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Category: Josh Trubow

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The new year is in full swing. Know your limits and get ready to file!

February 27th, 2019 by

A brief tax guide and update for 2019 As you might have heard in the news recently, the Tax Cuts and Jobs Act (TCJA) was passed at the end of 2017 and many taxpayers are now filing their first return under the new tax regime. The TCJA was enacted with four goals: tax relief for […]

Employee Stock Purchase Plans (ESPPs): Understanding and maximizing a great employer benefit you may be missing out on

October 29th, 2018 by

In this installment of my series on employee benefits, I will cover employee stock purchase plans (ESPPs), which offer the ability to purchase employer stock through payroll deductions. Only about 30% of eligible participants take advantage of these plans, and on average, those who don’t participate miss out on over $3,000 per year[1]. You might […]

A Sensible Approach to Scheduling

September 20th, 2018 by

At Sensible Financial, we strive to make it easier for you to work with us. We know that scheduling meetings and phone calls has been a major pain point, requiring a lot of telephone and email back and forth.  We are pleased to announce that we have upgraded our old-school methods to Calendly, a user-friendly […]

Year-end Tax Planning: Should You Do a Roth Conversion?

November 16th, 2017 by

Many advisors tout the benefits of a “tax-free income” in retirement for those individuals with a Roth IRA. More important than tax-free income in retirement is the goal of reducing your lifetime tax burden by shifting income from one year to another through a Roth conversion. With the December 31st deadline for 2017 Roth conversions […]

Flexible Spending Accounts: A Useful Employee Benefit That Can Reduce Your Taxes

July 26th, 2017 by
Flexible Spending Accounts Table

In my last newsletter article, I looked at how to save for medical expenses using a health savings account (HSA). In this companion article, I’ll focus on another type of savings account called a flexible spending account. These plans are designed to help employees save for certain qualified expenses using pre-tax dollars. Although you may […]

Health Savings Accounts: A sensible way to save for health-related expenses

March 23rd, 2017 by

    Health Savings Accounts (HSAs) were signed into law in 2003 by George W. Bush. HSAs are bank or brokerage accounts that allow you to save for qualified medical expenses. Many people do not fully understand how these accounts function or how they may be beneficial, even though they have been available for nearly […]

Thoughts on Financing Your Wedding

June 29th, 2016 by

Thoughts on Financing Your Wedding Summer time is here, and that means wedding season is upon us. Weddings are important life events and can also be large financial expenditures. I’ve been engaged to my fiancée for a year and a half, and our big day is coming up this Sunday, July 3. Here are some […]