Featured Blog
Flat Fee Financial Advisors for Planning and Investment Management
We are excited to announce that Arnold & Mote Wealth Management is now a flat-fee financial advisor. Our clients have one flat fee, billed monthly or quarterly, for both financial planning and investment management services. That fee does not change
Medicare IRMAA FAQs – Tax Deductions, Duration, and How to Pay
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TSP Lifetime Income Annuity – Retirement Income Options with the Thrift Savings Plan
If you have money in the Thrift Savings Plan you receive an document called a Lifetime income illustration each year. This document outlines an estimated annuity payment you may be
When to Withdraw from a Roth in Retirement
When should you withdraw money from a Roth account in retirement? Roth IRAs and Roth 401(k)s are excellent long-term retirement accounts. The money in these accounts grows tax-free, and the
Is Stock Market Concentration a Risk to Your Retirement?
The current stock market concentration has been the subject of much recent press, analysis, and commentary. Companies known as the “Magnificent 7” have become so large that they now make
When to Review and Update Estate Documents – Wills, Trusts, Power of Attorney
There is no specific timeframe where you need to update your estate documents. Many times, you can go many years without needing to update your wills, trusts, or power of
Iowa Life and Health Insurance Guaranty Association – Protection Limits for Annuities, Life Insurance, and More
How does the state of Iowa protect you if your annuity or life insurance company fails? If you are a resident of the state of Iowa and purchased an annuity
CD Alternatives – Tax Efficient Options for Cash Savings
There are many alternatives to CDs that investors never consider. While bank CDs provide excellent protection for savings, there can be significant advantages when using alternatives for high-income households when
In-Service 401(k) Rollovers – Rules, Pros, and Cons of Moving Your 401(k) to an IRA
If you are age 59 and a half or older, your 401(k) may have an option that allows you to roll money from your 401(k) into an IRA tax and
Estimated Taxes in Retirement – Managing Tax Bills in Retirement
For most retirees, you won’t need to pay estimated income taxes. That’s one less thing to do each quarter! However, there are a few circumstances when paying estimated taxes in
Understanding Donor-Advised Funds: Guidelines and Limits
You may already know that donating through a Donor-Advised Fund (DAF) is an excellent way to support charitable causes while also receiving potential tax benefits, but there are a few