Hans and Robby are back again this week with a brand new episode This week they discuss tax rates brackets and exemptions for retirees in Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

America's IRA expert Ed Slott recently told other industry experts that an IRA is just an IOU to the IRS Slott says he doesn't see any benefit to using a traditional IRA right now because tax rates are so low However Peter with Richon Planning does not agree with Slott and explains why to Erin Kennedy There are many reasons investors should still consider investing in tax-deferred accounts even though we are living in a historically low tax rate There is no cookie cutter answer No blanket statement can apply to every person there are too many variables to consider [... more]

How far a long are we from getting this passed Has anything changed in the bill over the last week or so How significant were these changes Why do we have to vote twice Tax rate changes and the details about who rsquo s paying for it Are we still on track for early January And what does Brian think about the breaking news of PGA and LIV merging [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss taxes for Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

DHS Sec Mayorkas gets grilled over the border and the Chinese spy balloon Biden's tax returns claim the Bidens only made K and paid a tax rate A leftist doxxed one of Dana's friends' personal information KJP says the White House did not pay for Hunter Biden's trip to Ireland The UN says minors can consent to sex Dana explains how Republicans should message the issue of abortion moving forward John Fetterman makes his first speech in Congress in two months Florida passes its parental rights bill A bipartisan group of lawmakers are looking to solve the decades-long UFO phenomenon [... more]

There may never be a better time to open a Roth account Roth IRAs offer tax-free earnings growth and as Peter with Richon Planning explains to Erin Kennedy there are clear-cut reasons you should consider investing in a Roth today Today's Historically Low Tax Rate the Tax Cuts and Jobs Act which reduced federal income tax rates is set to sunset in Your Depreciated Portfolio pay taxes on a smaller value now then allow that future growth to happen tax free Possible Elimination of Backdoor Roths the Build Back Better Act proposed ending Backdoor Roths the loophole dodged the axe [... more]

What rsquo s the hold up on this bill passing Is it ACTUALLY looking like it will happen or is there still a chance it won rsquo t pass yet Do we know any details of what the bill will include like tax rates fees start date etc Did he catch the Nick Saban interview where he said ldquo athletics no longer go to schools hellip rdquo for what He seems to have an issue with NIL [... more]

Biden brags about job numbers as inflation remains high CNN holds a town hall with VA Gov Youngkin and sets up a bathroom question from a trans teenager Cars are racist because they are driven by mostly White people House Democrats are clueless when asking questions about tech censorship Colin Kaepernick says his mom was racist by telling him not to wear cornrows Biden lies about the corporate tax rate under Ronald Reagan Janet Yellen attributes customer service as evidence of the return of investment in K new IRS agents Gavin Newsome takes a Mexico vacation during California's extreme weather [... more]

If you don't have a tax plan you don't have a retirement plan In retirement you not only want to maximize your income but you also want to minimize your tax bill In this video Peter Richon with Richon Planning and Erin Kennedy break down three strategies that will help you keep more money in your pocket including Roth Conversions take advantage of today's historically low tax rate Have an RMD Strategy consider earlier distributions or Qualified Charitable Distributions Explore Health Savings Accounts the only triple tax advantaged retirement account that can help with what's often your biggest expense in [... more]

Starting in you can roll up to from a into a Roth individual retirement account which can jumpstart tax-free retirement savings for young investors all while taking advantage of today's historically low tax rate But opening a as Peter Richon with Richon Planning explains to Erin Kennedy isn't right for everyone In this video Peter lays out the pros and cons and suggests other accounts you should consider maxing out first If you'd like to learn more about opening a for your child or grandchild or if you'd like to talk through other strategies to help fund higher education please [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss tax rates and brackets for Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

If you're considering converting an IRA to a Roth IRA in the clock is ticking In this video Peter with Richon Planning and Erin Kennedy break down everything you need to know before making a decision Keep in mind we are in a historically low tax rate Paying your taxes now will allow your money to grow tax free and any future withdrawals will not be taxed Also to help manage your tax liability you may choose to convert just a portion of your assets There is no limit to the number of conversions you can make so you may [... more]

