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Rethinking 529 Plans: Can They Be Used for More Than Just College?  Thumbnail

Rethinking 529 Plans: Can They Be Used for More Than Just College?

For years, 529 plans were known as a smart way to save for college expenses. They offered tax-free growth and withdrawals when used for qualified higher education costs, making them a go-to for many families looking to plan ahead for tuition. But recent legislative changes have broadened the scope of how these plans can be used—making them even more versatile. At Seaside, we’ve been keeping a close eye on how these updates could open new planning opportunities. Whether you’re currently using a 529 or considering starting one, here’s what you need to know.

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Discover How Strategic Tax Planning Can Help You Minimize Taxes on Social Security, Pensions, and Withdrawals from Retirement Accounts  Thumbnail

Discover How Strategic Tax Planning Can Help You Minimize Taxes on Social Security, Pensions, and Withdrawals from Retirement Accounts

If you’re approaching or already in retirement, you’ve probably spent decades saving and investing. But here’s something that often catches retirees off guard: how much they’ll owe in taxes. Without careful planning, withdrawals from retirement accounts, Social Security benefits, and pension income can combine to create an unexpected tax bill and even impact your healthcare premiums. Learn how a proactive approach to tax planning can help you protect more of your retirement income and avoid common tax pitfalls.

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The Smart Way to Handle Dividend Taxes in Retirement  Thumbnail

The Smart Way to Handle Dividend Taxes in Retirement

Dividend investing is a popular way to generate income and build long-term wealth, but if you’re not careful, you could be giving a big chunk of that income to Uncle Sam. In this article, we’ll walk through a real client case study and unpack the key strategies you can use to reduce taxes on dividends, optimize your portfolio, and keep more of your income working for you.

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Ensuring a Secure Retirement: Strategies to Never Run Out of Money  Thumbnail

Ensuring a Secure Retirement: Strategies to Never Run Out of Money

At Seaside Wealth Management, we understand that one of the greatest fears facing retirees is the possibility of outliving their savings. Ensuring that your money lasts throughout your retirement requires careful planning and consideration of numerous factors. Today, we’ll share key strategies to help you achieve financial security and peace of mind in your golden years. From understanding longevity and managing living expenses to making smart investment choices and timing your Social Security benefits, we’ve got you covered!

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Why You Should Rollover Your Old 401(k) When You Retire or Change Jobs Thumbnail

Why You Should Rollover Your Old 401(k) When You Retire or Change Jobs

Deciding what to do with your old 401(k) when you retire or change jobs can feel overwhelming, but it’s a crucial decision that can significantly impact your financial future. Rolling over your 401(k) into an IRA offers numerous benefits that can enhance your investment experience and help you achieve your retirement goals. Here’s why you should consider rolling over your old 401(k):

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