529 College Savings Plans

Do you have leftover funds in a 529 plan account? Education savings plans are excellent tools for tax-advantaged savings for college. Previously, withdrawals from a 529 plan for any reason...

2025 Contribution Limits

Last Friday the IRS announced a few increases to retirement plan contribution limits for 2025: For employees who participate in 401(k), 403(b), governmental 457 plans, and the federal government’s Thrift...

Tom’s Q3 Economic Update

In last quarter’s report we looked at economic growth, interest rates, and the probability of a recession versus a soft landing. The good news is that the most recent economic...

It’s Open Enrollment Time!

It is that time of the year again when many companies have their open enrollment period for group benefits. We’d like to be there to assist you as you make...

Important Steps for New Adults

We love seeing the pictures of all the college students moving into their dorms and apartments, and we love the bustle of activity. As these new adults leave home (and...

Tom’s Economic Update

Last week, two employment reports were released that showed a decline in new hires and an increase in new jobless claims. Markets immediately began a sell-off driven by concerns that...

Using RMDs for Charitable Contributions

If you dream of your financial legacy leaving a lasting impact on the world, there’s a way you can make a difference. You can use your Required Minimum Distribution (RMD)...

How to Avoid Capital Gains Tax When You Sell Your Home

One of the tax tips that appears on the tax planning reports we prepare for clients is “Keep track of your home improvement expenses for determining your adjusted cost basis...

Helping the Children of our Clients

We launched our firm in 2015 and named it Together Planning. We liked the name for many reasons, but one of the bigger reasons is that we wanted to help...

Tom’s Q1 Economic Update

Inflation, national debt, deficit spending, GDP, productivity, how does a person sort through and make sense from all this data? In 1966, I was a high school senior, and I...
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