The income-related monthly adjustment amount, or IRMAA, is a surcharge that high-income earners may pay in addition to their Medicare Part B and Part D premiums. Individuals interested in appealing their IRMAA must submit the appeal via a form and the overall process can seem daunting, but we have helped many clients through it with […]
March is Women’s History Month, a month set aside to honor women’s contributions in American history. As we celebrate this month and throughout the year, we invite you to join us as we recognize and learn more about the women who are shaping our firm and our industry. Christina Alvarez, FPQP™ Director of Client Services […]
While 2022 was a challenging year, particularly from an economic and financial markets perspective, we remain confident that better days are ahead. Staying disciplined and patient has always proven to be the best course of action during uncertain times. This letter, however, is not about the markets or the economy or inflation for that matter. […]
The most common questions we hear from our non-profit clients when they first connect with RTD are: how do I know what our investment policy should be for our long-term reserves, and, is our current investment policy still appropriate for the long-term reserves of the organization?
Being a business owner comes with a long list of responsibilities and things to think about that extend far beyond the day-to-day operations of the business. Tax implications, insurance coverage, estate planning, are just a few of the issues that all business owners should be aware of and thinking about to maintain a healthy and […]
RTD has been helping clients and their families for over 35 years. “I was named estate executor, what should I do?” is a question we received more than once. Ideally, you were notified well in advance, had conversations, established an inventory of assets and liabilities, obtained copies of key documents, and learned the exact location […]
With stocks and bonds declining in value during the first half of the year due to a myriad of concerns (not the least of which has been the highest inflation rate in nearly 40 years), I Bonds have caught the eye of investors due to their high current interest rate. However, with anything that receives […]
Retirement is one of the most common goals for people across all careers and can be one of the most significant milestones in our lives. However, retiring entails so much more than picking a date on the calendar to stop working. It’s an entire life overhaul that requires years of thought and planning in order […]
Tax loss harvesting is a powerful and valuable investment technique that can provide significant tax savings for investors and make the best of a market downturn. During economic slowdowns and recessions when losses are more prevalent, we typically see most individual investors hold onto their losses because they are afraid to “sell down,” waiting and […]