Understanding Per Stirpes Beneficiary Designations
“Per stirpes” is a common estate planning term that determines how assets pass to descendants if a beneficiary dies before you. Greenbush Financial Group explains how per stirpes works, compares it to non–per stirpes designations, and outlines why updating your beneficiary forms is critical for ensuring your wishes are honored.
Retiring Before 65? How to Bridge the Health Insurance Gap Until Medicare
Retiring before age 65 creates a major challenge: how to pay for health insurance until Medicare begins. Greenbush Financial Group outlines options including ACA exchange subsidies, COBRA, spouse employer plans, and HSAs—plus key planning steps to manage income, reduce costs, and avoid gaps in coverage.
Putting Your Child on Payroll: Tax Benefits and Planning Considerations for Business Owners
Hiring your child in your business can reduce family taxes and create powerful retirement savings opportunities. Greenbush Financial Group explains how payroll wages allow Roth IRA contributions, open the door to retirement plan participation, and provide long-term wealth benefits—while highlighting the rules and compliance concerns you need to know.
Do Social Security and Pension Payments Automatically Stop After Someone Passes Away?
When a loved one passes away, Social Security and pension payments don’t always stop automatically. Greenbush Financial Group explains how benefits are handled, what survivor benefits may continue, and why notifying the right agencies quickly can prevent overpayments and financial stress.
Special Rules for S-Corps with Employer-Sponsored Retirement Plans
Missing a Required Minimum Distribution can feel overwhelming, but the rules have changed under SECURE Act 2.0. In this article, we explain how to correct a missed RMD, reduce IRS penalties, and file the right tax forms to stay compliant.
How to Correct Missed Required Minimum Distributions (RMDs)
Missing a Required Minimum Distribution can feel overwhelming, but the rules have changed under SECURE Act 2.0. In this article, we explain how to correct a missed RMD, reduce IRS penalties, and file the right tax forms to stay compliant.
Filing a Medicare Income Appeal Form: What You Need to Know
Paying higher Medicare premiums than you should? If your income has dropped, you may qualify to file Form SSA-44 and appeal your IRMAA surcharge. Our guide explains how Medicare’s income-based premiums work, which life events allow an appeal, and how to lower your Part B and Part D costs.
Should You Withhold Taxes from Your Social Security Benefit?
Social Security benefits can be taxable at the federal level—and in some states. Should you withhold taxes directly from your benefit or make quarterly estimated payments? This guide explains your options, deadlines, and strategies to avoid IRS penalties.
