Canopy Wealth Management

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Tax-efficient Charitable Giving with Appreciated Securities

At Canopy Wealth Management, we aim to make your charitable giving as tax-efficient as possible. One of the simplest ways to do that is to donate shares of appreciated securities.

Should You Opt for QCDs to Make Your Charitable Giving Tax-friendly?

At Canopy Wealth Management, we help clients keep tax efficiency top-of-mind. The same focus applies to charitable giving. After the Tax Cuts and Jobs Act of 2017 changed the standard deduction rules, a whopping 90% of payers no longer get a deduction for charitable donations -- This is when QCDs may come into play for you.

Is a Donor-advised Fund Right for Your Tax Plan?

At Canopy Wealth Management, we aim to make your charitable giving as tax-efficient as possible. One option to explore is contributing to a Donor-advised Fund (DAF).

A Roth Conversion in Retirement Can Optimize the Tax Efficiency of Your Portfolio

At Canopy Wealth Management, we know how crucial it is to maximize tax efficiency when it comes to your retirement distribution plan. That's why we spend quite a lot of time evaluating current tax scenarios, identifying opportunities within certain tax brackets, and whether a Roth conversion is the best strategy for clients entering retirement.

How an HSA May Give Your Retirement Savings a Boost

At Canopy Wealth Management, we work with clients to maximize tax-efficient savings ahead of retirement. One strategy to consider is optimizing a Health Savings Account (HSA).

Teach Kids the Value of Saving and Investing with a Roth IRA of Their Own

At Canopy Wealth Management, clients often tell us they wish they'd started saving for retirement earlier in life. You can help your kids get a better start to their future plans with a minor Roth IRA. It's a great option for kids under 18 who have an earned income to learn how the stock market works and contribute to their own retirement.

Is a UTMA Account Right for Your Kids?

At Canopy Wealth Management, our clients with school-aged kids often ask about ways to get started on saving and investing for them. UTMA accounts (or uniform transfer to minor accounts) are a great option for parents who want to start investing money for their children without a specific requirement to use it solely on education.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

ERn Financial, LLC, d/b/a Canopy Wealth Management (“Canopy”) is an investment adviser registered with the SEC. Additional information about Canopy is available on the SEC’s website at www.adviserinfo.sec.gov. Registration does not imply any level of skill or training. The material in this advertisement is provided for informational purposes only. It does not constitute and should not be relied upon as specific or individualized financial, investment or tax advice/recommendations, nor as a solicitation to effect, or attempt to effect, transactions in securities. Not all investment products and services are suitable for everyone, including those offered by Canopy. Canopy cannot provide advice or recommendations unless it is provided with all relevant and accurate information regarding an investor’s financial goals and circumstances. Different types of investments involve varying degrees of risk, including the possible loss of principal. There can be no assurance that any investment will be achieve its objectives or be profitable. Past performance is not indicative of future results.