Author: Taylor R. Schulte
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Do You Need a Trust? Estate Planning Basics for Retirees
/ January 3rd, 2026
Retirement is a natural point to tighten the way your estate plan is built. You have worked for years to build savings and protect your lifestyle, and now the focus shifts toward how those resources move and who can act on your behalf. Clear direction lowers the chance of delays, conflict, or costly mistakes. For
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What to Do After Inheriting Assets: Step-Up in Basis, Titling, and Taxes
/ January 2nd, 2026Receiving an inheritance often brings a mix of emotions, including gratitude, grief, and the weight of new decisions. You might be sorting through memories at the same time you’re opening account statements and property records. That mix can make it tempting to act fast, yet a little patience can preserve value and reduce future surprises.
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Part-Year California Residency: Smart Tax Planning for Retirees Who Relocate
/ January 1st, 2026Relocating in retirement can feel like a fresh start: lower living costs, closer family, better weather, or a slower pace. Yet the financial side of a move often hinges on one sneaky detail – residency. Get that detail wrong, and you can be paying high taxes longer than you expected, even after you’ve unpacked the
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Retiring in San Diego? Here’s How to Minimize Taxes on Your Retirement Income
/ September 22nd, 2025
San Diego has long been a magnet for retirees, and it’s easy to see why. With its temperate climate, beautiful beaches, vibrant cultural scene, and top-tier healthcare options, it offers an ideal lifestyle for those in their golden years. But paradise comes at a price. California is known for its relatively high tax burden, and
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California Inheritance Tax: What Residents Need To Know
/ September 13th, 2025Think California inheritance tax is going to take a bite out of what you inherit? Here’s the surprising truth: California doesn’t have an inheritance tax. But don’t relax just yet. Federal estate taxes, property tax reassessments under Prop 19, and even out-of-state inheritance rules can still shrink what ends up in your pocket. In other
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California Estate Tax: Rules, Rates, and Planning Tips
/ September 12th, 2025Most people assume the California estate tax is just another cost of living in the Golden State. But here’s the surprise: California doesn’t currently have a state-level estate tax. Sounds like good news, right? Not so fast. Federal estate taxes can still take up to 40% of large estates, and if you own property in
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How to Freeze Your Credit: A Comprehensive Guide for 2025
/ January 4th, 2025
In this article, I’m sharing step-by-step how to freeze your credit. I’m also answering common questions such as: What is a credit freeze Why freeze your credit How do you unfreeze your credit With data breaches and identity theft rising, everyone must learn how to tackle this important task. This guide contains everything you need
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How to Lower Taxes in Retirement: A Step-by-Step Guide (2025 Updated)
/ January 1st, 2025Recently, a new client visited our office. He had a good problem: he had saved too much money! With most of his money in a traditional IRA account, he was worried about the taxes. He came to us wanting to know how to lower taxes in retirement. Fortunately, there are many ways to lighten taxes in retirement
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Cybersecurity: How to Protect Yourself Online
/ August 30th, 2023Why is cybersecurity so important? The internet is fraught with scammers and rip-offs. And since our entire lives live online, it’s more important than ever to learn how to protect yourself. Cybersecurity 101: Use Complex Passwords When it comes to playing it safe online (read: best cybersecurity practices), one of the best ways to protect
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Annuitization Explained: What Does Annuitize Mean + Should You Do It?
/ August 3rd, 2023Today I’m explaining annuitization and what it means to annuitize a policy. Contrary to what many people think, annuities and annuitization are not the same. And confusing them can cause BIG problems for your retirement plan. So if you want to learn exactly what annuitization is and if you should annuitize, you’re going to love
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