Broker Check

Wealth Management Topics

Planning For Your Future


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

Traditional and Roth IRA Overview - 2021

Main Differences and Similarities


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


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


Using Roth IRAs for College

Advantages and Disadvantages

Prepaid 529 Plan Basics

Advantages and Disadvantages

529s and the Gap Year

Using 529s to Pay for a Gap Year

529s Maximize Your Gifting Opportunities

Unique Accelerated Gifting Feature

Education Planning


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 Account

Advantages and Disadvantages to Consider

529 Plan FAQs

Education Planning

Financial Aid Order

Which Financial Aid is Best to Accept First?

Financial Aid Types

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

10 Financial Resolutions for Young Adults

Strategies to Get Your Finances in Order

Paying for Healthcare When Retiring Early

3 Options to Consider

Taking Advantage of the SECURE Act

How the New Law Impacts Your IRA and Other Changes

IRAs to Convert or not to Convert?

Should You Consider a Roth?

Retirement Planning at Your First Job

Planning Starts Here

5 Strategies for Paying Off Credit Card Debt

Key Takeaways


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

How Does Equity Compensation Fit Into Your Financial Plan?

When To Start Planning

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


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

A Big Decision For Small Businesses

Identifying the Right Retirement Plan

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


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


Baird's Proprietary Technology Solutions

Dark Web

What Is It? PrivacyArmor Can Help


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


Unpacking What It Means To Be a Fiduciary

Is Fiduciary Only Limiting Your Choices?

Putting Investment Eggs in Multiple Baskets

How Diversifying Your Portfolio Can Increase Returns

Getting Ahead of the Curve

How Bond Investors Can Take Advantage of Rising Interest Rates

Does Diversification Still Work?

Investing is About Looking Forward

Difficulty in Calling Market Top

What to Do When the Market is at All Time High

Market Selloff a Good Thing?

Minor Corrections are Normal and Healthy

Building Portfolios for Volatile Times

Active Managers Protect on the


The "Free Lunch" of Portfolio Building

How to Deal with Inevitable Volatility

Market Corrections are a Natural and Necessary 

Staying the Course

Focusing on Day-to-Day Misses Larger Trends

The Dangers of Portfolio Tinkering

Tweaking Portfolio Leads to Lower Returns

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


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


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

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