Helpful Strategy Links | David Kinder Insurance and Financial Wealth Solutions

Helpful Links and Documents

This Page is Best Viewed on a Standard Computer or Tablet Browser

Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to.

Listing these links does not constitute expertise in any and all content provided in these links.

Internal Revenue Service: (https://www.irs.gov)

Form W-4 Employee Tax Withholding Allowance Form
Sample IRS Special Tax Notice 402(f) - Special Tax Rules on Distributions (2020)
IRS 1040 Instructions
U.S. Federal Income Tax Rates history 1862-2013 (Nominal and Inflation-Adjusted Brackets)
IRS Withholding Calculator (Updated for 2018)
- Paycheck City Salary Calculator
IRS - Life Insurance & Disability Insurance Proceeds
IRS - Required Minimum Distribution Worksheets
- IRA Required Minimum Distribution Worksheet (for most people)
IRS - Retirement Plans FAQs regarding Hardship Distributions
Form 1099-R
Income and Outlays of Government Spending: (published every 2 years and found in 1040 instructions)
- PDF: 2018, PDF: 2016, PDF: 2014, PDF: 2012, PDF: 2010, PDF: 2008, PDF: 2006
CARES ACT (Coronavirus Relief) regarding IRS Retirement Plan access - IRS Notice 2020-50
IRS Form 3125 - The IRS does not approve IRA investments (or investments of any kind)
- Anybody who claims otherwise is not marketing themselves appropriately or compliantly.
IRS Form 5329 - Additional Taxes on Qualified Plans (including IRAs) and other tax-favored accounts

California Franchise Tax Board (https://www.ftb.ca.gov/)

IRS Publications:

General Taxation:
Children and Education:
Retirement Plans:
Investments & Rental Real Estate:
Homeowners:
- 936 - Home Mortgage Interest Deduction
- Sample Tax Form 1098 Mortgage Interest Statement
  - NOTE: For 2018, home equity loans/lines of credit will no longer issue these statements because home equity interest is no longer deductible!
- 530 - Tax Information for Homeowners
- 523 - Selling Your Home
- 547 - Casualties, Disasters, and Thefts
- 584 - Casualty, Disaster, and Theft Loss Workbook
- 926 - Household Employer's Tax Guide (This can help you pay someone to care for you if you need care!)
Business Owners:
- 15 - Employer's Tax Guide (Circular E)
- 15-b - Employer's Guide to Fringe Benefits
- 334 - Tax Guide For Small Business
- 463 - Travel, Entertainment, Gift, and Car Expenses
- 535 - Business Expenses
  - Note page 3 Introduction: "Business expenses are the costs of carrying on a trade or business, and they are usually deductible if the business is operated to make a profit."
  - Note page 13 Interest: "Business interest expense is an amount charged for the use of money you borrowed for business activities."
- 537 - Installment Sales
- 550 - Investment Income and Expenses
- 587 - Business Use of Your Home
Medical Expenses:
Charitable Contributions:
- 526 - Charitable Contributions
- 561 - Determining The Value of Donated Property
Other:
- 4345 - Taxability of Settlements from Lawsuits

Social Security (https://www.ssa.gov/)

mySocial Security - Sign In or Create An Account
Social Security: Information for Financial Planners
Social Security Disability Planner: How You Qualify
Social Security Retirement Estimator
Social Security Retirement Planner: Plan For your Retirement
Social Security Retirement Benefits: Up to 85% of Your Benefits May be Included in Taxable Income
Social Security Retirement Benefits: Getting Benefits While Working (Earnings Limitations)
Social Security History Taxation of Benefits
- Note: Income limits for including your Social Security retirement benefits into your income taxes haven't changed since 1983 and minor adjustments in 1993..
CalcXML: How Much Of My Social Security Benefit May Be Taxed Calculator
What Every Woman Needs To Know About Social Security
Social Security - Information for Government Employees
Social Security - IRMAA (Income-Related Monthly Adjusted Amount) Sliding Scale Tables that adjust your Medicare Part B monthly premiums based on higher retirement incomes.
- What You Can Do if You Think Your Medicare Income-Related Premium is Incorrect
- CNBC: Here's how to appeal higher Medicare premiums
- Request for Reconsideration: SSA-561-U2 form or SSA-44 form
Social Security Retirement Benefits Planner: Deemed Filing For Retirement and Spouse's Benefits FAQs
- Money Magazine: Here's How to Avoid Making a Huge Social Security Mistake

