Our Insights

Considerate Capital features insights on the economy, markets and other educational resources.

Employee Stock Purchase Plans Business

Mastering Employee Stock Purchase Plans (ESPPs)

Unlocking the Potential of Employee Stock Purchase Plans (ESPPs) Employee Stock Purchase Plans (ESPPs) may not sound exciting, but they offer substantial financial incentives for eligible employees. These plans, often called Stock Purchase Programs, allow employees to acquire company stock at a discounted rate through automatic payroll deductions. The potential benefits are significant, and understanding […]

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social-security

Reasons Behind the Rising Trend of Early Retirement in the U.S.

Find out why many Americans retire early and do not receive their maximum social security benefit. Many Americans retire before the traditional retirement age of 67 when full Social Security benefits typically kick in. While some make this decision out of personal preference, others retire early due to various circumstances. The 2023 Retirement Confidence Study […]

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Filing Folder Personal Finance

7 Tips for Organizing Your Finances

Spring is a great time to take a closer look at your finances and make any necessary changes.

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Tax

Vacation Home Tax Deductions

Are you making the most of your vacation home tax deductions? Whether you’re using your vacation property for personal use, as a rental, or both, understanding IRS rules can help you save. Learn how to maximize deductions on mortgage interest, property taxes, and rental income with key insights into the 14-day rule, passive activity loss limits, and family rental guidelines. Discover how to turn your vacation home into a smart financial investment while staying compliant with IRS regulations.

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Personal Finance

Avoiding Common Investment Income Tax Mistakes in Retirement

Learn how to avoid costly investment income tax mistakes in retirement. Discover why asset location strategies might not be as beneficial as they seem and how to optimize your tax strategy for long-term growth.

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Personal Finance

Maximizing Health Insurance Subsidies and Tax Efficiency Before Medicare

Discover how Mary effectively managed health insurance subsidies and tax strategies before Medicare. Learn how capital gain harvesting impacts health insurance subsidies and find tips for maximizing savings.

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Personal Finance

How to Achieve $100,000 in Tax-Free Income

Discover how strategic tax planning can help you achieve $100,000 in tax-free income during retirement. This detailed case study of a theoretical couple, David and Lisa, explores effective strategies including Social Security benefits, dividends, IRA withdrawals, and brokerage account distributions to minimize taxes and maximize retirement income.

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Assets You Shouldn’t Put Into a Living Trust

Learn which assets should not be placed into a living trust to avoid negative tax consequences and potential liabilities. Discover expert tips for proper estate planning.

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Business

Navigating A Defined Benefit Pension Plan’s End State

Explore the critical steps and considerations for transitioning a Defined Benefit (DB) Pension Plan to its end state. Learn about de-risking strategies, liability settlements, regulatory compliance, and best practices to secure the plan's future while minimizing financial risks.

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Retirement

Maximizing Your Retirement with Defined Benefit Plans

Discover how to maximize your retirement income with defined benefit plans. Learn key strategies for timing, tax optimization, and integrating your pension with other retirement assets for a secure financial future.

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Little Savers Personal Finance

Little Savers: Financial Literacy for Kids

Teach your children financial literacy for a prosperous future.

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Estate & Trust

Leveraging GRATs for Strategic Wealth Transfer

Discover how Grantor Retained Annuity Trusts (GRATs) can be a powerful tool in tax-efficient wealth transfer planning. Learn about the benefits, risks, and strategies for maximizing estate planning through GRATs to minimize gift and estate tax liabilities while preserving your wealth for future generations.

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IRS Estate & Trust

Tax Impact of Revenue Ruling 2023-2

How Revenue Ruling 2023-2 Affects Defective Grantor Trusts and Basis Step-Up

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