Flow Charts

In most cases, Medicare eligibility is straightforward. But there are some situations where a client may not have the required 40 Social Security work credits to be eligible for Medicare. While this is an uncommon situation, it is far from rare....

Determining when a client must enroll in Medicare can be complicated. Depending on the client’s situation, they may be automatically enrolled or they may have to proactively enroll. If the client must follow the Initial Enrollment Period rules,...

HSA contribution rules seem pretty straightforward at first. However, the rules become complicated in years when there will be a change to coverage. Perhaps a client is moving from individual to family coverage, or they are leaving their health...

Converting a portion of an IRA to a Roth IRA is complex process that involves many moving parts and can have some unintended consequences if not properly handled, including a possible impact on Medicare premiums two years after the conversion.

If you earn too much, you are unable to make a regular contribution to a Roth IRA. But there is a workaround called the Backdoor Roth Contribution. There are many complicated steps that must be considered and if done improperly can result in...

There are many different considerations that affect one’s ability to contribute to a Traditional IRA. To make matters worse, the contribution limits usually change from one year to the next.

There are many different considerations that affect one’s ability to contribute to a Traditional IRA or a Roth IRA. To make matters worse, the contribution limits usually change from one year to the next.

Clients who expect to receive a Social Security benefit and a government pension may see their Social Security benefit reduced due to the Windfall Elimination Provision.

To help make the conversation with clients easier, we have created the “Will I...

Social Security benefits for a divorced individual can be confusing. There are several important and unique Social Security issues that must be addressed before any divorced individual begins to collect Social Security.

To help make it easier, we...

Social Security spousal benefits present an important source of income for many of your clients. But there are several important and unique Social Security issues that must be addressed for any client that has recently lost their spouse.

To help...