• Written by James Twining
• Categorised Articles, Insurance

Medicare is the federal health insurance program for people: Who are 65 years or older. Have certain disabilities or end-stage renal…

• Written by James Twining
• Categorised Articles

The last time I checked, there is one face on our dollar bill: that of our great President George Washington. However,…

• Written by James Twining
• Categorised Articles, ROTH, Taxes

American households are drowning in consumer debt, with the Federal Reserve Bank reporting a new record of over $1.13 Trillion in…

• Written by James Twining
• Categorised Uncategorized

Note: While some information in this article is specific to BP employees, the points about the three tax wallets may be…

• Written by James Twining
• Categorised Articles, Taxes

Future assumed income tax brackets are a major consideration when making current decisions, such as the decision to convert a traditional…

• Written by James Twining
• Categorised Uncategorized

By James B. Twining, CFP® and Tor Benson, CFP® The decision to make a Roth conversion can be extremely impactful, warranting…

• Written by James Twining
• Categorised Articles, Taxes

On December 29th, 2022, the SECURE 2.0 ACT was signed into law. It includes a few provisions that are beneficial for…

• Written by James Twining
• Categorised Articles, Newsletters

In 1980, the inflation rate peaked at 13.5%; higher than it had been in 60 years. The miserable economic conditions of…

• Written by James Twining
• Categorised Taxes

The latest tax news from Washington State includes a long- term care tax on W2 income. For details, please refer to…

• Written by James Twining
• Categorised Articles, Stock Market

If 2020 taught personal investors anything, it’s that managing your own investment portfolio is a dangerous game. The typical DIY-investor relies…

• Written by James Twining
• Categorised Articles, Stock Market

Every so often, something occurs that changes the way we invest, and we think it best to keep our clients informed…

• Written by James Twining
• Categorised Articles, Stock Market

At Financial Plan, we are analytical to a fault when evaluating investments.  We continually ask the question: “Are we populating our…

• Written by James Twining
• Categorised Articles, Stock Market

If you have been paying attention, you know how much we believe in equity markets. Our clients who have a long…

• Written by James Twining
• Categorised Stock Market

Recently, I ran across this article from Dimensional Fund Advisors. It contains insight into the difference between a price-weighted index like…

• Written by James Twining
• Categorised Articles, Stock Market

The term “expected return” is in wide use among financial planners. To the layman it carries misleading connotations: most assume that…