right for You?


529 State Tax Deductions

Tax Benefits vary by State, But There's More to Consider


How Covid-19 May Be Impacting Your Education Plan

The Most Important Changes To Be Aware Of 


529 College Savings Plans

The Benefits of Accelerated Gifting


Give the Gift of Education!

Consider the Benefits of a 529


Education Savings Options

3 Most Popular Investment Vehicles


529 Saving for Multiple Children

How to Effectively Save


529 College Savings Plans - Tax Season 2020!

2020 Tax Year FAQ


Financial Planning

Marriage

Planning Checklist


Growing Family

Planning Checklist


New Grad | New to the Workforce

Planning Checklist


10 Mistakes that Can Undermine Retirement Savings

Take Note of the Common Mistakes


Retirement Savings Illustration

Saving Early is Vital


Planning Opportunities in a Volatile Market and Low Interest Rate Environment

A Deeper Dive into Financial and Estate Planning Considerations


Financial Planning and COVID-19

The Impact to Taxes, Student Loans and Social Security


ROTH IRA Conversions

Advantages and Considerations


ROTH IRA Conversion Strategy

Planning Opportunities & the Pro Rata Rule


ROTH IRA Conversions of After-Tax Retirement Plan Funds

After-Tax Contributions to an Employer Retirement Plan can be Separated at Distribution and Converted to a Roth IRA tax-free


Smart Debt Management

Six Tips for Keeping Your Debt in Check


Early Withdrawal Strategy Using 72(t)

From Retirement Accounts Without the 10% Penalty


Choosing the Most Appropriate Pension Distribution

Common Options, Pros and Cons


Understanding the Key Risks in Retirement

Nothing Unfamiliar but the Impact May Be Much Greater


Health Savings Accounts

Unique Strategy to Offset the Rising Costs of Health Care


Longevity Risk

Toll on Retirement Income Planning


Annual Best Practices

Saving for Retirement


Threats to Retirement Planning

5 Unexpected Threats to a Well-Planned Retirement


New Laws & Amendments

Consolidated Appropriations Act 2021

Another Coronavirus Relief Package Passed


2020 IRA Rollover Flowchart

Impact of the Most Recent Updates to CARES Act


Highlights of the CARES Act

Coronavirus Aid, Relief and Economic Security Act


Highlights of the CARES Act

8 Key Aspects 


Small Business Owner Solutions Under COVID-19

The CARES Act, Introduced in Response to the COVID-19 Pandemic


Highlights of the SECURE Act

Retirement Savers and Beneficiary Designation Complexities


Coronavirus Related Distributions

A New Source of Cash for Those Impacted by COVID-19


60-Day Rollover Rule

Strategies to Consider in Response to the CARES Act


IRS Notice 2020-51

Rollover Relief for Required Minimum Distributions Waived Under the CARES Act

Charitable Giving

Charitable Giving in 2020 & 2021

Charitable Organizations Need More Help Than Ever


Rules for Deducting Charitable Gifts

Documentation Requirements Vary Based on Size and Type of Gift 


Charitable Income Tax Deduction Ordering Rules

For those making Multiple Types of Gifts


Charitable Remainder Trusts

How Charitable Remainder Trusts Work


Philanthropy - Charitable Giving For Us All

Ways to Gift for Impact While Being Mindful of Tax Consequences


Planned Giving Comparison

Appropriate Entity for Your Personal and Charitable Goals


Donor Advised Funds

Grant-Making and Tax Benefits of a Private Foundation, but Without Administrative Burden


Eight Tips for Deducting Charitable Contributions

Ensure Your Contributions Pay Off on Your Tax Return


Charitable Endowment Funds

Gifting with a Purpose


Qualified Charitable Distributions

Direct Gifts from IRAs can Provide Additional Tax Benefits


Executive Benefits

SAMPLE Stock Option Analysis

Required Information

Baird Clients Receive a Complimentary Analysis


Tax Treatment of Restricted Stock Units (RSUs)

RSUs Reward Key Employees but Require Tax Explanation


Stock Option Swap

Acquire Company Shares Without Use of Cash


Restricted Stock Unit Basics

FAQ


Exercising Your Stock Options Through Baird

Learn the Varying Methods and FAQ 


Rule 10b5-1 Trading Plans

Sell Stock Without Regard to Limitations Imposed by Insider Trading Policies While Complying With SEC Regulations


Rule 10b5-1 Purchase Plans

Opportunities for Executives to Purchase Company Stock


Employee Stock Purchase Plans

Tax Consequences


Method of Stock Option Exercise

Exercise and Hold

Small Business

Small Business Owner Solutions Under COVID-19

Economic Relief to Affected Small Business Owners


Business Loans Under the CARES Act

Now is the Time to Act


Simplified Employee Pension SEP IRA 2020

Low Cost Alternative to a Profit Sharing Plan


Retirement Plan Contribution Limits 2021

Limits and Thresholds 2021


Exit Planning

You've Built a Great Company, Now What?


