Giving money can feel simple, but the rules behind financial gifts are often misunderstood. From annual limits to lifetime thresholds, and from reporting requirements to how gifts are structured, there’s more happening under the hood than many people realize. Recent tax law updates have added even more nuance to these conversations. Understanding the mechanics ahead of time may help avoid surprises later, especially when larger gifts are involved. Sources: Bipartisan Policy Center, September 9, 2025 Tax Foundation, November 10, 2025

Grandparents Guide To 529s A 529 plan is a tax-advantaged education savings plan. Before choosing a plan, it's important to consider not only the state tax treatment but also any associated fees and expenses. Availability of a state tax deduction will depend on your state of residence, as state tax laws and treatment may vary from federal tax laws. If you make nonqualified distributions, earnings will be subject to income tax and a 10% federal penalty tax. This material is for informational purposes only and is not a replacement for real-life advice. Consult your tax, legal, and accounting professionals if you are considering a 529 strategy. Sources: Internal Revenue Service, January 30, 2026 Kiplinger, April 14, 2026 Forbes, May 25, 2026 Saving for College, April 30, 2026

If you missed the live webinar, or would like to revisit the information, you can now watch the recording at a time that works for you. In this session, I discuss retirement distribution timing, rollover considerations, taxes, required minimum distributions, Roth conversions, and important 2026 updates affecting 401(k), 403(b), and Thrift Savings Plan accounts. Catch it here: https://lnkd.in/e7M8u6cU

School is back in session, and tax planning deserves a spot on your fall checklist too! As students and families settle into a new school year, it’s a great time to take a closer look at education-related expenses and how they may factor into your taxes. Depending on your situation, certain college tuition and education costs may qualify for valuable tax benefits, including education credits. A few things to keep on your radar:    Keep records and receipts for qualifying education expenses  Look into education tax credits that may apply to you or your dependent.  Track eligible tuition, fees, and other education-related costs.  Keep important tax documents organized throughout the school year.  Don’t wait until tax season to start planning! Every tax situation is different, and understanding which benefits you may qualify for can make navigating tax season a whole lot easier. ROI Tax is here to help you stay organized, informed, and prepared. Have questions about education expenses and your taxes? Connect with our team to learn more. ROI Tax  503.777.3353 | hello@roi-tax.com | www.roi-tax.com  #SavvyStrategicEffective  #ROITax #BackToSchool #BackToSchoolTips #TaxTips #TaxPlanning #EducationTaxCredits #TaxStrategy #FinancialPlanning

Research continues to highlight differences in how people approach money and some patterns stand out. Studies examining women’s financial behaviors often point to patience, consistency, and long-term focus as common themes. Rather than reacting to short-term market noise, these habits emphasize staying engaged, building over time, and avoiding unnecessary complexity. While no single approach guarantees outcomes, understanding behaviors that research has linked to financial confidence and reduced stress can be a helpful starting point for broader conversations around money decisions. If these habits sound familiar or raise questions reach out and I'd be happy to have a conversation with you. #FinancialWellness #MoneyHabits #WomenAndFinance #FinancialEducation

🦸♂️ Meet The Education Distribution Defender A 529 distribution is not automatically tax-free just because it supports education. Treatment can depend on how the money was used, whether the expense qualifies, who received the distribution, whether another tax benefit was claimed for the same cost, the timing of payments, and current federal and state rules. A distribution that is not fully qualified may have different tax consequences, and state treatment may not match federal treatment. Get ahead with a clean education file: ✅ Match each withdrawal to eligible expenses ✅ Keep invoices, receipts, enrollment records, and payment dates ✅ Coordinate distributions with education credits ✅ Track scholarships, refunds, and account activity ✅ Review federal and state consequences before filing Accuracy is more than entering a form. It is connecting the distribution, the expense, and the supporting record. The Tax Team brings integrity, careful review, and more than 50 years of cumulative experience to personal and business tax preparation. Have an education-related tax question? Call 956-586-0801 or schedule a consultation: https://lnkd.in/dsNsZwiJ Facebook: https://lnkd.in/gASzz-DH LinkedIn: https://lnkd.in/gZGEHWQ7 #TaxTips #EducationPlanning #TaxPreparation #FinancialPlanning #TheTaxTeam

Stone Capital Growth™ was recently featured in TAPinto with an op-ed focused on the emotional side of investing and the importance of maintaining discipline during market volatility. The article explores: • How emotional reactions can impact long-term outcomes • Why consistency matters during uncertain markets • The importance of staying focused on a long-term strategy • Building confidence through structure and discipline Read the full article here: https://lnkd.in/eSHCucaB #investing #personalfinance #longterminvesting #stockmarket

The Treasury Department and IRS have proposed regulations for the new Federal Scholarship Tax Credit, which will allow taxpayers to receive a dollar-for-dollar federal income tax credit for qualifying contributions to scholarship-granting organizations beginning in 2027. The proposed rules guide taxpayers, states, and SGOs while establishing safeguards and procedures ahead of the program’s launch. Read the full update from Liskow attorneys Leon Rittenberg III, Caroline Lafourcade, and Abigail Strohmeyer below. https://lnkd.in/gfaTuFgG

📚 Did you know eligible tuition fees may help reduce the income tax you owe potentially bringing your tax payable down to zero? 🎓💰 If you don't need your full current-year federal tuition amount, you may be able to transfer part of the unused amount to an eligible family member, subject to applicable limits and conditions. 👉 Amounts you don't use or transfer may generally be carried forward to a future year. Be sure to report your eligible tuition when filing your tax return and keep your T2202 or other applicable official tuition certificate for your records. 💡 Québec residents: Provincial tuition tax credit and transfer rules differ from the federal rules, so it's important to consider both when filing. #TuitionTaxCredit #Students #StudentTaxes #CanadianTaxes #TaxTips #TaxCredits #UniversityStudents #CollegeStudents #TradeSchool #TaxPlanning

Yesterday, September 15, was an important estimated-tax deadline—and it should serve as a reminder for college athletes earning NIL or other self-employment income. Getting paid is exciting. Getting surprised by a tax bill is not. Depending on how your income is structured, taxes may not automatically be withheld from your payments. That means part of the money in your account may eventually belong to the IRS or your state. A few habits can make life easier: ✅ Track every source of income ✅ Save contracts, receipts and tax forms ✅ Keep business and personal spending organized ✅ Consider setting aside part of each payment ✅ Work with a qualified tax professional Every athlete’s situation is different, but waiting until tax season to get organized can make an already busy schedule even more stressful. Your NIL opportunity should help you move forward—not leave you scrambling later. #NIL #StudentAthletes #TaxPlanning #FinancialLiteracy #CollegeAthletics This is general educational information and is not tax advice. Consult a qualified tax professional regarding your individual circumstances.

🚌 Don’t miss the bus on back-to-school tax savings! 📚 Here are 3 education tax benefits worth knowing about: 1️⃣ American Opportunity Tax Credit (AOTC): Up to $2,500 per eligible student, with up to $1,000 potentially refundable. 2️⃣ Lifetime Learning Credit (LLC): Up to $2,000 per tax return for eligible education expenses, including qualifying job-skill courses. 3️⃣ Educator Expense Deduction: Eligible K–12 educators may be able to deduct qualifying out-of-pocket classroom expenses without itemizing. Want to make sure you’re not leaving potential tax savings on the table? Read our full guide 👇 https://lnkd.in/g6pypYfK #TaxTips #BackToSchool #EducationTaxCredits #PerfectBalanceAccounting #TeacherTaxTips