FINRA Financial Capability Studies:

PDF: Financial Capability in the United States 2018
PDF: Financial Capability in the United States 2016
PDF: Financial Capability in the United States 2012
PDF: Financial Capability in the United States 2009
- Notice in all 4 the "willingness to take risks" and how the overall economy was doing at those times.
  This would be considered "buying high to sell low" as people get more comfortable in investing only after markets increase, rather than buying in at the low.
- On page 22 of the 2018 report, you'll see: 2009: 12%; 2012: 17%; 2015: 21%; 2018: 19%

Government Economic & Financial Data:

The Trinity Study or "4% Rule"

Costs of Investing: Just because you don't see these costs on your statement, doesn't mean they aren't there.

FINRA Mutual Fund Analyzer
US Department of Labor: A Look At 401(k) Plan Fees
Investopedia.com - Mutual Funds: The Costs
- This article discusses and breaks down the various costs: The Expense Ratio which includes portfolio manager hiring costs, Distribution and Service Fees (12b-1), account fees, and other expenses. Also discusses loads and shareholder fees.
U.S. News: The Mutual Fund Fees We Don't Talk About
- Asserts that a portion of mutual funds are allocated to cash with an average cost of 1.25% mutual fund expense cost on that cash allocation and 1.44% on transaction costs. This does not include the other disclosed costs as outlined in your various mutual fund prospectuses.
Forbes: The Real Cost of Owning Mutual Funds
- Asserts that Regulated Retirement Account mutual fund costs average about 3.17% and taxable brokerage account mutual fund costs average 4.17%.

401(k) and Investment Considerations:

Milliman Medical Index: Tracks the cost of medical care for a typical family of four. (http://www.milliman.com/mmi/)

Crestmont Research: Financial Market and Economic Research

PDF: Impact Of Losses: Why The First Rule Of Investing Is Also The Second Rule
PDF: CAPTURE!: "Achieve Returns", Not "Beat The Market"
PDF: Waiting for Average: Why The Stock Market will NEVER Achieve the Long-Term Avg Return.
PDF: GDP & Population Growth
- (If population growth doesn't keep up, how will the Government pay for Social Security, Medicare, and other public service programs as the rest of the population ages? Sometimes this ends up being a political talking point as well regarding immigration policies.)

Free Application for Federal Student Aid (FAFSA) (https://fafsa.ed.gov/) and other Student Loan Information:

FAFSA Changes for 2017-2018: Now Allows Aid Applications To Use Up to 2 Years Past Tax Returns (means to do more pro-active planning!)
Expected Family Contribution Formula Guide 2017-2018
CollegeBoard.org Expected Family Contribution (EFC) Calculator
PDF: What Is Considered An Asset And Counts AGAINST You In FAFSA and For Financial Aid
The College Solution: 10 Things You Should Know About Expected Family Contributions
CBSNews: What College Financial Aid Officers Won't Tell You
- Home Equity May Count Against You For Private Colleges.
California 529 Plan (ScholarShare College Savings Plan) has NO State Tax Deduction and IS Included in Financial Aid Calculations.
FA-Mag.com: Paying Tuition Trumps Retirement Savings Survey Finds.
- (There may be much better ways to tackle tuition than this!)
Roth IRA Distributions Count Against Financial Aid
This Is What Happens To Your Student Loans When You Die
Private Student Loans NOT Forgiven At Death of Student: Lenders Refuse to Forgive Dead Woman's $200K Student Loan Debt
Kiplinger: Financial Aid Strategies With A Catch
Kiplinger: College Savings 101: Arguments Against 529 Plans And Alternatives That Might Work Better
How Much Will That Degree Program Be Worth? Before You Start, Check With The Bureau of Labor Statistics: Occupational Outlook Handbook.
Peterson's College Search - Find A College That's Right For You
Federal Student Loan Interest Tax Deduction
- Be careful that if you restructure your student loan with another kind of non-student loan, that you do so with cash flow and interest rates in mind.
IRS Publication 970 - Tax Benefits For Education
FA-Mag.com: Cash Value Life Insurance Could Be A Secret Weapon For College Savings

Helpful Links and Documents

***This Page is Best Viewed on a Standard Computer or Tablet Browser***

​

Listing these links does not constitute expertise in any and all content provided in these links.

