Jason T. Micheli, PhD
Jason T. Micheli, PhD will help you learn how to invest smarter, lower your taxes, manage your risk, and achieve your financial goals.
Clients frequently seek financial guidance in order to get assistance in making wise investment decisions. However, investments are instruments that you use to reach your financial goals. By focusing only on investments you are focusing on the tools and not focusing on your objective, which is to use the right tools (investments, etc.) to grow …
A Health Savings Account (HSA), can be a great way to save for retirement beyond the typical retirement accounts. HSAs offer several tax benefits that can make them a powerful tool for long-term savings. In this article, we’ll discuss the benefits of HSAs and how you can determine if an HSA is right for you. …
A Roth conversion can be a great way to save on taxes in retirement, but it’s important to avoid making common mistakes. In this article, we will discuss five of the most costly Roth conversion mistakes that can derail your strategy. Make sure you understand the implications of each decision before you convert your Roth …
It’s important to rebalance your portfolio on a regular basis in order to maintain optimal investment returns as well as to maintain your optimal exposure to investment risk. When you create a new investment portfolio, you set your target allocations to stocks, bonds, cash, and other investments. As the markets move and the value of …
When it comes to retirement planning, one of the most important decisions you will make is how to allocate your assets. Different types of investments are taxed differently, so it’s important to understand the tax implications of each choice you make. Many studies have shown that asset location can have a significant impact on your …
When you receive your tax refund, the best thing you can do is put it to good use. There are a number of ways to make permanent improvements to your finances with your tax refund, but three of the best uses are contributing to your emergency fund, saving for retirement, and paying down high-interest debt. …
Should you invest money or pay off debt? This is a common question that new clients ask us. There are two basic factors involved in answering this question: the mathematical factor and the psychological factor. Here’s what you need to know. The Mathematical Factor Every person’s situation is unique, but there are a few areas …
If you’re looking for a tax-advantaged retirement account, you should consider a Roth IRA. Roth IRAs offer unique benefits that can be extremely helpful in saving for retirement. In this article, we will discuss how Roth IRAs work, the tax benefits they offer, and more! What are Roth IRAs? Roth IRAs are individual retirement accounts …
Making estate planning a priority is one of the most important things you can do for yourself and your loved ones. Unfortunately, many people put it off until it’s too late. Don’t be one of them! Estate planning is something that should be done as early as possible so you can make sure your wishes …
When it comes to saving for retirement, there are many options to choose from. But what is the best order to save in? Should you prioritize your 401(k) or an IRA? Should you consider contributing to taxable accounts? What if you have debt, does that change the calculus? It can be difficult to determine the …
