What to Consider if You Want to Retire

“Choose a job you love and you’ll never have to work a day in your life” – Confucius. As you set your New Year’s resolutions, consider the steps needed to set yourself on a path for a successful retirement.  While it might seem like a...

Year-End Tax Planning in Light of Proposed Tax Changes

Update as of 12.19.21 With the end of the year rapidly approaching, the Build Back Better Act still faces significant disagreements in the Senate that appear likely to stretch into 2022. It remains to be seen what effect this delay will ultimately have on the...

Charitable Gift Fund FAQs

A Donor Advised Fund (DAF) is a great way to manage donations to your favorite causes while optimizing your tax advantages. With a DAF, you can take a current tax deduction as you pre-fund your future gifts to charities.  Also known as a “Charitable Gift...

Tips for Microsoft Open Enrollment

Open Enrollment at Microsoft begins in early November.  The following is a summary of elections to consider, and as always, please reach out to your Coldstream advisory team if you have questions. HSA (Health Savings Account) If you choose an HSA eligible health plan, you...

Save More For Retirement With Your Health Savings Account

As you plan for retirement, consider using one of the best options for building tax-advantaged savings – a Health Savings Account (HSA).  An HSA is a medical savings account available to anyone enrolled in an HSA compatible high-deductible health plan (HDHP).  For 2021 and 2022,...

Introduction to Medicare

If you’re over 65, chances are you’re familiar with Medicare. Some 62 million people are enrolled in Medicare today. But many Americans have little knowledge of this government-run health insurance program, which could play an important role in your retirement planning. What does Medicare cover?...

Should I Complete the FAFSA?

Each year in October the window opens to submit the Free Application for Federal Student Aid (FAFSA) for the following school year.  Although you have until June 30th to complete your application, filing your FAFSA as close to October 1st as possible can improve your...

Does Your Advisor Really Have Your Best Interests at Heart?

Since the late 1990s, the Internet has enabled broad access to investment information. This, coupled with the rise of discount brokers, has provided cost-effective ways for anyone with a computer to play in the stock market. Companies like Schwab and eTrade have reduced trading fees...

Sending Your Child Off to College: A Financial Checklist

Starting college is a big life transition for both students and their parents. While your student may be focused on orientation and choosing courses, there are some important financial considerations that accompany this change as well. Some are administrative items for you to consider, such...