Financially Free

July 8, 2021 | Alvin Carlos, CFA, CFP®

Blog: SEP IRA vs SIMPLE IRA (For Self Employed)

Are you self-employed or do you run a small business? Would you like to lower your taxes and start saving for retirement? This video teaches you two ways you can do this! At the end, we’ll do a SEP IRA vs SIMPLE IRA comparison to help you decide which is better for you!   

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July 6, 2021 | Alvin Carlos, CFA, CFP®

Public Loan Forgiveness Program

Blog: Can You Rely on Public Service Loan Forgiveness?

Many student loan borrowers spend years paying off their debt, but forgiveness programs can help cut that time down. The Public Service Loan Forgiveness (PSLF) program allows certain federal student loan borrowers to get their loans forgiven after at least 10 years of working in the public sector. While the potential to have your loan […]

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June 25, 2021 | Alvin Carlos, CFA, CFP®

Blog: Roth IRA vs Traditional IRA vs 401(k)

Should you contribute to a Roth IRA, Traditional IRA or a 401(k)? In this video, I’ll share everything you need to know about a Roth IRA, Traditional IRA & a 401(k), to help you decide which contribution to make.

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June 4, 2021 | Alvin Carlos, CFA, CFP®

Blog: FSA vs HSA: Which One Should You Get?

In this blog, we are going to discuss the ins and outs of Health Savings Accounts (HSA) vs Flexible Spending Accounts (FSA). Many people have access to both, and it can help you lower your taxes. If you’re wondering which is better for you, read on for the 13 most commonly asked questions about FSA […]

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May 24, 2021 | Alvin Carlos, CFA, CFP®

donate to charity

Blog: How Much Should You Donate to Charity?

Are you inspired to donate to charity this year, but you’re not quite sure how much to give? There are so many causes that need our support. Hunger, food insecurity, social justice, racial inequality, climate change, fair elections, cure for Alzheimer’s, cure for cancer, refugees, girl’s education, the list goes on. You feel called to […]

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May 18, 2021 | Alvin Carlos, CFA, CFP®

Blog: Solo 401k vs SEP IRA For Self-employed

Are you self-employed and want to invest your savings while lowering your taxes? Maybe you’re a realtor, interior designer, or a TikTok influencer, and you want to finally create your own retirement plan. Is Solo 401(k) or SEP IRA better for you? In this article, I’m going to share a side by side comparison of […]

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May 12, 2021 | Alvin Carlos, CFA, CFP®

Blog: 6 Strategies to Reduce Your Taxes

To significantly reduce your taxes now and in the future, you need to plan ahead. There are several strategies you can adopt to lower your tax bill. When I was studying for the Certified Financial Planner™ certification, I was amazed at the volumes of strategies we are allowed to take to reduce our tax bill. […]

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April 30, 2021 | Alvin Carlos, CFA, CFP®

Blog: 3 Reasons to Choose a Fiduciary Financial Advisor

Finding a financial planner can be tough! Finding one you can trust who works in your best interest can be even more challenging. This video will cover three reasons you will want to choose a fiduciary financial advisor. If you’d like to learn more about how to select a fiduciary financial advisor, schedule a free […]

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April 19, 2021 | Alvin Carlos, CFA, CFP®

Child Tax Credit 2021

Blog: Child Tax Credit 2021: 8 Things You Need to Know

If you have a child, you might get some money this year from the IRS. The American Rescue Plan Act that was signed into law on March 10, 2021 increases the child tax credit and calls for payments to be sent to families. The child tax credit 2021 payments are completely separate from the stimulus […]

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April 19, 2021 | Alvin Carlos, CFA, CFP®

Fee Based Financial Planners District Capital Management

Blog: How to Find Fee-Only Financial Planners

Finding a trustworthy financial planner is like looking for a needle in a haystack. Only less than 10% of financial advisors in the country are required to act in your best interest. Luckily, you’re halfway through your search, after discovering the reasons why fee-only financial planners are the best way to go. Here are three great […]

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