AIM Financial

One of the easiest ways to reduce the size of your taxable estate is to take advantage of your gift tax annual exclusion. For 2026, you can transfer up to $19,000 per recipient gift-tax-free. And you can double the exclusion to $38,000 per recipient if you split the gifts with your spouse. But it’s critical to understand the rules of gift-splitting to avoid unintended tax consequences. To elect to split gifts, the spouse making the gift must file a gift tax return, and the other spouse must consent by checking a box on the return and signing it. Contact us at (616) 855-3300 for additional details

A yard choice can shape daily life. Open fronts feel welcoming, while more enclosure can add privacy and define the space. Think about how you plan to use it.

Big goals feel smaller when broken into steps. For buyers, that means understanding the numbers first, then choosing a home that fits the plan.

Small changes can shift what you qualify for. Paying down balances, avoiding new debt, and organizing documents can improve the numbers lenders review.

Start with a clean checklist. Know your budget, gather documents, and review credit before house hunting. Preparation can make each step faster and less stressful.

Open space is not always the best fit. Think about daily routines, storage, and how you actually use the kitchen before choosing a layout.

Need to get your W2 or other info from the IRS? This guide will help:

How to Get a Copy of Your W-2 From the IRS Learn how to obtain a W-2 transcript or copy from the IRS, request records online, and replace a lost W-2 for taxes or income verification.

A refinance can do more than change a payment. For some borrowers, it can help organize higher-interest debt into one mortgage payment. Compare this to your situation. https://bit.ly/4tR8zhw

Rural homes can be easier to finance. USDA loans are designed for eligible areas and may allow qualified buyers to purchase with no down payment. Learn more. https://bit.ly/4nF73h9

In a competitive market, details matter. Set your price, understand contingencies, and keep your paperwork ready. Small steps can make your offer more workable.