It doesn't start with a bad investment. It doesn't start with a market crash, a planning failure, or even bad advice. It starts with a phone call. Usually from an estate attorney. Sometimes from a surviving spouse or adult child. And almost always carrying the same discovery: a name on an account that was never […]
Ask most people what determines whether retirement works, and you’ll get the same answer. Returns. Performance. Whether the market cooperated. It’s a reasonable assumption. It’s also the wrong one. Retirement outcomes are shaped far more by timing, sequencing, and tax coordination than by how a portfolio performs in any given year. Two people can retire […]
Most people believe the biggest investment risk is making the wrong call. Buying at the top. Selling at the bottom. Picking the wrong fund. Those mistakes are real. But they’re obvious. You see them. You feel them. The risk we see far more often is quieter. It’s the portfolio that was built correctly years ago […]
Most people believe the biggest investment risk is making the wrong call. Buying at the top. Selling at the bottom. Picking the wrong fund. Those mistakes are real. But they’re obvious. You see them. You feel them. The risk we see far more often is quieter. It’s the portfolio that was built correctly years ago […]
As part of recently enacted federal tax legislation, several important updates are taking effect over the next few years. Many of these changes impact retirees or those approaching retirement, and we wanted to highlight the provisions most relevant to our clients. Overall, the new law makes many of the 2017 tax rules permanent, introduces a […]
As you approach age 65, Medicare becomes a major part of your retirement healthcare planning. The rules can feel confusing at first — especially around enrollment timing, what’s covered (and what’s not), and how Medicare works if you’re still employed. Below is a clear, practical overview to help you understand the essentials before making any […]
When people think of estate planning, they often jump straight to wills or trusts. But one of the most overlooked—and most impactful—parts of an estate plan is simply how your accounts and assets are titled. Beneficiary designations and legal titling on accounts/ property take precedence over what’s written in your will or trust. That means […]
A Message from Canty Financial Tax season is in full swing, but tax planning isn’t just about filing—it’s about long-term strategy. Whether you're still working or fully retired, making smart moves now can reduce your lifetime tax bill, minimize investment drag, and preserve more of your wealth for the future. Below, we outline key tax […]
As the year winds down, it's the perfect time to reflect on your financial progress and take advantage of key opportunities that can help you optimize your financial health. Year-end planning is not just about organizing your finances; it's about setting yourself up for success in the coming year. In this edition, we’ll guide you […]
Inheriting an investment account can significantly impact your financial situation, but it also comes with important tax considerations. Whether you’ve inherited a regular brokerage account, an IRA/401(k), Roth IRA, or a trust, understanding the tax implications is crucial for managing your newfound wealth effectively. This article will guide you through the key tax issues related […]