Insights from
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Where investing and tax meet, written by the people doing both.
Should You Do a Roth Conversion? When It Can Make Sense
A Roth conversion can lower future taxes but creates income today. The right amount depends on your tax rate, cash, retirement plan, and timing.
CPA vs. Financial Advisor: Which One Do You Need?
A CPA handles your taxes and accounting. A financial advisor handles your planning and investments. For big money moments, you often need both, working together.
What Does "Fee-Only Fiduciary Financial Advisor" Mean?
A fee-only fiduciary advisor is paid directly by clients and must put their interests first. The terms describe both payment and legal duty.
Financial Planning for Business Owners: Where Should You Start?
Start by separating business and personal money, planning for taxes all year, and building personal savings that do not depend on the company.
I Received an IRS Notice: What Should I Do First?
Start by confirming the notice is real, finding its number and deadline, comparing it with your return, and collecting the records behind the issue.
Should You Roll an Old 401(k) Into an IRA?
An IRA is not always the best home for an old 401(k). Compare the old plan, a new employer plan, and an IRA by cost, choice, convenience, and protection.
S Corporation Election: When Is It Worth It?
An S corporation election may lower payroll taxes when profit is steady, but payroll, tax returns, and reasonable compensation add cost and work.
SEP IRA vs. Solo 401(k): Which Is Better for a Solo Business Owner?
A SEP IRA is simpler to run. A Solo 401(k) can allow larger contributions at the same income. The better choice depends on your goals and tolerance for paperwork.
7 Signs Your QuickBooks Needs Cleanup
QuickBooks needs cleanup when balances, transactions, owner activity, or reports cannot be trusted. These seven signs show when to get help.
Tax-Loss Harvesting: How It Works and the Mistake to Avoid
Tax-loss harvesting uses investment losses to offset capital gains. The key mistake is buying the same investment again too soon and causing a wash sale.
Which Retirement Account Should You Withdraw From First?
There is no universal withdrawal order in retirement. The right mix of taxable, traditional, and Roth money depends on your tax picture each year.
Is Now the Right Time to Buy a House or Keep Renting?
Buying can reward stability while renting preserves flexibility. Compare the full monthly cost, upfront cash, time horizon, and opportunity cost.
Can I Deduct Medical Expenses on My Taxes?
Medical expenses can produce a federal deduction, but only the eligible amount above 7.5% of AGI and only when itemizing beats the standard deduction.
Should I Contribute to My HSA or My 401(k) First?
Capture the employer match first, then compare the HSA's federal tax treatment with liquidity needs, plan costs, health expenses, and state rules.
Is It Better to Take the Standard Deduction or Itemize?
Compare the standard deduction with allowable Schedule A expenses each year. The larger number usually wins, but new 2026 rules change the calculation.
Can I Deduct My Home Office If I'm Working Remotely?
Self-employed people may qualify for a home office deduction when the space meets strict use tests. Employees generally cannot claim it federally.
Should I Buy or Lease My Next Vehicle for Tax Purposes?
Buying and leasing can both support a business vehicle deduction. Compare total cost, business use, deduction method, and exit terms before choosing.
Should I Pay Off Debt or Invest My Extra Cash?
High-interest debt usually comes first. For lower-rate debt, compare the guaranteed savings with uncertain investment returns, taxes, liquidity, and goals.
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