​

Internal Revenue Service: (https://www.irs.gov)

Paycheck City Salary Calculator​

IRA Required Minimum Distribution Worksheet (for most people)​

IRS - Retirement Plans FAQs regarding Hardship Distributions​

Income and Outlays of Government Spending: (published every 2 years and found in 1040 instructions)

CARES ACT (Coronavirus Relief) regarding IRS Retirement Plan access - IRS Notice 2020-50​

Anybody who claims otherwise is not marketing themselves appropriately or compliantly.​

​​

California Franchise Tax Board (https://www.ftb.ca.gov/)

​

IRS Publications:

General Taxation:

Children and Education:

Retirement Plans:

590a - Individual Retirement Arrangement (IRA) Contributions​

590b - Individual Retirement Arrangement (IRA) Distributions​

Trivia: Think about this: Who is your "arrangement" with? Who sets the rules? Who dictates how much belongs to them?

IRAHelp: "Age 55 Rule" For Taking Money Out Of A Company Retirement Plan​

3998 - Choosing a Retirement Solution for your Small Business​

4012 - Form 1099 R Roth IRA​

Investments & Rental Real Estate:

Homeowners:​

NOTE: For 2018, home equity loans/lines of credit will no longer issue these statements because home equity interest is no longer deductible!​

Business Owners:

Note page 13 Interest: "Business interest expense is an amount charged for the use of money you borrowed for business activities."

Medical Expenses:

Charitable Contributions:

Other:​

4345 - Taxability of Settlements from Lawsuits​

​​

Social Security (https://www.ssa.gov/)

Note: Income limits for including your Social Security retirement benefits into your income taxes haven't ​changed since 1983 and minor adjustments in 1993..

CalcXML: How Much Of My Social Security Benefit May Be Taxed Calculator​

Request for Reconsideration: SSA-561-U2 form​ or SSA-44 form

Money Magazine: Here's How to Avoid Making a Huge Social Security Mistake​

​​

FINRA Financial Capability Studies:

Notice in all 4 the "willingness to take risks" and how the overall economy was doing at those times.​ This would be considered "buying high to sell low" as people get more comfortable in investing only after markets increase, rather than buying in at the low.

On page 22 of the 2018 report, you'll see: 2009: 12%; 2012: 17%; 2015: 21%; 2018: 19%

​

Government Economic & Financial Data:

​​

The Trinity Study or "4% Rule"

Time for the 3% withdrawal rule? (Actually 2.8%)​

This Page is Best Viewed on a Standard Computer or Tablet Browser

Paycheck City Salary Calculator

IRA Required Minimum Distribution Worksheet (for most people)

IRS - Retirement Plans FAQs regarding Hardship Distributions

CARES ACT (Coronavirus Relief) regarding IRS Retirement Plan access - IRS Notice 2020-50

Anybody who claims otherwise is not marketing themselves appropriately or compliantly.

590a - Individual Retirement Arrangement (IRA) Contributions

590b - Individual Retirement Arrangement (IRA) Distributions

IRAHelp: "Age 55 Rule" For Taking Money Out Of A Company Retirement Plan

3998 - Choosing a Retirement Solution for your Small Business

4012 - Form 1099 R Roth IRA

Homeowners:

NOTE: For 2018, home equity loans/lines of credit will no longer issue these statements because home equity interest is no longer deductible!

Other:

4345 - Taxability of Settlements from Lawsuits

Note: Income limits for including your Social Security retirement benefits into your income taxes haven't changed since 1983 and minor adjustments in 1993..

CalcXML: How Much Of My Social Security Benefit May Be Taxed Calculator

Request for Reconsideration: SSA-561-U2 form or SSA-44 form

Money Magazine: Here's How to Avoid Making a Huge Social Security Mistake

Notice in all 4 the "willingness to take risks" and how the overall economy was doing at those times.
This would be considered "buying high to sell low" as people get more comfortable in investing only after markets increase, rather than buying in at the low.

Time for the 3% withdrawal rule? (Actually 2.8%)