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Cogent Commentary



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Options for Charitable Giving Under New Tax Laws

No matter how the 2017 Tax Cuts and Jobs Act (TCJA) may alter your tax planning, we’d like to believe one thing will remain the same: With or without a tax write-off, many Americans will still want to give generously to the charities of their choice. After all, financial incentives aren’t usually your main motivation for giving. Enter the donor-advised fund (DAF) as a potential tool for continuing to give meaningfully and tax-efficiently under the new tax law.

Charitable Giving Tax Planning Financial Planning
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In Defense of the Home Mortgage: Not all Debt is Bad Debt

Bottom line, while we hope your home gives you comfort, joy and security, the money you put into this highly undiversified holding is often more like an expense than an investment. Think of it as the price paid for all that comfort and joy, whether or not it appreciates in financial value. So, when you are considering the highest use of your investable assets, your affordable home is usually best positioned toward the lower end of the places you want to lock up your equity.

Tax Planning Investment Management Financial Planning