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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How Long Do Kids Stay Dependents?
The federal government allows you to claim dependent children until they are 19. This age limit is extended to 24 if they attend college.
How to Avoid the IRMAA Surcharge and Pay Less for Medicare
IRMAA, or Medicare’s Income-Related Monthly Adjustment Amount is an extra fee that is added to your monthly Medicare premium. What is the calculation for IRMAA surcharge and how can you avoid it?
Solo 401k vs SEP vs SIMPLE IRAs – Best Small Business Retirement Plans
If you have a small business and are looking to save in a tax advantaged way for retirement, there are a lot of options for retirement plans. The 3 most
Lump Sum Pension Buyout Offers – What to Know Before Cashing Out
Companies offer lump sum payouts for pensions to limit their long term liability. You may also have the ability to cash out your pension if your leave your job. If
Secure Act 2.0 – New RMD Ages, 529 to Roth Transfers, Roth Requirements
A new bill has resulted in many changes to retirement planning. RMD ages are changing, 529 accounts may not be rolled into Roth IRAs, you may be required to save
Turn IPERS Into a Comfortable Retirement
If you’re an Iowa employee, you have an excellent pension system available to you. Here’s how it works and how to plan for retirement with it.
What Happens to a 529 if my Child Gets a College Scholarship or Grant?
Utilizing a 529 plan can be greatly beneficial toward anticipating the expenses ahead; however, it is difficult to predict what may be received in grants and scholarships in the future.
How to Review Life (Term, Whole, Universal) and Long Term Care Insurance Policies
Life insurance is an important part of any financial plan. But, just because a specific insurance policy was right for you in the past does not mean it still belongs
IRA to HSA Rollover – Opportunity if You Have a Qualified Health Savings Account
Just once in your lifetime you are allowed to roll money from your IRA to your HSA, or health savings account. This IRA to HSA rollover is called a “qualified