At Moyer Tax Services, we believe that helping clients make informed financial decisions starts with a strong understanding of taxes and how they connect to the bigger financial picture. Our lead tax professional, Caleb Moyer, has been quoted in nationally recognized publications, including The Wall Street Journal, Forbes, Kiplinger, MoneyWise, and MoneyLion. His contributions cover topics ranging from tax planning and retirement strategies to investing and other important financial decisions. Below, you can explore articles featuring Caleb's insights and perspectives on issues that affect individuals and families across the country.
Caleb discusses the tax planning opportunities and healthcare challenges that come with early retirement. He explains how strategic Roth conversions and capital gains planning can help retirees take advantage of lower tax brackets while managing the impact on health insurance subsidies.
Read the Full ArticleCaleb evaluates whether a 64-year-old with $1.6 million in savings can comfortably retire, even with potential Social Security reductions. He explains the importance of stress-testing retirement plans and shares his 3-5-7 strategy for managing investment risk during retirement.
Read the Full ArticleCaleb shares his perspective on investing $1 million, emphasizing diversification and the importance of matching investments to financial goals and time horizons. He explains why stocks can offer attractive long-term growth while cautioning against exposing money needed in the near future to market volatility.
Read the Full ArticleCaleb explains common Form 1099-R reporting mistakes that can lead to unnecessary taxes or penalties. He highlights important considerations involving retirement account rollovers, early withdrawal exceptions, qualified charitable distributions, and Roth conversions.
Read the Full ArticleCaleb clarifies the federal gift tax rules surrounding a $30,000 gift to a grandchild for a home down payment. He explains why exceeding the annual gift tax exclusion typically creates a reporting requirement rather than an immediate tax liability, and why families shouldn't unnecessarily complicate their gifting plans.
Read the Full ArticleCaleb discusses the importance of establishing a sustainable retirement withdrawal strategy and understanding how long retirement savings may last. He highlights sequence-of-returns risk, explaining how market declines early in retirement can have lasting consequences when retirees are withdrawing from their investments.
Read the Full ArticleCaleb explains how additional income from a retirement side hustle can create unexpected costs beyond traditional income taxes. He highlights how even a modest increase in earnings can push retirees above Medicare's income-related adjustment thresholds (IRMAA), resulting in significantly higher Medicare premiums.
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