Good news from the IRS inflation adjustments could mean lower tax rates come As Peter with Richon Planning explains to Erin Kennedy tax rates are adjusted for inflation and saw America's fastest price growth in four decades That means most of us will be able to shield more of our income from taxes in Also new for the IRS is increasing the standard deduction marking the largest adjustment to deductions since However these significant changes underscore the importance of proactive tax planning which is something we specialize in at Richon Planning If you would like to talk through these changes [... more]

Your Best Investment Options to Fight Inflation The Myth of Retiring in a Lower Tax Bracket The Consumer Price Index or CPI dipped to in April marking the first slowdown in eight months Some experts say we're past the peak of inflation but Peter Richon with RichonPlanning disagrees and tells Erin Kennedy there are strategies you can put in place today to guard against inflation including Hedged Equities and Structured Notes Also if you do not have a taxplan you do not have a retirement plan In the second half of the show Peter breaks down this common misconception you [... more]

This week Hans and Robby discuss next year's tax rates for those of you that are retired Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Hans and Robby discuss Hidden Treasure Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

Plenty of companies claim they can boost your credit score for a price nbsp Some of them are scams while others are legitimate nbsp But either way you just don rsquo t need them On the next MoneyWise Live host Rob West explains that there rsquo s nothing anyone can do to improve your credit score that you can rsquo t already do yourself Then he rsquo ll take your calls and questions on any financial topic nbsp Find out how to boost your credit score on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

Summer rsquo s just around the corner and that means folks are starting to plan their summer vacations After a year being cooped up with COVID restrictions could see a surge of people hitting the road On the next MoneyWise Live host Rob West shares some tips for planning your warm weather getaway Then he rsquo ll answer your financial questions from a biblical perspective It rsquo s vacation tips for on the next MoneyWise Live at pm Eastern pm Central on Moody Radio nbsp [... more]

Do you know your tax rate How about your standard deduction Hans explains taxes in especially for those age and over Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

The outcome of North Carolina's U S Senate race could help determine which party controls the chamber for the next two years Incumbent Republican Sen Thom Tillis faces a tough challenge from Democrat Cal Cunningham Carolina Journal Editor-in-Chief Rick Henderson analyzes recent developments in the hotly contested race It's safe to say N C colleges and universities did not reopen in the fall in the way they had expected Some campuses welcomed students back only to send them home again for online learning within a matter of weeks Jenna Robinson president of the James G Martin Center for Academic Renewal [... more]

You cannot hide from taxes they will catch up with you eventually Some people push it off and decide they don't want to pay them until later or even pass them onto their children If you take taxes head on ask for advice and put strategies into action for you individual situation it can end up saving you money in the long run Hans and Robby start out talking about how low the tax rates currently are Hans suggests for many of his clients that it is advantageous to pay more tax this year to pay less taxes in the [... more]

Isaiah - says the seven anointings of the Holy Spirit are wisdom understanding council might knowledge fear of the Lord delight in the fear of the Lord Robbie believes Hans reflects these virtues through his dedication to advising his clients well by staying up-to-date on the retirement industry and adhering to Christian standards This week Hans and Robbie want to keep listeners up-to-date with the SECURE Act and how it will change taxes in retirement Before continuing Hans asks listeners to take a moment and pray for Tom Griffith one of Cardinal's advisors and a regular guest on the show [... more]

In Mathew Jesus confronted the Pharisees and Sadducees when they tried to test Him saying that they knew how to interpret a red sky but couldn't interpret the signs of the times This week Hans and Robby talk about the fear and confusion of retirement taxes People tend to worry when their tax return is smaller than expected while in reality this is no cause for fear because the tax rates holistically have gone down It's important to know the difference between retirement policy and politics so you can plan financially and live well Hans recently participated in a webinar [... more]

