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The One Big Beautiful Bill Act has added several wrinkles to tax planning. Here are some basic questions to get you started. (December 2025) © 2025 M.A. Co. All rights reserved. We’re here to help you build a more sound future. Heartland Bank’s Wealth Advisors are ready to help you start or revise retirement, estate …
According to a 2023 report from AARP, some $28.3 billion is stolen from older adults every year. About 72% of that, $20.3 billion, is taken by a friend, a family member, or a caregiver, while the remaining $8 billion is stolen by strangers. Only $7.8 billion of the thefts are reported to the authorities. The methodology behind …
When Michael Jones purchased Series EE federal savings bonds, he designated his wife, Jeanine, as the pay-on-death beneficiary. The couple later divorced. Under the divorce settlement agreement Michael agreed to pay Jeanine $200,000 over a period of years. The settlement agreement did not mention the savings bonds, nor did Michael take any action to have …
On December 2, 2025, the IRS issued Notice 2025-68 to provide a general overview of how Trump Accounts will work, and to address initial questions about eligible investments, distributions, reporting and coordination with the rules applicable to other types of Individual Retirement Accounts. Trump Accounts can be established in 2026, using IRS Form 4547, for …
Jerry and Mary Trotter established a revocable trust in 2011. They acted as trustees, and their son, Timothy, was the successor trustee. After the deaths of the trustors, certain stock was to be distributed to Timothy, and the balance of the trust assets was to be divided equally among several children, including Jerry’s daughter from …
Each year the IRS identifies the top dozen tax scams taxpayers should watch out for.
Thanks to the One Big Beautiful Bill Act (OBBBA), up to $25,000 in tips may be earned free of income taxes (Social Security taxes will still have to be paid).
According to a recent item in The Wall Street Journal, there are more than 16 million Americans over age 65 who are living alone.
Charitable giving by Americans grew by 6.3% in 2024, to a record $592.50 billion, according to the latest report from Giving USA.
Thoughtful planning may create a lasting legacy.