Ruby Financial Planning, LLC

If you have a large capital gain from investment accounts or properties, selling a business, doing a Roth conversion...you don't have to just accept paying the capital gains tax. The gains can be eliminated or reduced. CALL ME!

How are capital gains taxed? How are capital gains taxed? Capital gains are profits from the sale of a capital asset, such as shares of stock, a business, a parcel of land, or a work of art. Capital gains are generally included in taxable income, but in most cases, are taxed at a lower rate. A capital gain is realized when a ca...

Please stop leaving your cash in a bank savings account. There are so many good high-yield savings accounts available for your cash.

5 smart ways to use a high-yield savings account High-yield savings accounts are known for their competitive interest rates. So what's the best way to use a high-yield savings account? Here are five options to consider.

It's been great if you own an equal weight S&P fund, but even better is that it's a good sign for the health of the US stock market.

Why ‘equal weight’ S&P 500 funds are having a moment—and are up almost 16% this year alone RSP has topped $100 billion in assets as it outpaces a cap-weighted S&P 500 that's exposed when Big Tech stumbles.

I love this advice. This is real life, tangible, easy to implement advice. Nothing crazy or gimmicky. If you get these decisions right, you'll be way ahead in the game of financial life.

7 Financial Decisions You Need to Get Right 1. Who You Marry The biggest financial decision you’ll ever make isn’t what you invest in, it’s who you build your life with.

Target date funds absolutely solve a problem...but they can definitely become a problem as well.

Target-date funds are booming. But are they still right for your retirement? Target-date funds are a retirement saver's go-to, but advisers have concerns for those nearing retirement.

September Fed meeting should be VERY interesting...

The bond market is daring the Fed to hike: Chart of the Day Wall Street is backing away from a September Fed hike. The bond market is going the other way.

My favorite advice in this article: pick a card with benefits you know you'll use. For my family, thanks travel sports, having a card tied to a national hotel chain has added massive financial value.

Are credit cards with annual fees worth it? Is a credit card annual fee worth it? It depends on whether you can get enough value from your card to offset the yearly cost.

The stock market gets all the attention, but the bond market impacts us all just as much, if not more than the stock market.

What soaring Treasury yields mean for your finances Bond yields rise as bond prices fall, impacting everything from stock and bond markets to loan rates and savings returns.

If you live in Kentucky, recent law changes have thrown estate plans into chaos. Remarrying now carries very different risks than it had previously...beyond social security considerations.

If I marry my girlfriend, 67, will she lose her Supplemental Security Income and divorced spouse benefits? “She has been living with me for four years.”

I personally agree with these 3...seems like the Fed is always late to the party and I can't shake the feeling they're about to be late again.

Here's why the 3 dissenters on the Fed wanted to raise interest rates Three Federal Reserve members who wanted the central bank to raise interest rates this week weighed in on Friday with their rationale.