Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. The HSA as the Ultimate Retirement Vehicle For eligible Americans, the Health Savings Account (HSA) is arguably the single best wealth-building tool available, often referred to as the “Triple Tax Advantage.” It is not merely a short-term savings account for medical … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Your Filing Status Dictates Your Tax Bill The Tax-Filing Status is the foundation upon which your entire federal income tax calculation rests. It determines your Standard Deduction amount, which tax brackets you use, and which credits you are eligible to claim. … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Leveraging Credit as Strategic Operational Capital For the CEO of a scaling business, a high-limit business credit card is not merely a payment method; it is a vital piece of the company’s financial architecture. Strategic use of commercial credit allows founders … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: Bypassing the Roth Income Ceiling Legally The Roth IRA offers the ultimate financial advantage: tax-free growth and tax-free withdrawals in retirement. However, high-income earners in the U.S. are generally barred from contributing directly due to strict Modified Adjusted Gross Income … Read more
Analysis by Elijah Finn, Registered Investment Advisor (RIA) & Principal Analyst, Core Capital Report. Introduction: Maximizing Tax-Advantaged Savings as a Business Owner As a self-employed individual or small business owner with no full-time employees (other than a spouse), you gain a powerful financial advantage: the ability to act as both the employee and the employer … Read more
The Roth IRA as a Core Wealth Engine The Roth IRA is arguably the most powerful retirement savings tool available to the American worker. Unlike traditional retirement accounts, you fund it with after-tax dollars, meaning every dollar of growth and every withdrawal in retirement is 100% tax-free. However, the key to accessing this tax-free powerhouse … Read more