by Jacob Millican | Mar 26, 2026 | Financial Planning, Investment, Retirement, Taxes
Introduction: The Retirement Income Problem No One Names Much of today’s conversations around retirement income centers on how much retirees can safely withdraw from their portfolios. Concepts like safe withdrawal rates and required minimum distributions (RMDs)...
by Jacob Millican | Feb 19, 2026 | Financial Planning, Retirement, Taxes
Most people think tax planning happens in March. That’s when returns get filed. Numbers are finalized. Checks are written. But filing a return is not tax planning. It’s documentation. Real tax planning happens year-round through modeling, projections, and scenario...
by Jacob Millican | Sep 4, 2025 | Financial Planning, Investment, Retirement, Taxes
The One Big Beautiful Bill Act (OBBBA) was signed into law on July 4, 2025, with much fanfare and yes, the name sounds like something dreamed up in a focus group. But beyond the marketing, this bill brings real, sweeping changes to the tax code. These updates affect...
by Jacob Millican | Apr 9, 2025 | Financial Planning, Retirement, Taxes
When the SECURE Act was passed in 2019, it reshaped retirement planning—particularly for inherited IRAs. Then, in 2022, the IRS issued proposed regulations that further complicated interpretations of the law. Now, with the July 2024 Final Regulations, we have...
by Jacob Millican | Apr 15, 2024 | Financial Planning, Retirement, Taxes
The concept of the “income sweet spot” in retirement planning is crucial for optimizing financial health, especially as it relates to managing healthcare costs. This sweet spot essentially refers to the amount of retirement income one can have before...
by Jacob Millican | Apr 1, 2024 | Financial Planning, Retirement, Taxes
As we tread into the tax season, reflecting on the past year’s fiscal strategies becomes a priority for many. Specifically, the realm of charitable giving, coupled with astute tax planning, offers a fertile ground for reducing tax liabilities while supporting...