North Carolina has been able to cut tax rates in recent years without having to slash state services That's thanks to sustainable budget practices Joseph Coletti John Locke Foundation senior fellow outlines several key steps lawmakers have taken to pursue sustainable budgets When Margaret Spellings wrapped up her tenure as president of the University of North Carolina System she offered the Board of Governors a positive assessment of UNC's current state Shannon Watkins policy associate at the James G Martin Center for Academic Renewal says Spellings and other university leaders might be viewing UNC through rose-colored glasses Watkins explains why [... more]

North Carolina's individual and corporate income tax rates dropped again on Jan The personal income tax rate now stands at percent down more than percent from the top marginal rate of percent that it was in effect in North Carolina's percent corporate tax rate is the lowest rate of any states that assess a tax on corporations' income Becki Gray John Locke Foundation senior vice president assesses the significance of the latest tax rate cuts Negative partisanship plays a significant role in our current political debates That's a problem for Jonah Goldberg American Enterprise Institute scholar and National Review senior [... more]

Republicans have been able to cut tax rates balance budgets and increase spending on high-priority items since taking control of the N C General Assembly in But they will face some new challenges as they return to the budget process in the new year Joseph Coletti John Locke Foundation senior fellow outlines those challenges Nobel Prize-winning economist Milton Friedman delivered free-market messages to a wide television audience with his Free to Choose program on public TV The Free to Choose Network follows in Friedman's footsteps with a series of programs highlighting the importance of markets President and CEO Robert Chatfield [... more]

Most school-age children are back in classrooms after summer break Their families recently encountered the annual trip to the store to buy new school supplies Terry Stoops John Locke Foundation vice president for research and resident scholar crunches the numbers to determine how much parents teachers and state taxpayers spend to equip kids for a new year of school Advocates of North Carolina's Opportunity Scholarship school voucher program recently touted results of a study from N C State University It documented the vouchers' positive large and statistically significant benefits for low-income students Two of the key NCSU researchers assistant professor [... more]

This week on Family Policy Matters NC Family President John L Rustin speaks with Andrew Guernsey a Legislative Assistant for Government Affairs with the Family Research Council in Washington D C They discuss the real effects for families of the Tax Cuts and Jobs Act of [... more]

North Carolina's teacher attrition rate dropped last year and those who left the job were less effective teachers than those who stayed Terry Stoops John Locke Foundation vice president for research digs into the latest data about teacher attrition and teacher vacancies Members of the University of North Carolina system's Board of Governors are interested in boosting intellectual diversity on campuses They sought advice recently from Princeton professor Robert George the founder and leader of the James Madison Program in American Ideals and Institutions George highlighted his program's positive impact on the Princeton campus He also pointed to potential challenges [... more]

Politically active corporate CEOs have been making news in recent months In some cases the political activism could mean bad news for the corporate bottom line Jon Pritchett John Locke Foundation senior vice president argues in a recent co-authored Wall Street Journal column that corporate shareholders negatively affected by a CEO's activism should be able to take legal action He explains why Critics have been pointing to Kansas in recent years as the poster child for the pitfalls of state-level tax reform But Patrick Gleason director of state affairs at Americans for Tax Reform contends that North Carolina serves as [... more]

Have you ever noticed that you look completely different in the bedroom mirror than you do in the bathroom mirror In the same way your portfolio can look completely different depending on how closely you look at certain things [... more]

The income tax filing deadline is approaching and it's a good time to remind ourselves of major changes North Carolina has made in recent years to the state's personal income tax Becki Gray John Locke Foundation senior vice president recaps recent reforms and discusses additional changes that are under discussion now in the state Legislative Building Ask a dozen different pundits and you might get a dozen different answers about whether the American economy is heading toward prosperity or peril Robert Whaples professor of economics at Wake Forest University co-edited a recent book assessing the national economy's -year outlook Whaples [... more]

What are the biggest financial regrets that people have once they get to retirement age Learn from the mistakes of others and avoid these regrets yourself [... more]