Benefit Financial Services Group

10/05/2026

When it comes to finances, it’s tempting to keep our cards close to our chest. Here’s how to open up the conversation — you might be surprised where it goes...

10/01/2026

The 0.1% are worth $28 trillion, or about 15% of the nation’s total wealth. The average wealth for a household in this group is over $200 million.

10/01/2026

Turning 65 comes with cake, cards, and... a Medicare deadline. 🎉🩺

Here's what actually matters:

📅 Initial Enrollment Period = 7 months (3 before your birthday month + that month + 3 after)
💼 Still working? You may be able to delay Part B penalty-free — IF your coverage is through current employment
⚠️ COBRA is NOT active employer coverage for Part B timing — waiting for it to end can cost you your window
🏥 Original Medicare vs. Medicare Advantage — different structures, different trade-offs
💳 Enrolling in Medicare zeroes out your HSA contribution limit — starting that month

Miss the window without a qualifying exception, and late-enrollment penalties can last a very long time.

Check out the blog for the full details: https://na2.hubs.ly/H080cch0.

Educational content only. This is not insurance, tax, or legal advice — Medicare decisions depend on your specific coverage and circumstances.

09/30/2026

Beyond the physical damage, a virtual storm of misinformation, deepfakes, and conspiracy theories erupted, leaving an enduring legacy. What are the leadership lessons?

09/28/2026

Failed to get tickets for your favourite gig? That’s when Fomo strikes, leaving you at the mercy of scammers just waiting to prey on disappointed and desperate fans

09/28/2026

Nobody loves a red position. But it might love you back at tax time. 😅

Tax-loss harvesting, without the jargon:

📉 Sell an investment for less than you paid = realized capital loss
⚖️ Use that loss to offset capital gains
💵 Losses left over? Deduct up to $3,000 ($1,500 if married filing separately) against other income
⏭️ Extra losses carry forward to future years — they don't expire
🚫 Buy back the same (or a "substantially identical") investment within 30 days? Wash-sale rule says no deduction

The catch: this is a tax tool, not an investing strategy. Don't let the tax tail wag the portfolio dog.

Check out the blog for the full details: https://na2.hubs.ly/H080c7K0.

Educational content only. Not individualized investment or tax advice. Investing involves risk, including loss of principal.

09/27/2026

Flights and hotels are now customary expenses to attend some weddings, in addition to gifts. But invitations aren’t obligations. Here's a guide from the Wall Street Journal.

09/24/2026

Crypto feels new. The IRS's rules? Not so much. 👀

Here's crypto tax in one scroll:

💰 Buy & hold = no tax (yet)
🔁 Swap one coin for another = taxable event
🛍️ Spend crypto on a coffee = taxable event (yes, really)
⚡ Staking rewards = ordinary income the moment you control them
🔄 Wallet-to-wallet transfers you own = generally not taxable

The IRS treats digital assets as property — so trades, swaps, and spends can all create a gain, loss, or income. And with Form 1099-DA now phasing in (gross proceeds since 2025, basis reporting starting 2026), your activity is getting easier for the IRS to see, too.

The real key: cost-basis tracking. Know what you paid, when, and for what — before December, not during your return.

Check here for the full post: https://na2.hubs.ly/H080c6z0

Educational content only. Not individualized tax, legal, or investment advice. Talk to your tax professional about your specific situation.

09/24/2026

Howard Marks has a message for investors worried about how America's fiscal situation could impact markets: don't dump your stocks.

09/23/2026

One family is fighting a $736 million gift tax bill on its GRATs while the popular trusts proliferate.

05/29/2026

🎓 Happy National 529 Day!

Did you know SECURE 2.0 created a new path for unused 529 education savings? For the first time, certain unused 529 funds can be rolled into
a Roth IRA — giving your overfunded college account a second life. 💰

Swipe through our full guide to see:
✅ How the 529 → Roth IRA rollover works
✅ The 5 requirements you must meet
✅ 2026 rollover limits ($35K lifetime / $7,500/year)
✅ How employers can now match student loan payments
✅ Why state taxes matter — a lot

⚠️ These rules are complex and state tax treatment varies. Talk to a financial advisor before making any moves.

👇 Save this post and tag a parent who needs to see this!

🔗 Full blog post at https://na2.hubs.ly/H05P8DT0

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💼 Benefit Financial Services Group | Fiduciary Advisory Services
📍 https://na2.hubs.ly/H05P9jL0 | See link in bio for full disclosures.

Our BFSG Blog contains valuable information about your goals and our services.

07/29/2025

Are you truly ready for retirement? In this informative webinar replay, we’ll walk you through the key steps to feel more confident about your financial future. Whether you’re nearing retirement or just starting to plan, this session will help you:

✅ Prepare your savings for retirement
✅ Make the shift from saving to spending
✅ Identify income sources in retirement for future expenses
✅ Understand the biggest retirement concerns—and how to address them

This session is packed with practical insights to help you build a personalized, resilient retirement plan.

📌 Watch now to take control of your financial future.

https://na2.hubs.ly/y0DxHS0

Are you truly ready for retirement? In this informative webinar replay, we’ll walk you through the key steps to feel more confident about your financial futu...

07/22/2025

On July 4, 2025, President Donald Trump signed the “One, Big, Beautiful Bill” (OBBB) into law, introducing major updates to the U.S. tax code for 2025 and 2026. The OBBB offers several provisions that may benefit you. We are still uncovering what is included in this bill and how it will impact individuals and our economy in the long term, but for now, I’ve summarized the key perks you might find applicable.

On July 4, 2025, President Donald Trump signed the “One, Big, Beautiful Bill” (OBBB) into law, introducing major updates to the U.S. tax code for 2025 and

07/18/2025

As more companies start to embrace AI, we will see the ramifications of it more clearly. And there is no better example of a traditional business embracing AI than Kura Sushi.

The Wall Street Journal reported that almost 30% to 40% of the work being done at Salesforce is being done by artificial intelligence (AI) machines. As more

07/16/2025

Benjamin Graham’s Basic Tenets for Being a Successful Investor and Ours Too!

1. Margin of Safety