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As covered in our 401(k) – Super Roth article, a Roth IRA offers an attractive tax benefit. But, what do you do if you do not have a 401(k) or your 401(k) does not allow post-tax contributions? The answer is the Backdoor Roth which is the conversion from a Traditional to a Roth IRA. Both the Super Roth and Back Door options are for people who exceed the income limits (single filers that make over $139,000…

In the 21st century, endless information is accessible in the palm of our hands. With a few clicks, we can find the basic information we need to make financial decisions quickly and easily. But for some of us, basic information is not enough. Additionally, we tend to have limited amounts of time for researching, implementing, and monitoring financial decisions. If you find yourself thinking about some…

At Granite Harbor Advisors, we believe in helping our clients better understand all of their options so they can make the best decision for their families. To that end, here is a more detailed look at what net unrealized appreciation is and how you can use it to advance your financial goals. What is net unrealized appreciation (NUA)? Net unrealized appreciation is simply the difference in value between…

Have you ever been faced with a difficult decision? Not sure which way to go because you didn’t fully understand the risks involved? Much like playing cards, there are times where we need to fold, and move on, and there are times where we should stay in the game based on anticipated risks and rewards. When evaluating risk associated with financial planning, there are some risks that we are willing…