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3 Ways a Financial Advisor Can Help You With Tax Strategies

tax strategies

They say there’s no such thing as a free lunch, but what about a tax-deductible lunch? While many of your income sources can be taxed, there are strategies to minimize your overall tax burden before and in retirement. One of the advantages of going to one professional for all of your financial planning needs is…

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Epstein & White Welcomes Micah Cummins!

Certified Financial Planner

Micah R. Cummins is an Associate Advisor at Epstein & White Retirement Income Solutions, LLC. Micah is a Certified Financial Planner™ and holds a bachelor’s degree in financial services from San Diego State University. Micah is an Investment Advisor Representative with his Series 66 license. Micah is in his 15th year practicing financial services. He…

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3 Tips for Staying Put in Retirement

aging in place

It’s easy to fall into the trap of following a script when it comes to retirement, especially if you’re unsure of how to create your own plan. This “script” can dictate a retirement age, lifestyle, and even important financial decisions. For example, many people assume that they should downsize in retirement or even move to…

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3 Ways to Help Prevent Identity Theft This Tax Season


In 2019, return preparer fraud was one of the 12 most common tax scams.[1] Digitization has made tax preparation easier, but has also opened up a whole new world of criminal activity. While there’s not much we can do to stop these threats entirely, there are certainly ways that we can all be smarter and…

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4 Valentine’s Day Tips

Happy Valentine’s Day! Whether this is your first with your significant other or your 50th, there are always new ways to celebrate. Although Americans will spend about $27.4 billion this Valentine’s Day[1], there’s no reason why a great Valentine’s Day activity can’t be free. Here are 4 Valentine’s Day Tips for you this year. Celebrate…

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Why You Might Need to Adjust Your Withholding

tax strategies

One truth becomes apparent at tax time: Taxes are complicated. Even if the tax code were to never change, your bracket, filing status, or withholding might. Common life events like marriage, divorce, and your children leaving the nest can mean that you need to adjust your withholding. Knowing when to adjust your withholding is an…

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3 Reasons to Thank Your Aging Brain

Don’t hate your aging brain just because it takes it a bit longer to figure out the crossword or remember a name. According to a Harvard Medical School report, this slower thinking actually shows that the brain is working better. Many people reference the fact that teenagers have poor decision-making skills due to their not…

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What You Need to Know About Social Security Changes in 2020

Social Security

10,000 Baby Boomers are turning 65 every day[1], and Social Security will soon start to pay out more than it takes in.[2] While it’s unlikely that the government will ever get rid of the program, there will likely be some changes in the coming years. It’s important to understand the system and to work closely…

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