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About Arbor Firm

We are Arbor Wealth Management, a Phoenix-based firm that offers comprehensive financial planning services. We’re partners in your financial future. Like a conductor coordinating a beautiful symphony, we’re intimately involved in your financial future. We take the time to know how each instrument in your personal orchestra is performing, keeping all aspects of your plan in tune. We accomplish this by making sure your finances remain pliable, whether you are in an accumulation or distribution stage in life.  
16 10, 2020

Real Estate Investments Yield Low-Tax Income

By |2020-10-19T08:16:52-07:00October 16th, 2020|Categories: Tax Diversification, Tax Planning|Tags: , , , , , |0 Comments

It’s a sad fact of the tax code that the more money you make, the more you owe to the tax man. That’s especially true if you’re self-employed and paying the entire 15.3% Federal Insurance Contributions Act (FICA) tax for Social Security and Medicare yourself. Investing in real estate, however, can bring in extra income

9 10, 2020

Required Minimum Distributions (RMDs) are Waived in 2020—Should You Still Take Them?

By |2020-10-19T08:17:44-07:00October 9th, 2020|Categories: IRAs, Retirement Planning, Tax News|Tags: , , , , , , , , |0 Comments

If you are age 72 or older, you generally must take required minimum distributions (RMDs) from your traditional IRA or employer-sponsored retirement plan, such as a 401(k) or 403(b), each year. These amounts are included in your taxable income, and if you fail to take your RMD by the annual deadline, the amount not withdrawn

6 10, 2020

Paying Off Your Mortgage Early Versus Investing Long-Term in the Market

By |2020-10-07T01:48:02-07:00October 6th, 2020|Categories: Tax Planning|Tags: , |0 Comments

Congratulations on that big promotion! You’re financially comfortable with a nice nest egg and now you have some extra cash coming in. So, what do you do with it? Pay down your mortgage, or invest for the long term?  The thought of getting rid of debt feels good and will pay off in the interest

30 09, 2020

Low Treasury Rates Fuel Economic Stimulus

By |2020-10-02T06:51:58-07:00September 30th, 2020|Categories: Tax News|Tags: |0 Comments

Yields on U.S. Treasury bonds fell to historic lows in March 2020 and remain low as the Federal Reserve and markets respond to the economically devastating pandemic. These low bond yields can help boost a recovery in several ways. Treasury bonds are basically loans to the U.S. government, to be paid back to the investor

23 09, 2020

The Details of the New Payroll Tax Deferral Stimulus

By |2020-10-02T06:58:57-07:00September 23rd, 2020|Categories: Tax News|Tags: , |0 Comments

Back in late March, as much of normal life closed down, businesses got a boost in the form of an immediate tax break. Under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, employers were allowed to defer their share of payroll taxes for the rest of 2020. Employees making less than $4,000 every two

16 09, 2020

Active Versus Passive Investing: The Pros, Cons, and Tax Implications of Each Approach

By |2020-10-01T20:04:31-07:00September 16th, 2020|Categories: Retirement Planning, Tax Planning|Tags: , , , , |0 Comments

When deciding how to invest your money in order to maximize returns and minimize taxes over time, you may hear about two different strategies: active and passive investing. As the names suggest, active investing involves a more hands-on role for the portfolio manager, while a passive approach involves buying and holding investments for the long-term.

9 09, 2020

Retirement Fund Rollovers: Watch the Calendar and Follow the Rules

By |2020-09-11T02:29:32-07:00September 9th, 2020|Categories: IRAs, Retirement Planning, Tax Planning|Tags: , , , , , , , |0 Comments

There are many reasons why you might want to move your retirement savings to another account.  Maybe you want to invest with a company with better performance. Maybe you changed jobs and want to bring past accumulations with you to a new plan. If you’re among the millions who lost a job as the economy

2 09, 2020

What to Know About Health Savings Accounts (HSAs) in 2020

By |2020-09-07T01:00:05-07:00September 2nd, 2020|Categories: Retirement Planning, Tax Diversification, Tax Planning|Tags: , , , , , |0 Comments

Since health savings accounts (HSAs) were introduced in 2004 as part of the Medicare Prescription Drug, Improvement and Modernization Act, they have surged in popularity as a flexible way for numerous Americans to reduce taxable income and save for future medical expenses. But since the IRS establishes new rules governing HSAs each year, it’s important

26 08, 2020

Limiting Your Post-Retirement Tax Bite

By |2020-09-03T00:46:12-07:00August 26th, 2020|Categories: Retirement Planning, Tax Diversification, Tax Planning|Tags: , , , , , |0 Comments

Saving for retirement in tax-deferred vehicles is a great way to reduce your tax burden today. But it’s also important to limit the tax bite out of your hard-earned savings later by creating a stream of tax-free retirement income. By most estimates, income tax rates will likely rise in the future. Current rates set in

19 08, 2020

Saving for College? Consider Using a Life Insurance Retirement Plan (LIRP) as an Alternative to a 529 Plan

By |2020-08-20T02:43:28-07:00August 19th, 2020|Categories: Tax Diversification, Tax Planning|Tags: , , , |0 Comments

As the costs of higher education continue to rise, many parents worry about how they will pay for their kids’ educations without requiring them to borrow staggering amounts in student loans. In order to save for future tuition expenses, some families use a tax-advantaged tool called a 529 plan. While 529 plans offer a variety

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