Cinder Insights
“An investment in knowledge pays the best interest.”
— Benjamin Franklin
Tax Planning Is Financial Planning
Why the Right Strategy Can Save You More Than a Good Investment Ever Could Most people think of taxes as a once-a-year headache. Something you deal with in April, file away, and forget. But if you’re serious about building wealth, it’s time to flip that mindset. At Cinder Wealth, we believe tax planning is financial planning —…
Exiting a Business — Without Leaving Money on the Table
You only sell your business once. Make it count. If you’re a business owner thinking about selling in the next few years, you’re already ahead of most. But here’s the truth: exiting a business isn’t just about timing the market or finding the right buyer — it’s about having a plan. A real one. The…
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Why Qualified Accounts Are a Legacy Killer in an Estate Tax Situation
When it comes to building wealth, qualified accounts like IRAs, 401(k)s, and defined contribution plans are often the go-to vehicles. They offer tax deferral, potential growth, and, in some cases, tax deductions on contributions. But while they’re great for accumulation during your lifetime, they can become a tax trap for your heirs if you’re in…
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Mississippi PERS Explained: Retirement for Public Employees
For thousands of public employees across Mississippi—teachers, municipal workers, law enforcement officers, and state agency staff—the Public Employees’ Retirement System of Mississippi (PERS) plays a central role in retirement planning. But while PERS provides a valuable pension benefit, it’s not the whole picture. In this article, we break down the basics of PERS, explore related retirement plans…
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Social Security Planning for Business Owners, part 3
Part 3: Beyond Wages — A Smarter Retirement Strategy for S-Corp Owners Over the last two posts, we looked at how S-Corp wages affect your Social Security benefits, and what happens if you invest your payroll tax savings instead. But those are just two pieces of a much bigger puzzle. For business owners approaching retirement,…
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Making the Most of Your TSP: Smart Moves for Federal Employees and Military Members
Last week, I met with a client who is contributing to the Thrift Savings Plan (TSP)—the federal government’s version of a 401(k). Like many TSP participants, they weren’t sure if they were making the most of their options. Whether you’re a federal employee under FERS (Federal Employees Retirement System), or a service member under the BRS (Blended Retirement System),…
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