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Traditional vs. Roth IRA’s

by Marvin Bales | Jan 5, 2020 | General, IRA, Retirement, Taxes

Perhaps both traditional and Roth IRAs can play a part in your retirement plans. IRAs can be an important tool in your retirement savings belt, and whichever you choose to open could have a significant impact on how those accounts might grow. IRAs, or Individual...

Making a Charitable Gift from Your IRA

by Marvin Bales | Dec 14, 2019 | Charitable giving, IRA, Retirement

Follow the rules, and you might get a big federal tax break. Is your annual IRA withdrawal a bother? If you are an affluent retiree, that might be the case. The income is always nice, but the taxes that come with it? Not so much. If only you could satisfy your yearly...

Tax Considerations for Retirees

by Marvin Bales | Nov 25, 2019 | Retirement, Taxes

Are you aware of them? The federal government offers some major tax breaks for older Americans. Some of these perks deserve more publicity than they receive. If you are 65 or older, your standard deduction is $1,300 larger. Make that $1,600 if you are...

Tax Changes That May Be Overlooked

by Marvin Bales | Oct 12, 2019 | General, Taxes

Some alterations to the Internal Revenue Code were less publicized than others. Late last year, federal tax laws underwent sweeping changes. Nearly a year later, you can be forgiven for not keeping up with them all. Here is a look at some important (yet...

When a Windfall Comes Your Way

by Marvin Bales | Sep 22, 2019 | General, Taxes

What do you do with big money? Getting rich quick can be liberating, but it can also be frustrating. Sudden wealth can help you address retirement saving or college funding anxieties, and it may also give you the opportunity to live and work on your terms. On...

Leaving a Legacy to Your Grandkids

by Marvin Bales | Aug 20, 2019 | Estate planning, General, Retirement

Now is the time to explore the possibilities. Grandparents Day provides a reminder of the bond between grandparents and grandchildren and the importance of family legacies. A family legacy can have multiple aspects. It can include much more than heirlooms and...

The Sequence of Returns

by Marvin Bales | Jul 22, 2019 | General, Investing, Retirement

A look at how variable rates of return do (and do not) impact investors over time. What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing...

Life Insurance Products with Long-Term Care Riders

by Marvin Bales | Jun 15, 2019 | Estate planning, General, Life Insurance, Long-Term Care, Retirement

Are they worthwhile alternatives to traditional LTC policies? The price of long-term care insurance has really gone up. If you are a baby boomer and you have kept your eye on it for a few years, chances are you have noticed this. Last year, the American Association...

How to Take Penalty Free Early Withdrawals from Retirement Accounts

by Marvin Bales | May 12, 2019 | General, IRA, Retirement, Taxes

You may be able to use "72(t) distributions" to take penalty-free early withdrawals from retirement accounts. Do you need to access your retirement money early? Maybe you just want to retire before you turn 60 and plan a lifelong income stream from the money you have...

Adjusting Your Porfolio as You Age

by Marvin Bales | Apr 22, 2019 | General, Investing, Retirement

As you approach retirement, it may be time to pay more attention to investment risk. If you are an experienced investor, you have probably fine-tuned your portfolio through the years in response to market cycles or in pursuit of a better return. As you approach or...

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CPA Financial Planning, LLC is a registered investment advisor located in the Atlanta metro area, but with clients all across the USA. We focus on comprehensive financial planning and wealth management services for individuals and families, particularly those who are retired or are planning to retire in the next few years.

Our main focus is to help people become financially independent (or stay financially independent) by maximizing what you are doing with your money, and minimizing mistakes.

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Our main job is to help you make informed decisions about your finances that feel right to you. It isn’t about us trying to sell you a product – so you can relax.
Also, whatever we do needs to feel right to you and you have our promise that we don’t want you to ever do anything that doesn’t feel right to you!

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