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Wealth & Advisory Associates

The Coming Tax Freight Train of Higher Taxes

The inevitability of higher taxes in the future has often been likened to an oncoming freight train.  Why?  Because Americans who do their retirement savings in tax-deferred investment accounts such as IRAs in 401(k)s, find themselves sitting on the train tracks with a very real tax freight train bearing down on them. Some experts such ... Read More


CBO Director: Important to give Advance Warning about Coming Changes to Social Security

Politicians don’t like to discuss it much but policy wonks in Washington are finding it harder and harder to ignore: The federal government has made promises with regards to Social Security that it can’t afford to keep. Keeping Social Security alive is going to require some very tough decisions in the coming years. These will ... Read More


Do Roth Conversions satisfy Required Minimum Distributions?

As the likelihood of higher tax rates increases, many proactive investors are looking to the Roth Conversion as a way to protect their retirement assets. As they do so, one question sometimes arises: Does the amount that you convert to a Roth IRA count towards the Required Minimum Distribution? The short answer is no. Let ... Read More