Business Continuation Agreements

Two Popular Type of Buy-Sell Arrangements


Tax Credit for Small Employer

Retirement Plan Startup Costs


Business Owner Solutions Overview

Business Transitions, Value and Marketability Assessment, Mergers and Acquisitions


Key Person Life Insurance

Is Your Business Prepared for a Loss?


Case Study

Helping Business Owner Clients with Baird's Full Capabilities


Identity Protection

Protecting Your Identity

Tips on Keeping Your Personal Information Secure, Plus What to do if you are Hacked


Cybersecurity

The Role You Play


Personal Email Compromise Guidance

Steps to Take If Your Personal Email has been Compromised


Security Information You Need to Know

How Baird Protects You


InfoArmor

Baird's Proprietary Technology Solutions


Dark Web

What Is It? PrivacyArmor Can Help

Divorce

How to Prepare For Financial Impact of Divorce

Financial Planning Considerations and Important Steps to Protect Financial Well-Being


Divorce Checklist

Important Considerations for Those Affected by a Separation

Investing

Sequence of Returns Risk

Receiving Lower or Negative Returns When Withdrawals Are Made


Financial Planning in a Volatile Market

Specific to Goals, Timeline and Asset Allocation


Rebalancing Your Portfolio

Proper Allocation and Why It's Important


Risk Profile Analysis

SAMPLE Client Questionnaire for Risk Tolerance with Scoring


Investment Policy Elements

Objectives, Goals, Guidelines for Management of Your Portfolio


Medicare

Cost of Medicare

Various Scenarios, Enrollment Periods and Varying Aspects


A Guide to Understanding Medicare

Comprehensive Overview of Key Components


Medicaid Planning

A  Two-Tiered Test to Receiving Financial Assistance


Understanding Medicare Advantage and Drug Plan

Overview of Parts C and D


Medicare & You 2021

The Official U.S. Government Medicare Handbook


Medicare Resources

Information and Links to Useful Tools and Resources


Questions to Ask Before Joining Medicare Advantage

Medicare Advantage vs. Original Medicare


Medicare Decisions Working 65+

Important Considerations


Medicare Advantage Plans

Alternative Option and What's Appropriate for You


Medicare Supplement Policies

Critical coverage for Parts A & B

Social Security

SAMPLE Social Security Break-Even Analysis

Early vs. Delayed Claiming of Benefits


Social Security Trustees Annual Report

Highlights and a Temporary Surplus 


Social Security Administration Resources

Online Planning Tools


Social Security Options for Spouses, Widows, Ex-Spouses

Claiming Options and Planning Strategies


Social Security Survivor Benefits

Benefits in Time of Need


Social Security Planning Strategies

When to File, How to Maximize


Social Security Offsets Windfall Elimination & Government Pension

Rules for Benefit Reductions


Taxation of Social Security Benefits

How Benefits are Taxed, MAGI Breakpoints and Percentages


Social Security While Working

Under Full Retirement Age 


Receiving Social Security Benefits on the Work Record of Another

Rules for Receiving Spousal Benefits, Divorced Spousal Benefits, Survivor’s/Widow’s Benefits, Divorced Survivor’s/Widow’s Benefits, and Child’s Benefit


Determining Social Security Benefit Amount

Including Family Maximum


Social Security Eligibility Requirements

Including Retirement, Spousal, Survivor and Divorced-Spouse


Complete Social Security Guide

Comprehensive Guide on How Social Security Works and Maximization Strategies


Long-Term Care

Long Term Care Factors

Four Factors to Consider


Long Term Care Products

Three Product Choices


Long Term Care Insurance

How it Works


A Beginners Guide

Best Way to Save on Late-Life Medical Care? Act Now


Long-Term Care Planning Solutions

Life with Rider, Hybrid Life/Long-Term Care, Traditional

Insurance

Health Partnership

Baird Clients Have Access to Licensed, Non commissioned Health Care Advisors


Health Summary Report

SAMPLE from Health Partnership


Life Insurance

Types of Products


Life Insurance Supplemental

Supplemental Retirement Income

Cash Management

Cash Management Program by Baird

Offering Convenience and Simplicity in One Easy-To-Use Account


Program Rules & Awards

Award Points Program Rules


Cash Sweeps

Baird's Cash Sweeps Program


Securities Based Lending

Liquidity Options that Keep Your Investment Portfolio in Tact

Have a Question

Thank you! Oops!