Savant Capital Blog |

Savant offers perspective on a variety of topics. Entries range from current events to timeless insights in the world of finance and investments.

04 Jun

Should You “Invest” in Whole (Permanent) Life Insurance?

June 04, 2018

Donovan Sanchez /

Insurance

Whole life insurance, also referred to as permanent life insurance, is an insurance policy with a guaranteed death benefit and a cash accumulation feature known as cash value. For our purposes here, I will use the terms “whole” and “permanent” interchangeably because they are often used in this way by advisors who sell this product.

With permanent life insurance, cash value accumulates as the policy matures. Cash value can be withdrawn in cash, taken as a loan, or used as collateral

fee-only advisor, insurance

04 Jun

New Opportunity for Pass-Through Income Tax Avoidance

June 04, 2018

Andrew Welp /

Financial Planning, Tax

If you are a business owner who receives “pass-through” income, the Tax Cuts and Jobs Act included a major provision that you need to be aware of and start planning for. The largest take away from the new legislation might be the reduction of the corporate tax rate from 35% to 21%. However, this does not help you if your business is set up as a Sole Proprietor, S-Corp, Partnership, or certain LLCs. So, in an effort to ensure some

pass-through, qbi, qualified business income, tax avoidance, tax cuts and jobs act, tax strategies for tax reform

07 May

Hit a Home Run with Tax-Efficient Investment Strategies

May 07, 2018

Matthew D. Armstrong, CFP® /

Financial Planning, Investments, Tax

With the new tax reform, now is a good time to re-evaluate your current and future tax strategies. With the ultimate goal of increasing after-tax return, the focus here will be less on items like standard deductions, personal exemptions or child tax credits and more on investment tax tools

passive management, tax cuts and jobs act, tax reduction strategies, tax strategies for tax reform, tax-efficient investment strategies

03 May

Financial Education for Moms

May 03, 2018

Ambari Pinto /

Financial Planning, Women

If you are one of the lucky ones, growing up, Mom always looked out for you, offered you advice, and was there for you in good times and in bad. This Mother’s Day, it’s time to look out for your mom or another mom you love by offering financial education that can help her, both now and into her future. You may have picked up your current beliefs about money from someone in your family growing up.

managing money, mom, women

24 Apr

Without Pease, Does a QCD Make Sense?

April 24, 2018

Cal Brown, CFP®, MST /

Charitable Giving, Financial Planning, Tax

Yes, that is Pease, not peace.

Donald Pease was a Congressman from Ohio who inserted a “stealth tax” into the Omnibus Reconciliation Act of 1990. The purpose of this Pease limitation was to raise revenue by limiting itemized deductions for high income earners.

agi, ira, medical expenses, niit, qcd, real estate losses, tax cuts and jobs act, tax reform, tax strategies for tax reform

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