Financial Resource Library
Financial decisions often involve more than one consideration. Taxes, retirement income, investments, estate planning, family circumstances, and personal goals can all affect the answer. Our Financial Resource Library is designed to help you better understand common financial decisions and prepare for more productive conversations with your advisor.
20 guides
Taxes & Charitable Giving
Moving money from a pre-tax retirement account to a Roth IRA generally creates taxable income today in exchange for the potential for tax-free qualified withdrawals later. Whether it makes sense depends on your tax circumstances, time horizon, and broader financial plan.
Read the GuideFamily & Legacy
Each account serves a different purpose. Education goals, earned income, taxes, control of the assets, and when the child should receive the money can all affect the decision.
Read the GuideRetirement
Claiming earlier generally means receiving income sooner with a smaller monthly benefit, while delaying can increase the monthly benefit. Health, longevity, marital status, taxes, and other income can all influence the decision.
Read the GuideRetirement
Higher income can result in additional Medicare Part B and Part D charges. Roth conversions, retirement distributions, and realized capital gains are among the decisions that can affect those costs.
Read the GuideInvestments & Accounts
Leaving money in the existing plan, moving it to a new employer plan, rolling it to an IRA, or taking a distribution can each have different advantages, costs, tax consequences, and trade-offs.
Read the GuideFamily & Legacy
Inherited retirement accounts follow their own rules, and those rules depend heavily on your relationship to the person who passed away.
Read the GuideFamily & Legacy
Beneficiary designations usually control who receives an account — regardless of what your will says. They deserve a scheduled review.
Read the GuideFamily & Legacy
A calm, staged checklist for the weeks and months after the loss of a spouse—focused on what may need prompt attention, what can usually wait, and where professional guidance may help.
Read the GuideInvestments & Accounts
The value shown for a structured note can move during its term even when the investor continues to receive the expected coupon. Understanding the difference between an interim market value and the note's contractual maturity terms can help put those fluctuations in context.
Read the GuideFamily & Legacy
Without a plan, South Carolina law may determine who receives certain assets and who handles your affairs. Learn how wills, trusts, beneficiary designations and incapacity planning work together — and why waiting can create unnecessary complications for your family.
Read the GuideRetirement
Care needs can change where you live, how your family helps, and how retirement savings are used. Understand care settings, coverage limits, funding choices, and the conversations worth having before help is needed.
Read the GuideRetirement
A retirement target starts with the life you want to fund, the income you can expect, and the uncertainty your plan needs to absorb—not a single universal savings number.
Read the GuideRetirement
A retirement paycheck can come from several sources. Coordinate their timing, taxes, liquidity, and investment risks so withdrawals serve the household's spending plan.
Read the GuideRetirement
RMDs are minimum withdrawals required from certain retirement accounts. The applicable start date, calculation, and account-by-account rules matter as much as the amount.
Read the GuideFamily & Legacy
Prepare with your parent, not just for them. Respect their preferences while organizing support, financial information, legal authority, and a realistic plan for family caregivers.
Read the GuideInvestments & Accounts
Retirement risk involves both market losses and the risk that money loses purchasing power. Match investments to withdrawals, time horizons, and the household's ability to adapt.
Read the GuideInvestments & Accounts
Use a calm checklist to review liquidity, spending, diversification, and changed circumstances before making investment decisions during a decline.
Read the GuideTaxes & Charitable Giving
Taxable, traditional, and Roth accounts serve different roles. A coordinated withdrawal plan considers current and future taxes, required distributions, benefits, and family needs rather than following a blanket order.
Read the GuideTaxes & Charitable Giving
A QCD can allow an eligible IRA owner to transfer funds directly to an eligible charity and exclude the qualifying amount from income. Age, processing, limits, and documentation all matter.
Read the GuideTaxes & Charitable Giving
Realizing investment losses in a taxable account may offset gains, subject to tax rules. Review wash sales, replacement investments, costs, and future tax basis before trading.
Read the GuideTrusted external resources
Financial rules, limits, and programs change over time. These independent government and regulatory resources can help you find current information directly from the source.
Benefit estimates, claiming ages, and survivor benefits
Enrollment windows, coverage, and premium costs
Forms, current contribution limits, and distribution rules
Investor education from the SEC
External websites are provided for convenience and informational purposes. Wealthspan Investment Management is not affiliated with these organizations and is not responsible for their content.
Please do not send Social Security numbers, account numbers, passwords, or other sensitive financial information by email. Contact us to arrange an appropriate secure method for transmitting confidential information.
Next step
Financial decisions are personal. If one of these resources raises a question about your own circumstances, Rob would be happy to discuss it with you.