Recent Articles


The moment of truth: our national budget

Slightly less than one-fifth of the federal budget is dedicated to other mandatory programs. These include civilian and military retirement, income support programs, veterans’ benefits, agricultural subsidies, student loans, and other


Do you have a tax summary?

Do you know what the new tax rates are for 2011 or how they effect you? One of the valued services we provide at TRI Financial group for our clients is a tax summary. It gives you a snapshot of your current income, tax bracket, deductions and more. To see


Reducing taxes through discounting

Reducing Transfer Taxes Through Discounting The preceding summary is intended to be a general discussion of the topic presented, and is based on our current understanding of applicable tax laws, regulations and rulings. In actual practice, the transaction discussed may be more complex and will require the attention and expertise


Flexible (ILIT) Irrevocable Life Insurance Trust

Flexible ILIT • An Irrevocable Life Insurance Trust (ILIT) is used to remove the death benefit from the insured’s estate for estate tax purposes. If the insured has an “incident of ownership” in the life insurance policy at death (or within 3 years prior to death) the death benefit value


School Counselors & Advice: What can go wrong

*FREE MP3 & PDF Report* A recently released study by Public Agenda illustrates what can go wrong when there are not enough school counselors to support students …. The result, as this study confirms, is a significantly decreased ability of school counselors to work individually with students in navigating the complex financial aid and college admission process.


Educational Bonds: Pros & Cons

Education Bond Program The Education Bond Program makes the interest on certain savings bonds tax free when the bonds are redeemed to pay qualified higher education expenses or to roll over into a section 529 plan. Eligible bonds include Series EE Bonds issued after December 31, 1989 and all Series


Federal Debt and the Risk of a Fiscal Crisis

From the Congressional Budget Office (CBO) Over the past few years, U.S. government debt held by the public has grown rapidly—to the point that, com- pared with the total output of the economy, it is now higher than it has ever been except during the period around World War II.


Taxable vs Tax Deferred: Why it matters

See the potential benefits of a tax-deferred investment vs. a taxable investments. Depending on your tax bracket it can save or cost you thousands of dollars.


Tax Recovery Act

Summary of the American Recovery and Reinvestment Act of 2009 Provided by: Robert M. Ingram The American Recovery and Reinvestment Act of 2009 was signed into law by President Obama on February 17, 2009. Also known as the economic stimulus package, the American Recovery and Reinvestment Act of 2009 has


When you change jobs: You & your 401k

You MayHave an important decision to make… What to do with your money in an employer-sponsored retirement plan, such as a 401(k) plan. Since these funds were originally intended to help provide financial security during retirement, you need to carefully evaluate which of the following options will best ensure that

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