Separate long-term custodial care from ordinary medical coverage. Compare covered services, benefit limits and premiums you can...
AFT Team
Identify the tax year before using limits, estimates or deadlines.
Distinguish health FSAs from dependent-care arrangements. Choose an election from eligible expenses and the employer plan’s deadlines.
Check HSA eligibility and coverage dates before choosing contributions. Count relevant employer contributions and verify the applicable...
Identify the annuity contract and the specific problem it should solve. Compare payout promises with costs, surrender...
Base an early-retirement plan on full household spending rather than a savings slogan.
Build retirement spending from actual costs and income dates. Include healthcare, taxes, repairs and other uneven expenses.
Compare Social Security estimates using consistent earnings assumptions. Consider income needs, health, work and household survivor benefits...
Identify whether the benefit is a pension promise or an invested account. Compare payout options, survivor protection...
Separate IRA contribution eligibility from deductibility and withdrawal rules. Traditional and Roth IRAs share an annual contribution...